vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Fifth Third checking account had two unauthorized withdrawals on XX/XX/year> ( {$28.00} and {$970.00} ) through the XXXX app. My wife ( age XXXX ) noticed this and immediately went down to the branch office in person and had the account locked and attempted to recover the unauthorized withdrawals. She then set up a new checking account and over the next XXXX weeks began updating all the bills that were on autopay. She also submitted a fraud claim to the bank. She passed away on XX/XX/XXXX. In XXXX I received a letter from the bank that the fraud claim had been denied. They claimed that she had authorized the transaction by approving it on her phone. I found no such authorization in her text message history. I called the fraud office at Fifth Third and explained that she had never used XXXX before for any transactions, that she did not know the person to whom the money was transferred ( XXXX XXXX XXXX, she went immediately to the bank to report the fraud and freeze the account, and she filed a fraud claim with the bank. The agent on the phone agreed that this sounded like fraud and told me to resubmit the claim and include the explanation above. I did that and recently received a letter from the bank that the claim had been denied and the decision was final. The bank did not provide proof of authorization in the letter. I believe this is an unauthorized electronic fund transfer under Regulation E ( 12 CFR 1005.11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Consumer Complaint Narrative JPMorgan Chase I am submitting this complaint regarding JPMorgan Chase Bank, N.A.s improper handling of unauthorized credit card charges and failure to comply with federal consumer protection requirements. The disputed transactions occurred on my JPMorgan Chase consumer credit card. I timely notified Chase and submitted the requested dispute documentation through their online dispute process. Despite receiving my dispute, Chase refunded only a portion of the unauthorized charges. The total amount that should be credited to my account is {$5800.00}, which includes the unauthorized transactions as well as all related interest charges and late fees that accrued as a direct result of the disputed activity. Chase has never provided me with a proper written investigation outcome or billing-error resolution notice as required under the Fair Credit Billing Act and its implementing regulation, Regulation Z ( 12 C.F.R. 1026.13 ). To date, I have not received a compliant written explanation of their investigation findings or the basis for denying full reimbursement. Under Regulation Z ( 12 C.F.R. 1026.12 ( b ) ), a cardholders liability for unauthorized use is strictly limited, and creditors must remove related finance charges and fees associated with billing errors once identified. Chases failure to fully credit the account and remove all associated charges appears inconsistent with these obligations. Additionally, I have reported this matter to Chase multiple times and provided the requested documentation, yet the bank has failed to conduct a reasonable investigation or provide a clear written determination. This pattern of conduct raises concerns under the Consumer Financial Protection Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ), 12 U.S.C. 5531 and 5536, including : - Failure to conduct a reasonable investigation - Failure to provide required written notice of billing error resolution - Partial crediting without adequate explanation - Continued assessment of interest and/or fees tied to disputed charges Requested Resolution I am requesting that JPMorgan Chase : 1. Issue the remaining credit necessary to bring the total refund to {$5800.00} 2. Reverse all related interest charges and late fees connected to the disputed transactions 3. Provide a compliant written explanation of the investigation findings 4. Correct any negative credit reporting associated with this matter 5. Confirm the account reflects zero liability for the unauthorized transactions I am prepared to provide supporting documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: PNC Bank N.A.
State: NC

Complaint narrative:
Consumer Complaint Narrative PNC Bank I am submitting this complaint regarding PNC Banks improper handling of disputed charges on my PNC consumer credit card account. I timely notified PNC of unauthorized transactions and submitted my dispute through the banks designated process. Despite my report, PNC has continued to treat the disputed balance as valid and has issued demands for payment while the charges remain in dispute. The total amount that should be credited to my account is {$3400.00}, which includes the unauthorized transactions as well as all related interest and fees that accrued as a result of the disputed activity. PNCs continued collection activity and failure to fully resolve the dispute appear inconsistent with the Fair Credit Billing Act and Regulation Z ( 12 C.F.R. 1026.13 ), which require creditors to conduct a reasonable investigation of billing errors and properly resolve disputed amounts. Additionally, under Regulation Z ( 12 C.F.R. 1026.12 ( b ) ), a consumers liability for unauthorized credit card use is strictly limited. I have reported this matter to PNC and provided the requested information, yet the bank continues to seek payment without fully crediting the account or providing a clear written explanation of its investigation findings. This conduct raises concerns under the Consumer Financial Protection Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ), 12 U.S.C. 5531 and 5536, including : - Continuing collection efforts on a disputed credit card balance - Failure to fully credit unauthorized transactions- Assessment of interest and fees tied to disputed activity - Failure to provide a clear, compliant written investigation outcome I am requesting regulatory review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against [ TransUnion ] for willful non-compliance with the Fair Credit Reporting Act, specifically failing to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and failing to employ reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). [ TransUnion ] is unlawfully reporting and verifying inaccurate, legally uncollectible tradelines associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The underlying debts are invalid. The original creditor, XXXX XXXX, already deleted their tradelines from my credit report following my direct disputes regarding the debt 's validity.When an original creditor deletes an account due to a dispute or legal cancellation, a subsequent debt buyer can not legally report that debt as valid. Doing so violates FDCPA 1692e ( 2 ) ( A ) by falsely representing the legal status of the debt. XXXX has already recognized this and successfully deleted these exact tradelines.Most egregiously, TransUnion is verifying accounts that the furnishers themselves have already closed and requested to be removed. I have official CFPB complaint responses proving this : XXXX XXXX XXXX : In their official CFPB response, they explicitly stated : " To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradelines. " XXXX XXXX XXXX ( via XXXX XXXX XXXX ) : I received a formal, written response directly from their General Counsel, XXXX XXXX XXXX, XXXX, confirming they placed an " immediate cease '' on all communications, completely closed the account, and returned it to their client.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I dispute this account under reason code XXXX ( no verification ). I have not received original documentation proving the debt or assignment of the account. Collection calls continued despite my request for validation. I request investigation and verification. If verification can not be provided, I request correction of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : XXXX XXXX Case Number : XXXX XXXX Data Internal Reference : XXXX, XXXX To Whom It May Concern : I am in receipt of IQ Data International , Inc.s response dated XX/XX/year>. I formally dispute their conclusions and request a proper reinvestigation in compliance with federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically : 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of a dispute, a furnisher of information is required to conduct a reasonable investigation, review all relevant information provided, and report accurate results. XXXX XXXX response does not demonstrate that a reasonable investigation was conducted. Merely stating that an email address was used in an application does not constitute verification of identity, contractual liability, or proof that I personally incurred this debt. Additionally : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation when the accuracy of information is disputed. If IQ Data is maintaining that this account is valid, I formally request that they provide : A copy of the original signed lease agreement bearing my wet signature. A copy of the XXXX XXXX XXXX with my verified signature. Proof of identity verification procedures used at the time of application. Full account-level documentation establishing my legal liability. Documentation showing compliance with XXXX XXXX reporting standards. If such documentation can not be produced, continued reporting of this account constitutes negligent or willful noncompliance under : 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681o ( Civil liability for negligent noncompliance ) Furthermore, under 15 U.S.C. 1681c-2, if identity theft is asserted and properly supported, the information must be blocked from reporting. Marking the account as disputed does not cure inaccurate or unverified reporting. The FCRA requires accuracy and substantiation not assumption. I respectfully request that the CFPB ensure IQ Data either : Produces competent evidence of my contractual obligation, or Permanently deletes these accounts from all consumer reporting agencies. I reserve all rights under federal and state law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: NJ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: IDT Telecom, Inc
State: TX

Complaint narrative:
Subject : Formal Complaint Demand for Immediate Refund ( {$2900.00} USD ) Failure to Render Services To Whom It May Concern, I am submitting this formal complaint regarding a money transfer in the total amount of {$2900.00} USD ( including fees ) sent on XX/XX/year>, through BOSS Revolution MONEY TRANSFER. Transaction Details : Sender : ( me ) Recipient : XXXX XXXX XXXX Receiving Bank : XXXX XXXX ( XXXX ) Account Number : ( XXXX XXXX XXXX XXXX Type of Transfer : Bank Deposit Location : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Total Amount Sent : {$2900.00} USD The company has represented that the funds were delivered ; however, the recipient has repeatedly confirmed that the funds have not been received nor reflected in the referenced bank account. Despite multiple attempts to resolve this matter directly with BOSS Revolution MONEY TRANSFER, no official bank-issued proof of deposit, transaction confirmation, authorization record, or verifiable documentation has been provided. A significant amount of time has passed without resolution. Due to security and identity protection concerns, I am not including the transaction reference number in this public complaint. That information can be provided directly to authorized representatives upon request. At this stage, I am no longer requesting proof of deposit. The extended delay, lack of documentation, and failure to confirm delivery constitute a failure to render services as contracted and raise serious concerns regarding the unjust retention of funds. Therefore, I formally demand the immediate and full refund of {$2900.00} USD. I am prepared to provide any additional documentation required and can be contacted directly at : I respectfully request regulatory review and assistance to ensure prompt reimbursement of the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
Locked out of XXXX cashapp account ( XXXX XXXXXXXX ) which holds money as I changed my phone number. Called customer support countless times and provided all the information they claimed to have needed and they refused to either transfer my accounts money or withdraw it completely. Secondarily, another account ( XXXX XXXXXXXX ) has been frozen for a month citing " security '' concerns but I am incredibly well aware that no illegal activity or attempts to use the account by other people have happened- have called daily about this issue attempting to resolve as well. I need access to my money as finances are NOT readily available to keep the lights on and do basic needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
RE : Apple Card * * * I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The XXXX just directed me to wait XXXX days and then reapply. I did so multiple times with the exact same outcome. In fact, I even submitted a notarized statement of identity - all to no avail! Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements. Otherwise, the lender 's failure to provide explanation or an avenue for reconsideration of my application by allowing me to verify my identity unlawfully deprives me of the ability to utilize consumer credit, which is in violation of relevant state and federal laws. Please have the lender immediately process my credit application and issue the card I was already prequalified for!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered that a PayPal Credit account had been opened in my name on XX/XX/XXXX. Since that time, an unknown individual has been making monthly payments and keeping the account current. I am unable to see the total credit limit, but I can confirm that a payment of {$62.00} was made in XX/XX/XXXX at this time the account owed is at {$1900.00}. When I searched online for PayPal Credit contact information, the phone number I found was not legitimate. I then contacted XXXX directly and asked about a credit card account under my name. I was told that no credit card account exists under my name. However, the PayPal Credit account continues to appear on 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 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I was working for XXXX and for employee account was free. But when i left the company i called customer service to request that please let me know that last date of free service and before spectrum charge anything please cancel my service before that. As i remembered that representative confirmed that if you cancel the service on or before XX/XX/XXXX you don't have to pay anything. I asked him several times are you sure? He said yes. Then I told him if you sure then make schedule to cancel service on that day. He said ok. But now XXXX XXXX XXXX collector sending paper notifications that I owe {$160.00}. Which is totally fraud and mistake from their side. And i do not want to pay for their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: WA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect

Company response to consumer: Closed with explanation