vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
RENTRECOVERYSOLUTIONS ( XXXX XXXX ) Account # : XXXX Balance : {$2900.00} Status : Collection ( Disputed ) Date Opened : XX/XX/XXXX unaware of balance keeps increasing causing hardship SUNRISE CREDIT SERVICE ( XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$2100.00} Status : Collection / Unpaid Date Opened : XX/XX/XXXX Unaware of account identity theft XXXX XXXX Account # : XXXX Status : Charge-off ( Paid ) Date Opened : XX/XX/XXXX Unaware of account identity theft XXXX XXXX XXXX Account # : XXXX Balance : {$55.00} Status : Charge-off Date Opened : XX/XX/XXXX Unaware of account identity theft

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I booked a business class airline ticket through Chase XXXX for my mother, traveling from XXXX XXXX to XXXX via XXXX. The Trip ID is XXXX. The total charge was XXXX dollars, including a XXXX dollar travel promotion, charged to a Chase XXXX card ending in XXXX. On XX/XX/year>, approximately XXXX week before departure, I logged into my account and discovered that the ticket information was missing. I contacted Chase XXXX customer service and was informed that the ticket had been canceled. At no point prior to this did I receive any notification of the cancellation. There was no email, no phone call, and no message. As of that time, no refund had been processed. The system shows Action required : flight schedule changed, which indicates that Chase XXXX was aware of a change, yet I did not receive any notification. Due to urgent family circumstances, my father requires immediate XXXX and my mother needed to return to XXXX before XXXX. Because of the lack of notification and uncertainty regarding the status of the original ticket, I was forced to immediately rebook the same itinerary on XX/XX/year> at a significantly higher cost of XXXX dollars in order to secure travel. After securing the new ticket, I was asked to cancel the original booking. This was not a voluntary change, but a risk mitigation decision caused directly by Chase XXXX failure to provide timely and accurate information. I subsequently contacted Chase XXXX escalation support by phone and requested reimbursement for the additional cost. This request was denied. As a result, I incurred an additional cost of XXXX dollars. If Chase XXXX had provided timely notification and initiated a refund promptly, I would have had sufficient time to make alternative arrangements at a lower cost. Instead, I was forced to act under time pressure and uncertainty. This situation also created a serious risk that my mother could have arrived at the airport only to find that her ticket was invalid. I am requesting reimbursement of the additional cost of XXXX dollars, along with a clear explanation of why no cancellation notification was provided and what corrective actions will be taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.

Complaint narrative:
I am writing to formally raise a concern regarding my business checking account from PNC BANK, which appears to have been closed without any prior notice. I became aware of the situation when I attempted to withdraw cash while being outside the United States. Initially, I assumed my account had been temporarily blocked due to security reasons. However, upon contacting your customer service team, I was informed that my account had been closed at the banks discretion. At the time of closure, my account held an approximate balance of {$500.00} USD. During that call, I was advised that a check for the remaining balance would be mailed to my home address outside of the United States within 15 to 30 days. That timeframe has now passed, and I have neither received the check nor any communication or written confirmation regarding the account closure. Additionally, I never received any prior notification, by email, mail, or any other means, that my account would be closed. The account simply disappeared from my banking application. This situation is highly concerning, and I kindly request your kind assistance in resolving it. I need to recover my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: IN

Complaint narrative:
Kikoff - Build Credit Quickly Grant Cash Advance and Catch : Class Action XXXX are the apps listed on the XXXX XXXX XXXX you can download and install on any device all three of these apps are developed by kikoff inc I have found out that every single one of these apps have redirects to other websites when you get one of these choices you are taken to that website and you are taken out of the app you are in and you end up on a totally different website that looks completely normal and safe to use well the websites you are redirected to turn out not to be safe after all each app contains multiple redirects to websites that are full of viruses Spyware and malware and if you don't have any viruse Spyware or malware protection on whatever device you are using and you the average person would never know kikoff inc has redirects and links on every app they have developed and placed in the XXXX XXXX XXXX that are embedded with viruses Spyware and malware and if you click on those redirects you get it unknowingly downloaded it to your device and it's by that time it's way too late kikoff states that they do everything to protect your personal information my big issue is that they knowingly and willing send you to websites that have been labeled a threat or suspicious kikoff sends people to bad websites that steal our information so how is that protecting our personal information on top of that they sell all your information names date of birth address phone numbers and yes your social security number as well they aren't protecting anyone they are aiding in identity theft and fraud so thank XXXX I have a good anti-virus with safe web browsing enabled kikoff inc and the apps they have created are dangerous and they need to be investigated and ultimately down to protect consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the following account listed on my credit report : Creditor/Collection Agency : Innovative Recovery Inc Original Creditor : XXXX XXXX XXXX Account Balance : {$3500.00} Date Opened : XX/XX/year> I do not recognize this account as reported and request a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please provide verification of this debt, including : * A copy of the original lease agreement bearing my signature * A full accounting of the charges leading to the balance * Proof that Innovative Recovery Inc. is authorized to collect on this account * Documentation showing this debt is accurately reported and belongs to me If you are unable to verify this information, I request that this account be deleted from my credit report immediately. Additionally, please ensure that all information reported is complete and accurate, as required under FCRA 1681e ( b ). Any information that can not be verified must be removed. Please send me written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
While traveling in XXXX XXXX, XXXX, XXXX, I attempted to withdraw {$700.00} USD from my checking account using my debit card issued by Wells Fargo at a XXXX XXXX. The ATM did not dispense any cash ; however, the full {$700.00} USD was still deducted from my Wells Fargo account. I reported the issue to Wells Fargo and filed a claim immediately. Despite escalating the matter, Wells Fargo denied my claim and has not refunded the funds. I am requesting assistance in recovering the {$700.00} USD that was withdrawn from my account without receiving the cash. Claim/Case # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint against Chime/Stride XXXX XXXX XXXX regarding claim number # XXXX. On the night of XX/XX/year>, my account was targeted by an OTP XXXX attack while I was asleep in the amount of XXXX. I have provided screenshots showing 7 unauthorized security codes sent in a short window. I did not request or enter these codes. This claim was denied under 24 hours. This timeline is insufficient for a reasonable investigation under Regulation E, as it clearly did not involve a manual review of the unauthorized security logs. The stolen funds are required for critical living expenses. Chimes automated denial has left me with XXXX balance for my essential obligations, creating an immediate and severe financial emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I called and requested a payoff and was given the amount of XXXX I sent in a cashier check in the amount of XXXX on two day postal mail service on XXXX it arrived for pick up on XXXX on XXXX only XXXX was applied to my account I have tried calling several times and with no success on what happened to the rest of the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MA

Complaint narrative:
I am filing this complaint regarding a fraud claim that was incorrectly denied by my credit card issuer. On or around XX/XX/year>, I was misled into entering my card information on a fraudulent website, believing it was legitimate. I did not realize at the time that the website was fraudulent. Between XX/XX/XXXX and XX/XX/year>, a total of 10 unauthorized transactions appeared on my account, totaling approximately {$5800.00}. These charges were made by merchants that I do not recognize and did not intend to transact with. I did not authorize these transactions. Although I entered my card number and CVV on the fraudulent website, I did not receive or enter any one-time passcode ( OTP ), verification code, or any form of authentication to approve these transactions. I did not knowingly authorize these charges, I did not approve any transactions, and I did not receive any goods or services from these merchants. The transactions that appeared on my account are different from the website I believed I was interacting with. I reported the issue to my bank immediately while the transactions were still pending. However, my fraud claim was denied. The bank stated that the transactions were authorized due to device authentication. I strongly dispute this conclusion. Entering card information on a fraudulent website does not constitute authorization, especially when no verification or authentication was completed. Additionally, the transactions were highly unusual and inconsistent with my normal spending behavior. Many of the charges were large amounts, often exceeding {$900.00} per transaction, which is not typical for me. I do not usually make purchases of this size, nor have I ever made transactions with merchants such as XXXX, XXXX, or XXXX. Furthermore, these transactions significantly deviated from my normal usage pattern and should have reasonably triggered fraud detection or alerts. However, I did not receive any warning, notification, or verification request from the bank before these charges were processed. I have since contacted the bank again to reopen the case, but I have not received clear confirmation or resolution. This situation has caused significant financial hardship, as I can not afford to pay for fraudulent charges of this amount. I respectfully request that the bank : - Reopen and conduct a thorough investigation of my fraud claim - Provide evidence supporting their determination that these transactions were authorized - Issue a provisional credit while the investigation is ongoing- Remove these unauthorized charges from my account I am seeking a fair and reasonable resolution to this matter.

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 monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
WHAT HAPPENED Step 1 My XX/XX/XXXX payment was made on time. I submitted my XX/XX/XXXX mortgage payment of {$2300.00} online on XX/XX/XXXX nine days before the XX/XX/XXXX due date. Chases own Detailed Transaction History ( Reference XXXX, provided by Chase on XX/XX/XXXX ) confirms this payment was accepted and credited to my account. Step 2 Chase reversed the payment without notifying me. On XXXX XXXX XXXX, Chase reversed my payment ( Transaction References XXXX in Chases own ledger ) citing ACH return code R09 Uncollected Funds. R09 is not the same as NSF ( R01 ) : it means funds were present but not yet available due to a clearance timing issue, a circumstance entirely outside my control. I received no timely written notice from Chase that this reversal had occurred. In its own letter of XX/XX/XXXX, Chase confirmed it had forwarded my request for notification records to the appropriate department for review and could not yet produce them meaning Chase can not demonstrate it notified me as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ). Step 3 I cured the payment promptly once aware. Upon learning of the returned payment, I remade the XXXX payment on XX/XX/XXXX ( Transaction Reference XXXX in Chases ledger, applied to Due Date XX/XX/XXXX ) and made my XXXX payment on XX/XX/XXXX. Both are documented in Chases own records. Chase then reported my XXXX payment as received XX/XX/XXXX and applied its 29-day rule ignoring that the original payment had posted XX/XX/XXXX, well within any applicable window. Step 4 Chase never charged a late fee. The complete transaction history Chase provided shows no late charge, penalty, or fee for this period. Chases standard practice is to assess a late fee on genuinely delinquent accounts. The complete absence of any such fee is directly inconsistent with simultaneously reporting a 30-day delinquency to four credit bureaus. Step 5 I submitted a formal documented dispute. Chase responded with form letters. On XX/XX/XXXX, I sent Chase a combined FCRA 623 Direct Dispute and RESPA Qualified Written Request ( QWR ) via Certified Mail with eight exhibits, including Chases own transaction ledger. Delivered to XXXX, OH on XX/XX/XXXX ( USPS Tracking No. XXXX ) and to XXXX, LA on XX/XX/XXXX ( USPS Tracking No. XXXX ). Chase responded on XX/XX/XXXX and XX/XX/XXXX with XXXX substantially identical form letters from the Customer Support Team. Neither letter addressed the XXXX distinction , the notification deficiency, the transaction ledger evidence, the absent late fee, or any of my six QWR records demands. Both letters simply restated Chases position that the XXXX payment was received XX/XX/XXXX and reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MWS Financial Services LLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit garness my wages from my employer and did not contact me my jobs said they had information from this complay to take {$1600.00} out my pay. so they did and i callled miland credit about it. my job told me that midland credit have not told me any thing in writing. my accout was withj XXXX XXXX XXXX XXXX. mildland credit bougth debt. and i did not get nothing on matter the garndess my wades. on matter. midland credit took XXXX from my pay roll, my concern is that midland credit did not contact me at all. i called the XXXX XXXX XXXX, they informed me that a XXXX XXXX from XXXX them that debt, is do i mean not no contact me in matter. court or XXXX wrote cout records they he went to address XXXX XXXX XXXX in matter. no ever talked i contact me in this matter. all information was given wrong. please help because midland credit was wrong,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
They are reporting on my credit report I do not who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX XXXX XXXX, with an alleged balance of approximately {$10000.00}. On multiple occasions, I requested proper validation of this debt in writing, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). These requests were sent several times by written correspondence. The company failed to provide adequate validation. The only documentation provided consisted of account statements, which do not constitute proper validation of a debt. They have not provided a signed contract, proof of legal ownership of the debt, or sufficient evidence demonstrating that I am legally obligated to pay. Despite this lack of proper validation, the company continues to report this account to the credit reporting agencies, which may constitute a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), as well as the FDCPA. I have made good faith efforts to resolve this matter, including requesting validation and attempting to address the issue directly with the company. However, they have failed to comply with federal law requirements. I am requesting that this matter be investigated, and that the company either provide full and proper validation of the alleged debt or immediately remove this account from all consumer reporting agencies and cease all collection activity.

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