vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally document that I have received the funds from the title company and, as requested, have submitted payment related to the alleged post-closing payoff balance. This payment is being made under protest. 


As of today, I have not received any written explanation detailing : - The nature of the payoff miscalculation, - How the error occurred, - Which party is responsible for the miscalculation. 
- The legal authorities under which responsibility is being assigned to me after closing and disbursement. 


The payoff amount relied upon at closing was provided to, calculated by, and acted upon by the settlement professionals. Any error arising from that payoff constitutes a settlement and escrow failure, not a seller default or contractual breach on my part. 

The payoff amount relied upon at closing was provided to, calculated by, and acted upon by the settlement professionals. Any error arising from that payoff constitutes a settlement and escrow failure, not a seller default or contractual breach on my part. For clarity, This obligation arose after closing, based on a payoff amount provided and relied upon by the title company at the time of settlement. It is my position that any payoff error constitutes a settlement or escrow failure, not a seller default. I expressly reserve all rights to : - Dispute responsibility for this error, - Seek reimbursement of any funds paid due to third-party negligence, and - Report this matter to the appropriate regulatory and oversight authorities. 

FEDERAL STATUTES IMPLICATED : 12 U.S.C. 2605 & Regulation X ( 12 CFR 1024 ) Inaccurate Payoff Statement Failure to properly reconcile closing figures Improper post-closing collection efforts Shifting settlement errors onto the consumer 12 U.S.C. 5531 ( CFPB authority ) Collecting money not legally owed Leveraging superior knowledge to force payment ( signed affidavit ) Failing to disclose error responsibility Causing financial harm without justification 15 U.S.C. 1601 et seq.

Interest, per-diem, and fees miscalculated disclosure failure 12 U.S.C. 1818 Authorizes civil money penalties Allows restitution orders Enforcement actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against all three national consumer reporting agencies for repeated violations of the Fair Credit Reporting Act related to identity theft, reinsertion of previously deleted information, and failure to maintain accurate consumer files. 

I am a documented victim of identity theft. My personal identifying information was misused to open accounts, generate credit inquiries, and create public records that do not belong to me. I did not apply for, authorize, sign for, or benefit from any of the disputed items. There is no lawful proof, signature, video evidence, or in-person verification tying me to these debts. 

Despite multiple disputes and submission of Identity Theft Reports, the credit reporting agencies continue to report fraudulent information, including items that were previously deleted and later reinserted. 

The disputed and fraudulent items include : Public record XXXX listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( Reference No. XXXX ) Auto loan tradeline reported by XXXX XXXX XXXX XXXX ( deleted and later reinserted ) Credit accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All associated balances , late payments, utilization, and derogatory remarks Additionally, the credit reporting agencies are maintaining inaccurate personal identifiers, including incorrect names, addresses, and employers, resulting in a mixed and contaminated credit file. 
The ONLY accurate name is XXXX XXXX. 
The ONLY accurate address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

This is not a single error. It is a pattern of deletion followed by reinsertion, causing repeated harm. 



LAWS VIOLATED The conduct of Experian , Equifax, and TransUnion violates multiple federal statutes, including but not limited to : 15 U.S.C. 1681c-2 Mandatory blocking of identity theft information 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful reinsertion without certification and notice 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnisher and CRA duties after notice of dispute 18 U.S.C. 1028 and 1028A Identity theft and aggravated identity theft Once identity theft is established, the law requires blocking and permanent suppression, not repeated reinvestigation or reinsertion. 



HARM CAUSED The continued reporting and reinsertion of fraudulent information has caused : Ongoing credit damage Denials and adverse credit decisions Increased risk of further fraud Significant emotional distress and administrative burden

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against all three national consumer reporting agencies for repeated violations of the Fair Credit Reporting Act related to identity theft, reinsertion of previously deleted information, and failure to maintain accurate consumer files. 

I am a documented victim of identity theft. My personal identifying information was misused to open accounts, generate credit inquiries, and create public records that do not belong to me. I did not apply for, authorize, sign for, or benefit from any of the disputed items. There is no lawful proof, signature, video evidence, or in-person verification tying me to these debts. 

Despite multiple disputes and submission of Identity Theft Reports, the credit reporting agencies continue to report fraudulent information, including items that were previously deleted and later reinserted. 

The disputed and fraudulent items include : Public record XXXX listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( Reference No. XXXX ) Auto loan tradeline reported by XXXX XXXX XXXX XXXX ( deleted and later reinserted ) Credit accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All associated balances , late payments, utilization, and derogatory remarks Additionally, the credit reporting agencies are maintaining inaccurate personal identifiers, including incorrect names, addresses, and employers, resulting in a mixed and contaminated credit file. 
The ONLY accurate name is XXXX XXXX. 
The ONLY accurate address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

This is not a single error. It is a pattern of deletion followed by reinsertion, causing repeated harm. 



LAWS VIOLATED The conduct of Experian , Equifax, and TransUnion violates multiple federal statutes, including but not limited to : 15 U.S.C. 1681c-2 Mandatory blocking of identity theft information 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful reinsertion without certification and notice 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnisher and CRA duties after notice of dispute 18 U.S.C. 1028 and 1028A Identity theft and aggravated identity theft Once identity theft is established, the law requires blocking and permanent suppression, not repeated reinvestigation or reinsertion. 



HARM CAUSED The continued reporting and reinsertion of fraudulent information has caused : Ongoing credit damage Denials and adverse credit decisions Increased risk of further fraud Significant emotional distress and administrative burden

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX ) XX/XX/XXXX transfer of {$10000.00} from savings account at USAA Federal to XXXX XXXX XXXX. 
- {$10000.00} is missing from my USAA savings account and it was NOT added to my XXXX XXXX XXXX  account XXXX ) XX/XX/XXXX XXXX XXXX XXXX  sent email stating it could not be deposited into my account and will be returned. If not, please contact us. Also, contact original bank and request transfer to be returned. 
XXXX ) Called XXXX, XXXX of the XXXX of the XXXX XXXX XXXX, she said originating bank must return. 
XXXX ) Have contacted USAA several times to get them to assist. Even was told by USAA if I transferred the other direction, they would assist better! I explained I have been a member for 30 years. I have an email stating USAA needs to do it. Please get my money back. 
- XXXX attempted to explain situation and gave USAA email stating they need to fix it - XX/XX/XXXX attempted to explain situation and gave USAA email stating they need to fix it - XX/XX/XXXX called XXXX XXXX number on email and was transferred. Explained USAA again stated on XX/XX/XXXX not their issue. XXXX XXXX gave me the result code of XXXX stating transaction failed. Also gave ID XXXX and XXXX number XXXX. 
- XX/XX/XXXX I called USAA and gave all the codes and numbers to please find my {$10000.00} - XX/XX/XXXX Received USAA response that there is no issue, no complaint and therefore I am still without my {$10000.00}

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 2026-01-22 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: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-22 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a notice of an unusual charge on my card while traveling. I froze my card and called Discover the next day. Discover took off those charges and sent me a new card. I kept my card frozen. Since then, Discover has allowed " recurring '' charges on this card, which are not mine. Even though the card is frozen. And even though those " recurring '' charges are on my old card number which was stolen. 

XXXX is XXXX, which I do not have an account with. Every month since this happened, I receive a notice from Discover that XXXX is trying to charge my card and I need to update the number. Again, I do not have a XXXX account. I called XXXX and they said they couldn't do anything about it. Discover said they would only stop these charges from happening for 6 months and then they would allow them again. 

Another is a car wash business, which I had been to once last XXXX ( so 8 months ago ). I disputed these charges ( about {$45.00} and {$13.00} ), but Discover decided they were legit, even though these businesses did not have my new number. And how are these recurring if I only used the business once 8 months ago. 

I finally gave up and cancelled my Discover card on Monday, XX/XX/XXXX after I received a text that Discover was allowing another " recurring '' charge. This one was for a XXXX 's XXXX Subscription for about {$30.00}. I just logged into XXXX 's XXXX, where I used to have a subscription but had cancelled it a while ago. And I have no subscription ( at least under my name ). 

I would note that I cancelled my card on XXXX. I would also note that none of these " recurring '' charges had my new number. I do not understand why Discover would allow " recurring '' charges when they weren't recurring and from a number that had been stolen. 

I would like Discover to pay me for these unauthorized " recurring '' charges that are not recurring charges at all. Someone is using the old card number to do this somehow ( clearly someone who knows how to game the system ). So I would like Discover to send me a check for the roughly {$88.00} in fraudulent " recurring '' charges that they have allowed on my account. These are not " recurring '' charges at all. 

I also think that these credit cards should not be allowed to do this. There should be a mechanism where I get to decide if I want recurring charges to happen and which ones, especially when your card number was stolen. I have tried to get the businesses to stop the recurring charges and they can't even find the accounts. Clearly the thieves know how to manipulate this situation. 

I have been a Discover Card member since XXXX. I do not know what has happened to this once great credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX I owed {$690.00} as a balance. I paid that balance and more on XX/XX/XXXX of XXXX. The company is charging me full interest not just on the XXXX $ but on the full balance on the period which just ended for which I also paid the full balance of XXXX. I'm supposed to owe {$7.00}. However the company is charging {$30.00}. I have paid all balances timely yet the company still charges excess interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverified collection account being reported on my credit report by Jefferson Capital Systems, with XXXX XXXX listed as the original creditor. 

I have repeatedly disputed this account with the credit bureaus and formally requested debt validation. Despite these requests, neither Jefferson Capital Systems nor XXXX XXXX has provided proper validation of this alleged debt. 

Specifically, I have not been provided with : A signed contract or agreement with XXXX XXXX Proof of ownership or assignment showing Jefferson Capital Systems has legal authority to collect this debt A complete payment history or final billing statement supporting the amount claimed The account continues to be reported as a collection without sufficient verification, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that Jefferson Capital Systems and XXXX XXXX either provide full legal validation of this debt or immediately remove this account from all consumer credit reporting agencies. 

This inaccurate reporting is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CA

Complaint narrative:
I am filing a complaint regarding Cash Apps failure to properly investigate and resolve a billing error, resulting in ongoing financial harm. 

On XX/XX/year>, an authorization for {$190.00} was placed for a purchase through XXXX ( merchant : XXXX & XXXX ). On XX/XX/year>, the authorization was voided, and the associated order was canceled by XXXX due to a payment processing issue. No goods were shipped or received. 

Despite the cancellation and void, the authorization was later captured, resulting in a completed charge for a canceled transaction. Both XXXX and the merchant confirm that there was only XXXX order, that it was canceled, and that no fulfillment occurred. 

I disputed this charge with Cash App multiple times and provided documentation showing the order cancellation, lack of fulfillment, and the delayed capture after the void. Cash App has repeatedly denied my dispute without adequately addressing the cancellation or the delayed capture. 

As a result, Cash App is enforcing a negative balance on my account and is automatically applying incoming funds sent to me against this disputed charge. This has deprived me of access to my own money and is causing ongoing financial harm. 

I am not disputing an authorized purchase. I am disputing a billing error involving a canceled transaction with no goods received and a delayed capture that should not have been enforced. 

I am requesting that Cash App correct the billing error, reverse the {$190.00} charge, restore my balance, and stop offsetting incoming funds related to this disputed transaction After multiple dispute denials, I contacted Cash App support by phone. During that call, I was informed that I had reached the maximum number of disputes allowed, that the decision was considered final, and that no further explanation or internal review would be provided. I was advised that no additional escalation through Cash App support was available

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/year>, i opened a credit card with Comenity BankXXXX XXXX I made a purchase for {$89.00}. 

I received the bill in XXXX with only the last 4 digits of the credit card account number on the bill. When i set up the XX/XX/XXXX payment through web bill pay, it would only let me send a paper check vice an electronic payment since they did not send me the actual credit card with the XXXX-digit account number on it. The payment was set up on XX/XX/XXXX. The payment was sent on XX/XX/XXXX. I closed my account on XX/XX/XXXX as well. They did not cash the check until XX/XX/XXXX. Then on XX/XX/XXXX, I called into see if my payment cleared. I then called and heard through their automated line that {$30.00} was added for late payment. I then spoke to a rep, and they wanted to negotiate reopening my account to " waive the fee ''. I said no. I then started to receive harassing emails stating that i should use my tax return to pay my credit card bill after I had already sent the full payment in. I then called them the next day to explain that the payment was sent. In addition, after this, they added a {$30.00} late fee and another {$3.00} fee. I then contacted my bank and explained the situation to the web bill pay service. My bank then sent a good faith letter to ask that the fees be waived. On XX/XX/XXXX, my check for the full payment was finally cashed and applied. I called on XX/XX/XXXX and spoke to XXXX different layers of management and asked for the {$33.00} in fees to be removed and was told no each time due to my account being closed. I replied with if you could apply my full payment to my closed account, you could apply the {$33.00} fee credit as well. After being told no 6 times, I called back and made the payment. Instead of paying {$33.00} for a late fee and another fee, they added another {$3.00} for a finance fee, {$36.00} total to pay it off in full. I then asked for another closed account letter to show a {$0.00} balance. My bank shows the payment for the {$36.00} went through. Im told a new letter with a {$0.00} balance will be arriving. I am writing you because this is an unfair, malicious predatory practice by Comenity/XXXX XXXX XXXX There are over XXXX complaints to the XXXX XXXX XXXX  and it needs to stop. Help. Thanks.

Company response to consumer: Closed with monetary relief