vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
I am requesting validation of this debt. I have never had business with this company. I do not owe this and it is affecting my credit score. To Whom It May Concern, This letter is being sent to you in response to your reporting on my credit profile. This is not a refusal to pay, but a notice that your claim is a dispute. Under the Fair Law Debt Collection Practices Act ( FDCPA ). I have the right to request validation of the debt you say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect this alleged debt. Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any judgements that have been obtained to any creditor regarding this account. Best regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Federal Trade Commission CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Form ( please return this form, completely filled out along with original document ( s ) bearing my alleged signature ). For each account listed. 1. Questionnaire to be returned to me for account number : ending XXXX Original Creditors Name : Name of Debtor : Address of Debtor : Balance of Account : Date you acquired this debt : This debt was assigned/purchased : Please indicate any credit bureaus to which you have reported negative marks : XXXX 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 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the continued reporting of the following account on my credit report : Creditor : BMW Financial Services/Credit Account Number : XXXX This account was opened on XX/XX/XXXX and is reported as paid and closed as of XX/XX/XXXX. The vehicle associated with this loan was sold, and the account was satisfied in full. I am disputing the continued reporting of this account on the basis of obsolescence and aging. Given the age of this account and the fact that it is no longer active, I am requesting an early exclusion and removal from my credit report. Additionally, I am requesting full and complete verification of this account in accordance with the Fair Credit Reporting Act. This includes, but is not limited to, original signed agreements, complete payment history, and documentation supporting the accuracy of all reported data, including dates, balances, and status. If this account can not be properly verified or if it is determined to be obsolete or no longer appropriate for reporting, I am requesting its immediate removal from my credit file. Please investigate this matter and respond within the timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX Last XXXX digits of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> my cash app account was compromised. I had {$1000.00} in my account which had been stolen. The cash app account also linked to my XXXX XXXX Account which totaled {$4300.00} was also stolen from my bank account connected to my Cash App Account and stolen. The bank has since refunded my {$4300.00} that had been taken but the {$1000.00} was not refunded from cash app. Cash app stated that it felt as though the deductions were authorized XX/XX/year> which they were not. Over XXXX attempts successful and unsuccessfully had been done, there is a confirmation stamp at XXXX that my account had a new device log in and money was taken minutes later. These all occurred between XXXX... They were from other phone numbers which reset my account multiple times. It is very clear that the account was compromised from the multiple attempts to attack my account, from these various phones, various locations, and accounts in which i had never been affiliated with. Today i was told that the claim was closed which is totally unacceptable as this clearly is fraudulent unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered something online. Seller provided a tracking number and showed that the item was delivered. Upon checking the tracking number provided was fake. I ordered the item on XX/XX/XXXX at XXXX. Tracking update shows the label was created at XX/XX/XXXX at XXXX and is moving within the system before i even purchased the item online. I have attached a screebshot showing proof of date and time i purchased the item and i've also attached a screenshot of the tracking updates fron the tracking number provided

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft and unauthorized credit card charges. Approximately XXXX years ago, my credit card information was stolen and used for transactions that I did not authorize. I immediately reported the issue to Bank of America and blocked the card. Despite this, the bank held me responsible for the charges. I repeatedly requested documentation proving that the debt is mine, including signed agreements, transaction records, and authorization evidence. The bank failed to provide any valid proof. Additionally, Bank of America withdrew money from my debit account without my authorization. These payments were not made voluntarily by me, and I did not agree to repay fraudulent charges. The bank is incorrectly claiming that I accepted the debt because payments were made. This is not true. The payments were taken without my consent. I have made multiple attempts to resolve this issue directly with the bank, but they have not corrected the error or removed the fraudulent debt. I am requesting that this fraudulent account and all related charges be removed from my record, and that any unauthorized withdrawals be investigated and refunded.

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This company constantly takes money out of my accounts even after I strictly informed them to stop. They tried taking XXXX out of XXXX account putting me in the negative then they took {$38.00} and refused to give me my money back. They took money out of my account before for their scamming XXXX XXXX XXXX mess where they claim if you make a payment they will give you access to a {$1000.00} loan only to backtrack. I hate this company. I have filed a complaint to the XX/XX/XXXX about them before to no avail they are still doing unauthorized transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
the {$140.00} payment made on XX/XX/year>. Based on my transaction records, the payment was initially posted and reflected on my account, allowing subsequent purchases to be approved. Only after this did the payment show as reversed. This created a misleading account status. Your system reflected available credit and approved transactions that should not have been authorized if the payment had truly failed at that time. Additionally, my account has a {$300.00} credit limit, yet I am now being penalized for exceeding that limit due to a reversal that occurred after transactions were already approved. This is not a result of misuse, but a failure in payment processing transparency and timing. I am requesting : Immediate removal of all over-limit fees or penalties Adjustment of my balance to reflect accurate processing timelines Confirmation that no negative reporting will be made to credit bureaus A written explanation of how this processing error occurred I have attached supporting documentation showing the payment posting and reversal sequence. If this issue is not resolved promptly, I will escalate this matter further.

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 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I am a XXXX veteran that had a service animal. My landlord knew I could not always walk my dog all the way to potty spot, and I couldn't bend over to pick up potty. She charged me fines and according to XXXX rules she was not aloud to charge me those fines. She also knew I wouldn't be able to clean apartment like she wanted, and she charged me anyway. I have paid over half the debt 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 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo personal loan initiated in XX/XX/XXXX. I paid it consistently - XXXX XXXX monthly via Bank XXXX XXXX XXXX XXXX with no problems until XX/XX/XXXX. ( And why is it Wells Fargo system only accepts XXXX XXXX XXXX XXXXXXXX XXXX checks- not electronic payments given the size of these XXXX huge banking institutions? No one can explain. XX/XX/XXXX notice of XXXX XXXX of A proved payment had been negotiated ; then XXXX XXXX into XXXX repeated late payment notices despite XXXX XXXX XXXX having sent via Bill Pay. XXXX checks were even marked " returned '' and sent back to XXXX XXXX XXXX without crediting to my account with no explanation. Multiple failure to pay/late notices reported to three credit reporting agencies. Took over five months for Wells Fargo to admit it was their payment processing system, that up to a million customers or more had been affected, that they " couldn't '' stop negative credit reporting or report it as " error '' even though they admitted the error finally. Sent a {$200.00} " customer appreciation '' check to buy silence. In the meantime, my XXXX score went from the mid XXXX down as far as XXXX range, then slowly improved into the XXXX - but damage done. This can not be allowed to stand- and the public must be alerted ; no way to know if all the customers affected have been told the real story and what damage done to them. This is Big! I have a XXXX or more pages of documentation to submit, likely can only get initial pages to you via this site without you sending me a link to download all the documents. But I am looking for Wells to admit the error and provide full explanation to all three reporting agencies, which they have refused to do ( and I have letters from Wells Fargo covering all of this ).

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 non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I was putting money in to my cashapp from my XXXX XXXX account and all of a sudden my XXXX XXXX is in XXXX XXXX and they wont release it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Capital One. I entered into a settlement agreement with Capital One for the account referenced on my credit report. The agreed-upon settlement amount was paid in full, satisfying the terms of the agreement. Despite this, Capital One continues to report a balance owed on this account. This reporting is inaccurate and misleading. Once a settlement has been paid, the account should reflect a zero balance and be reported as Settled or Paid Settlement. Reporting an outstanding balance after payment is a violation of fair and accurate credit reporting standards under the Fair Credit Reporting Act ( FCRA ). I have made good faith efforts to resolve this issue, but the inaccurate balance remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: CO

Complaint narrative:
I paid the collection company by settlement via XXXX. They agreed to remove the collection item from my credit report but its still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this formal complaint against Chase Bank, N.A. for failure to conduct a reasonable investigation, continued reporting of unverifiable information, and violations of the Fair Credit Reporting Act ( FCRA ). On XXXX, I sent Chase Bank a formal written dispute and demand for verification regarding account. In my dispute, I clearly challenged : The accuracy of the account The validity of the alleged obligation Their authority to report this account Their method of verification I requested specific documentation supporting their claim, including : Account origination records Full payment history Method of verification used under FCRA Proof of their authority to report the account FAILURE TO COMPLY WITH FEDERAL LAW Chase Bank responded by claiming the account was verified, however : They FAILED to provide any substantive documentation supporting their verification They FAILED to explain the method of verification as required under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) They FAILED to provide evidence that a reasonable investigation was conducted They CONTINUE reporting this account despite it being disputed and unverifiable This is a direct violation of : 15 U.S.C. XXXX ( a ) Failure to conduct a reasonable investigation 15 U.S.C. XXXX ( b ) Failure of furnisher to properly investigate disputed information 15 U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy KEY ISSUE : VERIFIED WITHOUT PROOF Chase Bank is improperly using an automated or superficial process to claim verification without : Reviewing actual account-level documentation Providing any evidence to the consumer Demonstrating how the information was verified A generic or automated response DOES NOT satisfy FCRA requirements . This is a systemic issue and constitutes furnishing inaccurate or unverified information to consumer reporting agencies. ONGOING HARM Because of Chase Bank actions, I am experiencing : Damage to my credit profile Potential denial of credit opportunities Financial and reputational harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: IN

Complaint narrative:
I filed bankruptcy XXXX XXXX on XX/XX/2026. I had a chime account and I put everything in my credit builder account. XXXX days later after my filing my credit builder account disappeared and I had {$440.00} in it. I called Chime. The first person told me it would be released to me within XXXX days. Then I called again and asked what was going on and they said it was on hold and I needed to contact my legal council. I did my XXXX XXXX through up solve. I am still not getting the answers. Im wondering if its because the credit builder is different than a credit card or Im not sure what to do. I wan na know whats going on. Nobodys giving me any answers. Nobody speaks English very well. And Ive gotten several different answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX in the amount of {$1900.00} for photography studio equipment. I want to be honest I made a mistake when entering the delivery address. The correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but I mistakenly entered XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I understand this was the beginning of the issue. However, the key point is that the address I provided does not exist. Despite this, the carrier ( XXXX ) delivered my package to a non existent address and handed it over to an unknown individual. As soon as I realized my mistake, I immediately contacted the store to try to resolve the situation. The delivery was intended for a freight forwarder in XXXX, and the store used this as a reason to deny responsibility, stating that they frequently have issues with deliveries to these types of warehouses. In summary, they refused to take responsibility, even after I demonstrated that the address I entered does not exist. Since the store would not take responsibility, I had no choice but to contact my bank, Chase, to file a dispute. Once the dispute was initiated, my bank issued a temporary refund and informed me that the investigation could take up to 90 days. After the 90 day period XX/XX/year> the bank ruled in favor of the merchant and reversed the refund, leaving my account overdrawn. I would also like to note that another account was involved in this purchase, with XXXX XXXX, under my husbands name, for an amount of {$2700.00}. We had to use XXXX accounts because his debit card had a {$2500.00} limit. He transferred the remaining amount {$1900.00} to me via XXXX so we could complete the purchase, the total amount of this purchase, including both accounts, was {$4600.00}. This is important because both accounts were affected. However, after my husband filed a dispute with his bank and the 90 day investigation period passed, XXXX XXXX ruled in his favor. We have proof of this, including the official notification sent by mail, which clearly states that they ruled in his favor after determining that XXXX delivered the package to an unknown individual at a non existent address. At this time, I am experiencing financial hardship and do not have {$1900.00} available to cover the overdraft and prevent my account from being closed. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: TN

Complaint narrative:
Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Type of Card : XXXX XXXX Type of benefits : XXXX XXXX SS # : XXXX Case # : XXXX Email address where I was told to send all id verification : XXXX On XX/XX/XXXXXXXX XXXX XXXX I called XXXX XXXX to tell them that I'd misplaced my card & that I wanted it locked until I could find my card.. They told me that in order to get a new card that I would have to send in front and back of my government issued ID.. I did this on : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on some days I would send the id verification more than once. Making a total of XXXX times that I sent my ID to be verified and each and Everytime I would get the same response which was that my ID was expired.. WHICH IT MOST DEFINITELY IS NOT.. IT DOES NOT EXPIRE UNTIL XX/XX/year>. THIS HAS BECOME A LIVING NIGHTMARE During the time of waiting on them I have found my debit card so I call them back and was on hold XXXX, no answer XXXX no answer XXXX. No answer so I tried the next day and was on hold XXXX. Before I could finally get someone to come to the phone.. I told them that I no longer wanted or needed a new card that I have found my old card and that I just need it cut back { n so that I can pay my bills before I loose my home.. They tell me that I have to wait on my ID to be verified and like I told them I am not wanting a new card any longer that was why they needed to : verify my ID but since| I've found my old card I do not need my ID to be verified any longer.. They could not explain why they continue to say my ID is expired nor would they connect me to a supervisor I am 100 % XXXX and have no vehicle to get to the social security office to try and straighten this out but even if I did it doesn't give me my money that XXXX XXXX has.. This is unreal.. PLEASE HELP ME..

Company response to consumer: Closed with non-monetary relief