vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX SCA COLLECT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/year> Account Number : XXXX Amount : SCA COLLECT - XXXX : {$510.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a complaint ( XXXX ) against Bank oF America Financial Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The company submitted documents in their defence that ultimately got my complaint disregarded. I disagreed with the questions after the file was closed. After analyzing their documents that ultimately got my complaint was dismissed, Recently I was reanalyzing the facts. The " proof '' Bank Of America submitted in defense of themselves is in fact falsified. The metadata proves their Fabricated letter was a lie, because it was created on XX/XX/XXXX and dated XX/XX/XXXX. That is impossible. Therefore I was corporate gaslit. Which has now caused me so much more distress where none was ever due. I have been questioning myself because of what they fabricated in order to cover themselves for the gross level of discrimination I have endured this last five months. Five months. I questioned my own sanity because, what, they just had the technology and apparently the status? I am utterly disgusted with Bank of America on XXXX XXXX in XXXX Georgia. The simple fact that they find it easy to continue in the every day course of business without skipping a beat is mind-blowing to me. My value in life has been diminished within my mind and they are just fabricating documents like it's just another Tuesday. Like I get it, I do, I don't look as well put together as most people. XXXX have not smelled all that nice due to days on end of pacing in circles for hours before I realize what I am doing. I get that to be their motivation for making me out to be nothing but a piece of trash in their eyes. And in their way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Michigan IC SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : I.C. SYSTEM, INC - XXXXXXXX XXXX XXXX XXXX XXXX : {$700.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Exorbitant check return fees without warning, explanation, or education on the matter, violating XXXX. Citi did not resolve the complaint of this when contacted via their app. I still do not know what funds they were trying to collect and why it didnt go through. I have already paid any funds they were trying to collect ( the funds I have no idea what they are referring to. ) I am concerned others are being duped as well. Thank you for you looking into this matter. XX/XX/year> - RETURN CHECK FEE XXXX {$30.00}. XX/XX/year> - RETURN CHECK FEE XXXX {$30.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am filing a complaint against Wells Fargo regarding customer misinformation and a banker error. On XX/XX/year>, I visited a local branch to open a XXXX XXXX Banking account under the {$120.00} promotion. The branch employee gave me false information, claiming the offer didn't exist. Because of this misinformation, I opened the account without the offer attached. I have been trying to resolve this for over a month. Recently, I spoke with a phone representative named XXXX ( Employee ID : XXXX ). She spoke to me in a rude tone and explicitly acknowledged that the branch staff was simply unaware of the active promotion, yet she claimed this was " not an employee error '' and refused to fix it. Her handling of the issue was completely disorganized : she closed my case, only to reopen it later and call me back. I should not be penalized, while I am alone with an infant while my husband is at XXXX XXXX XXXX for Wells Fargo 's internal training failures and customer misinformation. I demand that Wells Fargo manually apply the {$120.00} promotion bonus to my account, as I am fulfilling the XXXX requirement before the XX/XX/XXXX deadline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX South Carolina CREDIT COLL XXXX XXXX XXXX XXXX, MA XXXX XX/XX/2026 Account Number : XXXX Amount : CREDIT COLL - XXXX : {$1200.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I contacted Wells Fargo to dispute a credit card charge related to a massage service. The advertised price was {$110.00}, but my credit card was charged approximately {$110.00} without prior disclosure of a credit card surcharge. During the service, I experienced conduct that I did not consent to, and I explained that I did not feel comfortable contacting the merchant directly because I had already filed a complaint with the Pennsylvania XXXX XXXX XXXX XXXX XXXX regarding the therapist 's conduct. The Wells Fargo representatives repeatedly told me they could not open a dispute because the service had been provided and that I first had to contact the merchant. I explained multiple times that I did not feel comfortable doing so because of the nature of my complaint and asked whether any exception or alternative process was available. I requested a supervisor, but the supervisor also repeated the same policy without addressing my concerns. When I asked how to file a formal complaint with Wells Fargo about the handling of my case, I was told only that a note would be placed on my account. I was not provided with a formal complaint process or meaningful information about additional options. I am requesting that Wells Fargo review how my dispute was handled, determine whether its representatives properly addressed my concerns, and explain why no alternative process was available under these circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I am filing a complaint because a paid XXXX XXXX XXXX XXXX XXXX account is being incorrectly reported as an active collection by Sunrise Credit Services on my XXXX credit report. Account Number : XXXX Amount Paid : {$350.00} Payment Confirmation Number : XXXX Payment Date : XX/XX/year>XXXX XXXX XXXX XXXX and my bank both show this payment as completed. Despite this, Sunrise Credit Services continues to report a {$350.00} balance and XXXX marked the account as verified as accurate, even though the balance is not owed. I have already disputed this with XXXX, but the furnisher verification was incorrect. I am requesting that XXXX XXXX XXXX and Sunrise Credit Services update the account to show a {$0.00} balance and correct or remove the inaccurate collection entry from my credit report. Please investigate and provide documentation showing why this paid account is still being reported as owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
This complaint is being filed against XXXX XXXX regarding a systemic administrative lockout that has resulted in inaccurate and deeply damaging credit reporting. The account was established under my responsibility, with a sibling 's line attached to the profile. Following technical changes to the lines on the account, XXXX 's automated platform completely locked me out of the online billing portal. Because the login system relied on authentication protocols tied to unlinked access, I was structurally barred from logging in. Front-line customer service agents confirmed they were unable to bypass the portal lockout or provide statements, leaving me with no functional method to view or pay the remaining balance. Due entirely to this system barrier, the account automatically advanced to collections. The absolute moment I received external notice of the {$100.00} balance outside of the broken portal, I acted in complete good faith and paid the collection agency in full immediately. I recently filed a formal dispute with the credit bureaus, attaching the paid-in-full receipt and explaining the technical lockout. Despite this clear evidence of a creditor-side system failure, XXXX negligently verified the damaging delinquency history as accurate in XX/XX/year>. Verifying and maintaining an injurious credit mark for an account that the consumer was structurally blocked from payingand which was settled immediately upon receiving a valid notificationviolates the requirement to conduct a reasonable investigation under the FCRA. I am requesting immediate executive intervention to issue a Universal Data Form ( UDF ) to completely delete this negative trade line from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I was paying XXXX times the payment each month for about XXXX to XXXX months don't even know where it went wasn't adding up and then we got on a payment plan and I was making payments every XXXX XXXX and the loan did not go down they said they just put it in a separate account now they said that they needed my brothers information they won't give me the exact name for what they just keep saying customer information form on the website they don't even have a customer information form on the website I sent in the W-9 they said that is not the right information and I don't even know where the Money i been paying to went

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Michigan EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : EASTERN ACCOUNT SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXX : {$150.00} EASTERN ACCOUNT SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$200.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), 15 U.S.C. S 1692 ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the XXXX XXXX XXXX. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BMO Bank has deleted my XXXX XXXX 's CD account data from their front-facing systems, preventing me from obtaining critical estate records. I have been attempting to secure information on this account since XX/XX/XXXX. At that time, I was advised that Letters of Administration were required. After obtaining and submitting the necessary legal paperwork, I began trying to secure the official account closure date in XX/XX/XXXX for estate administration and tax purposes. I have followed up several times in XXXX and twice more in XX/XX/XXXX. However, XXXX representative XXXX XXXX stated that she can not provide the date because the account was removed from their system and the data must be verified and provided by another internal department. The bank has completely failed to resolve this matter over XXXX XXXX and is actively withholding vital financial tracking records needed for the estate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: IL

Complaint narrative:
The company closed my account and said I could get into my account to make the withdrawal. I changed banks and needed to verify the new bank. I sent the documents to the company and they told me everything was approved for the new bank. Now it's XX/XX/year> and I haven't received my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On or around XX/XX/year> I had a fake police officer call me when I was on work duty stating I needed to come down to the station or pay to clear XXXX charges. I had supposedly missed jury duty and had an outstanding warrant for my arrest which I had reason to believe was true because I had police officers come to my home in the middle of the night a week beforehand without any direct contact with me. I paid {$730.00} or so to clear the charges and the scammer immediately hung up. I contacted my bank and they gave me a provisional check for that amount onto my account around XX/XX/year>. I received an email today on XX/XX/year> stating they will be reversing it without any reason. I just got off the phone with the XXXX Bank XXXX department and they stated, " It isn't our fault you got scammed! We aren't going to pay you back because of that, you just have to deal with it. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation