vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I am formally disputing the debt claimed by XXXX XXXX XXXX ( account ending XXXX ) and the collection activity by Firstsource Advantage , LLC. On XX/XX/year>, I enrolled in XXXX home security services, including equipment installation. During the sales call, I explicitly requested that my existing camera be moved to the back if the installer needed to remove it. This request was acknowledged by the salesperson. The installer removed my existing camera but did not install the equipment as requested, leaving it on the floor. I immediately contacted XXXX, and the installer was sent back. The installer refused to complete the work, and multiple rescheduled appointments were repeatedly canceled by XXXX installer. I canceled the service due to repeated failures to provide the agreed-upon service. XXXX refused to remove their equipment from my property, claiming I was responsible for it. Their equipment is now obstructing installation of a replacement security system that I purchased. XXXX has misrepresented their services, failed to honor cancellation rights and the three-day trial period, and did not properly disclose key contract terms. Despite repeated requests, they have not removed the equipment or resolved the matter. Firstsource Advantage , LLC is attempting to collect {$1000.00} for equipment and services that I do not owe under the circumstances. I have requested formal validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), which has not been fully provided. I request that : All collection activity cease until proper debt validation is provided. The account be reported as disputed to all credit bureaus. Vivint be required to remove their equipment from my property to allow installation of my replacement system. I am attaching all communications with XXXX and Firstsource Advantage , LLC documenting my disputes, equipment issues, and cancellation requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I received an alert from Truist saying there seemed to be fraudulent activity. I checked and there was {$490.00} taken from my account through a XXXX Transfer in XXXX XXXX XXXX I reported it and received my money back. They issued me a new card and said that someone probably stole my card information and that my account was secure. On XX/XX/XXXX, I looked at my account and there was {$780.00} taken from the same XXXX Transfer merchant in XXXX XXXX XXXXXXXX. I reported it and they denied that claim saying my card or digital wallet was present at the time of purchase and that they would not return it. I did not authorize these purchases and I live in Maryland and the day money was stolen from my account I patronized my local branch using my physical card. By this point I was not able to use or connect to a digital wallet so me using it would have been impossible. I applied for an appeal and was told it was denied because I did not report my phone stolen and there was a token made, and using that token, there were purchases that I did not report. I reported every fraudulent unauthorized purchase made. Starting on XX/XX/XXXX I have called several times and all times they have told me my case was still pending. On XX/XX/XXXX they said they tried to call me on XX/XX/XXXX and I did not answer which is true but when I called back they said it was pending. But as of XX/XX/XXXX apparently its actually been denied since XX/XX/XXXX. I also have not been able to add my debit card to my digital wallet since after the first fraud incident on XX/XX/XXXX and I have called them several times regarding that issue and I was told that someone would contact me in XXXX business days because the truist employee didnt see the option on her end to add it to the Apple wallet because every time I would try it would get flagged as fraud. On XX/XX/XXXX I went to my local branch and they completely closed and moved my remaining funds out of the account because the believed the account was compromised and they opened me a new account which as of now has seemed to stop the fraudulent unauthorized transactions.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding a denied fraud claim involving a {$500.00} transaction made through XXXX XXXX. On XX/XX/year>, I sent {$500.00} via XXXX XXXX to a party representing themselves as a legitimate seller of event tickets ( XXXX XXXX XXXX Tickets ). This transaction was funded by my Wells Fargo debit card. Although I authorized the payment, it was done under false pretenses due to intentional misrepresentation by the seller. I never received the tickets, and the seller stopped responding after payment was sent. Importantly, XXXX XXXX flagged this transaction as potentially fraudulent at the time it was processed. I have documentation showing that this payment was marked for review due to suspected fraud. This clearly indicates that the transaction carried recognized risk and was not a standard or legitimate purchase. Despite this, Wells Fargo denied my claim, stating that the transaction was authorized. This response fails to account for the fact that I was deceived into making the payment, which qualifies as fraud under commonly recognized definitions, including authorized push payment scams. I am requesting that Wells Fargo : 1. Reopen and fully investigate this claim as a fraud case involving misrepresentation 2. Provide a detailed explanation of how this claim was evaluated given the fraud flag placed by XXXX XXXX 3. Clarify what protections are in place for customers who are victims of scams involving deception and non-delivery of goods I am prepared to provide all supporting documentation, including transaction records, screenshots of communications with the seller, and proof of non-delivery. I respectfully request a formal review of this matter and reimbursement of the {$500.00} lost due to this fraudulent transaction

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mistakenly sent {$2000.00} via XXXX through Chase Bank to a phone number that was not intended. I reported the issue immediately to Chase Bank and filed a claim. During the transaction process, there were irregularities : the transaction showed as completed in XXXX but was initially pending in my Chase account, and the recipient was temporarily unable to receive payments. Despite these abnormal indicators and my immediate report, Chase Bank has denied recovery of the funds. I am requesting a thorough review of this transaction, confirmation of whether the funds have been fully received and accessed, and assistance in recovering the funds. I also try to contact that person but it seems no response and automatically transfer to voice message. This situation involves unusual transaction behavior and should not be treated as a standard authorized transfer. When I added the receipt, my XXXX didnt tell me the name and number unmatched. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CA

Complaint narrative:
I received a collection on my credit that I have no knowledge of on XX/XX/year>

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX around XXXX XXXX, I was contacted by text to check my email for an email from XXXX about transactions not going thru from an individual claiming to be interested in taking my furniture. Under false pretenses and severe pressure, I was instructed to send money to resolve a fabricated issue. I was told that my XXXX account had an issue and the money wasn't being processed. I was told to call the number on the email. Believing this was a legitimate directive from a trusted authority, transactions were processed through my Schools First account totaling {$500.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Under 15 U.S. Code 1681b Permissible purpeses of consumer reports I never gave you any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: DC

Complaint narrative:
I did not open a XXXX account I have had a prepaid account for a year now. According to 15 US Code 1681i ( a ) ( 6 ) ( B ) ( I ) I am requesting the method of verification, description of procedure, and all documentation collected during investigation to prove this account is reporting accurately. I am requesting this information in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: LA

Complaint narrative:
XXXX said i would receive both transfers on wed XX/XX/2026... they deposited them at XXXX XXXX & XXXX XXXX ... {$200.00} & {$300.00} ... they transferred the {$200.00} last ... the {$200.00} was set up first... technically they should have gone thru at the same time... they caused me a NSF fee with my bank... they refuse to make good for their error or this fee they caused me... it is clearly their error mistake ... reporting them here ... {$24.00} fee they cost me... can you make them pay or make my bank reverse this fee of {$24.00}? ... on a fixed income ... RE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding JEFFERSON CAPITAL SYST concerning an alleged debt appearing on my credit reports, specifically account number XXXXXXXX XXXX XXXX XXXX XXXX with an alleged balance of {$610.00}. This account is being reported to both Equifax and Experian. I want to make it clear that I am not disputing this account at this time ; rather, I am formally requesting validation of this alleged debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I require comprehensive documentation sufficient to validate this debt. This validation should include, but not be limited to, a copy of the original agreement or contract bearing my signature, if one exists. Furthermore, I request statements or records from the original creditor that clearly support the alleged balance of {$610.00}. Crucially, I require complete and unbroken chain of title documentation, alongside any assignment documentation, demonstrating JEFFERSON CAPITAL SYSTs ownership of this debt or its legal authority to collect on it. Generic portfolio-level transfer language or vague references to bulk sales will be considered insufficient. I need specific documentation that traces the ownership of * this particular account * from the original creditor to your company. To fully understand the nature of this alleged debt, please provide the original date the account was opened, the date of the last payment made on the account, the date of first delinquency, and a detailed itemization of all fees, interest, and any other charges that have been applied to the account. Additionally, if required by Illinois state law, please provide proof of your authority to collect debts within my state. I want to emphasize that a generic account summary or an internal record generated by your company will not be considered sufficient validation. If JEFFERSON CAPITAL SYST is unable to provide complete and proper validation of this debt as requested, I expect all collection activity to cease immediately, and for this account to be promptly removed from all consumer reporting agencies. Failure to provide adequate validation may constitute a violation of my rights and raises concerns regarding compliance with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
My bill was about equipment that was returned .. they sold my debt to a debt collector and the amount was inaccurate

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 2026-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: WA

Complaint narrative:
Beginning in XXXX and XX/XX/year>, a large number of unauthorized transactions were made using my Albert debit card. These included dozens of XXXX XXXX withdrawals ( many between {$50.00} and {$300.00}, and some over {$700.00} ), multiple Whatnot purchases within seconds of each other, repeated XXXX XXXX loads, and other cardnotpresent transactions. The volume, frequency, and timing of these charges are not consistent with my normal behavior and clearly indicate account compromise. Albert denied my dispute with a No error found conclusion, but their investigation did not meet the requirements of Regulation E. Their report does not include any evidence showing that I personally authorized these transactions. They did not provide device ID, IP address, login method, geolocation, merchantside access logs, or any other information that would prove consumer authorization. Instead, they relied solely on the fact that the card number and ZIP code matched. Regulation E is clear that matching card data does not prove authorization. The transaction pattern in their own documentation is extremely abnormal. There were XXXX of XXXX XXXX pulls in rapid succession, multiple Whatnot charges seconds apart, repeated highvalue transfers, and no PIN use. Every one of these transactions was marked card not present. These are classic indicators of unauthorized access, yet Albert treated them as normal activity. Their event log also shows card lock/unlock activity that does not align with my usage. This is another red flag for unauthorized access or device compromise, which Albert ignored. Albert did not conduct a reasonable investigation as required by Regulation E. They did not gather or provide evidence that I authorized the transactions. They did not address the abnormal transaction patterns. They did not explain the lock/unlock events. They did not provide any devicelevel data. They simply concluded No error found without meeting the regulatory standard. I am requesting CFPB assistance because Albert failed to follow federal law, failed to conduct a proper investigation, and denied my claim without evidence. I am asking that they be required to perform a real investigation or issue provisional credit as required under Regulation E.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi my Name is XXXX XXXX I bank with Wells Fargo my data was leaked and they allowed my account to be deposited into with out my consent or my physical being giving the go ahead

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 2026-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Grow Credit Inc
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially misleading reporting by Grow Credit on my credit report. This account was opened on XX/XX/year>, and is currently reported as paid, closed, with a {$0.00} balance and {$0.00} past due, and a status of current. While the account appears positive overall, there are still negative payment history marks ( 30/60-day late payments ) reflected in the payment history that I believe are inaccurate and unfair. Key concerns : The account is reported as paid and in good standing, yet it still reflects late payment history, which is inconsistent with the current status. The account shows {$0.00} balance, no delinquency, and is closed, indicating the obligation has been satisfied. The continued reporting of late payments is damaging my credit profile, despite the account being resolved. The payment history appears inconsistent with the overall status of the account. Additionally, Grow Credit previously stated that because the account is closed, they are unable to make adjustments, which raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). Closed accounts are still required to be reported accurately and may be corrected if inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information being reported about me by XXXX and XXXX XXXX XXXX, furnished by Bank of America. My consumer reports contain a record indicating XXXX XXXX XXXX associated with an account from Bank of America. I formally dispute the accuracy of this information. I have never engaged in fraudulent activity, and I have not been provided with any documentation or evidence supporting this serious allegation. Additionally, the report reflects No Monetary Loss, which further calls into question the validity and consistency of the fraud designation. I have requested validation and documentation from both the reporting agencies and the furnisher, but no sufficient evidence has been provided. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable reporting. Reporting unverified or misleading informationespecially allegations of fraudconstitutes a serious violation that is damaging to my financial reputation and ability to access banking services. I am requesting the following : 1. A full investigation into the reporting of this account 2. Complete documentation supporting the claim of Suspected Fraud Activity 3. The method of verification used by XXXX and XXXX XXXX XXXX 4. Immediate deletion of this information if it can not be properly verified This inaccurate reporting has caused me harm, including difficulty opening bank accounts and reputational damage. If this matter is not resolved promptly, I am prepared to pursue further action to protect my rights under federal law. I expect a timely and thorough response. Companies involved XXXX XXXX XXXX XXXX Bank of America XXXX 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