vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a Chase Sapphire Reserve cardholder who receives a complimentary XXXX XXXX membership benefit as part of my credit card agreement from a promotional period in XXXX of XXXX. 

On XX/XX/XXXX, XXXX permanently flagged and restricted my account for alleged membership sharing. I am the sole cardholder and sole user of the account. 

The only recent change was that I temporarily switched to a new mobile device and later returned to my original device. This appears to have triggered an automated fraud flag. 

XXXX has not provided : Specific evidence of the alleged violation Dates or device data reviewed A manual review by a risk team They have stated the decision is final despite my request for clarification. 

This action has resulted in the loss of a financial benefit tied directly to my Chase Sapphire Reserve card, for which I pay an annual fee. I am requesting : Reinstatement of my XXXX XXXX benefit if no evidence of sharing exists I am simply asking for due process and the return of a credit card membership entitlement that was wrongfully terminated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is being sent to you pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this alleged debt, and I demand full validation of this debt as required by law. Until such validation is provided, you must immediately cease all collection activities, including reporting to credit bureaus under 15 U.S.C. 1692g ( b ) and 1692e ( 8 ). 

You are hereby notified of the following : - I do not owe the debt you claim. 
- I refuse to pay any debt unless it is fully validated with complete documentation. 
- You are not authorized to report this debt without proper validation. 

You must send me : XXXX. The original creditors name, address, and account number. 
XXXX. A copy of the signed contract or agreement bearing my signature. 
XXXX. A full itemized accounting of all charges, fees, interest, and payments. 
XXXX. Evidence that you are legally authorized to collect on this alleged debt. 
XXXX. A copy of the judgment, if applicable. 
XXXX. Proof that this debt is not time-barred under the applicable statute of limitations. 

If you can not produce this information within XXXX days from receipt of this letter, under 15 U.S.C. 1692g ( b ), you are legally obligated to : - Cease all collection activity. 
- Remove all references from my credit reports immediately. 
- Notify all agencies to whom you have reported this account of its disputed status. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General 's Office. I reserve the right to pursue civil litigation for violations of the FDCPA and FCRA 15 U.S.C. 1681s-2 for continued reporting of unverifiable information. 

This letter is sent without waiver of my rights, and no phone contact is permitted. All communications must be in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I am a victim of identity theft, and the consequences have been devastating. I recently discovered that an account with XXXX XXXX, XXXX. was opened in my name without my knowledge or consent. I did not authorize this account, nor was I informed that it had been opened. The fraudulent account has led to legal actions taken against me by Lyons, Doughty & Veldhuis, P.C., who are pursuing a debt of $ XXXX debt I do not owe. I am not the debtor, and this situation has placed an immense emotional and financial burden on me. This fraudulent activity has turned my life upside down, leaving me struggling with unnecessary legal and financial stress. The fact that my personal information was stolen and used to open an account I never applied for is a violation of my rights. Its not just an inconvenienceits caused me significant emotional distress, XXXX, and disrupted my peace of mind. I am now spending countless hours and resources to undo this, when I should never have been involved in the first place. The actions against me violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), which prohibits reporting debts without the consumers consent. The fraudulent account reported under my name directly violates this law. Additionally, under 15 U.S.C. 1692e ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using misleading or deceptive practices. Yet, Lyons , Doughty & Veldhuis , P.C . continues to pursue this debt, despite it being based on fraud. This is unlawful and a direct violation of my rights as a consumer. The emotional toll of this situation has been overwhelming. What should have been a peaceful, stable life has now become an ongoing battle to clear my name. The legal fees, the time spent fighting this fraud, and the uncertainty of when this nightmare will end have drained me financially and emotionally. I am requesting the immediate removal of this fraudulent judgment from my records and that all collection efforts cease immediately. I am not responsible for this debt, and I need my name cleared of these fraudulent actions that have caused so much unnecessary harm. I trust that the CFPB will act swiftly to help resolve this issue and put an end to this ongoing nightmare. I am not the debtor, and I should not have to carry the weight of this mistake any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hughes Finance
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-02-11 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX a company called XXXX also known as XXXX posed as an agent of XXXX XXXX XXXX. We called their toll free number thinking we were calling XXXX Directly based on a search did online. They promissed to pay XXXX the {$2900.00} US they charged our Barclays XXXX XXXX XXXX. This was never done. 

We disputed the charge with Barclays and they opened a dispute. I sent them information and an email chain from XXXX where they promised initially to process the payment to our XXXX account and then later verbally told me they would refund the amount, Niether of these happened.

I received a notice from Barclays Dispute department that they had ruled in favor of the merchant. I then provided them with additional information the way of my current XXXX XXXX account showing that since the date in XXXX until mid XXXX they have not paid the {$2900.00} they agreed to pay.

Searches on the internet show these two companies be fraudulent which I also provided to Barlcays. I have called them to reopen the case but it does not appear that they have done this. Clearly the service was never provided by XXXX and I want the charge removed from my card and the case re-poened.

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 2026-02-11 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: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
on XX/XX/year> a payment in the amount of {$340.00} was sent to a XXXX XXXX on cash app transaction # XXXX from my cash app balance on my app. This took effect after my phone was lost at a convince store out of my bag and was not not found until the next day. in the memo it stated that it was for a transaction with whom I believe to be illegal activities. I proceeded to try and request a refund from this person with no reply so I then contacted cash app support I've requested multiple documents and that the persons cash app profile please be looked into to see if they have been any other complaints on them for scamming people. The company Cash App has still not done anything at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently had a fraudulent charge on my XXXX XXXX credit card. I notified XXXX XXXX on XX/XX/XXXX that I did not authorize this charge. I spent many frustrating months and countless hours on the phone trying to get this issue resolved. Each time I called, I would be transferred from the billing department to the security department to the fraud department. Finally, after several months and countless frustrating hours, I was given a " security reimbursement '' for the fraudulent transaction. 

On XX/XX/XXXX, XXXX Citibank XXXX  closed my account without notice for " security concerns '' and therefore would not be paying any points that I had earned. I feel like they took these points away just before being paid to get some reimbursement for the fraudulent transaction. I earned these points from XX/XX/XXXX, to XX/XX/XXXX. They were due to be paid out in the amount of {$470.00} on the XX/XX/XXXX statement. I was never late on my payments and was in good standing when they closed the account. 

I find this company to lack integrity and customer service.

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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have been told by the hardship program of Mi that I would be untiled to a loan through bizzzloans.com and XXXX, XXXX, etc. 
Im constantly getting used XXXX cards in the mail that I have no idea what to do. I literally have a couple socks full of cards. I also took some of them to the XXXX XXXX police station because this hasnt just been going on since Im moved here although its gotten worse to my new address, but it has gotten to the point where I think Ive had to change passwords since Ive been doing since all of this started happening around 2016 and I have not got any compensation or even a letter just letter stating that I have been breached and heres what to do and when I do what it supposed to do nothing happens. I actually have something right now that I want to see if it is legitimate because it is the first time that I have got anything like this in my name. I will definitely try and give you as much information and one came to my mom as well.

I can tell you exactly what it says. It says XXXX XXXX class action settlement C/O settlement administrator. I also have another one health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Please help me because I am in the process of on my downward slope of what I was diagnosed XXXX XXXX syndrome. 
I have been dumpster diving to find the correct material for some of the stuff Im creating because I cant even get a {$2000.00} loan when I see all these people faking their XXXX to try and take advantage of the money that are there for people with brain injuries like me and XXXX people and people who can not walk. I think thats a shame. 
I want excuse me. I need some resolution because XXXX is my home and I am a patriot. My father served in the military along with his brother and his father. I am unfortunate because of my brain injury, but I would give my life for this country and all Im asking for is a business loan so I can make a legacy in honor of my fathers name.

Please look into this as I would look into yours like I was taking care of your mom as I take care of my mom 24 seven and work on what I need to work on. 
Youre my last hope and I hope you come through as I would for you if I had the resources. 
Sincerely XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX recently sent me to collections for three bills totaling {$230.00}. The bills were from services on XX/XX/year>, XX/XX/year>, and XX/XX/year>. These bills were paid using my XXXX account on XX/XX/year> and XX/XX/year>. I have provided proof of payment to XXXX XXXX since XXXX, and they have failed to rectify the issue and now sent me to collections. My emails to HealthyU have been accepted, and they have said for years that they will forward to the billing manager. In almost three years, nothing has obviously been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit report shows a bankruptcy. We rescinded the bankruptcy before it was ever gone to court. This needs to be removed as it is preventing me from a home purchase.

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 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint against LVNV Funding/Resurgent and their agent XXXX XXXX for repeated, willful violations of 15 U.S.C. 1692g ( b ). The collector received two separate formal Debt Validation disputes via XXXX XXXX Mail : Letter # XXXX ( Account XXXX ) : Delivered on XX/XX/year> ( Tracking # : XXXX ). Letter # XXXX ( Account XXXX ) : Delivered on XX/XX/year> ( Tracking # : XXXX ). 
Under the FDCPA, all collection activity must cease until validation is provided. Despite these legal notices, the collector has ignored the mandate to stop. I received a collection email for account XXXX on XXXX XXXX days after delivery of my dispute. Furthermore, the collector has contacted me multiple times since the XX/XX/XXXX delivery of my second letter to collect on account XXXX. Resurgent acknowledged my dispute for account XXXX in writing on XX/XX/XXXX but has failed to provide validation while continuing active electronic collection efforts for both balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible form my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Klarna AB
State: TX

Complaint narrative:
I have been dealing with Klarna for over 3 months now. Also this is the second time Im filing a complaint against them. They are supposed to be refunding me money that they owe me when I purchased a phone but I returned the phone so Im owed the refund. They claim the money should be with my bank but I already spoke to my bank numerous of times and they even gave me a letter saying they dont have the money and showed me bank statements. Klarna requested the bank statements and a letter from the bank. Which I proved and now Klarna is not responding to me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've had a savings account in good standing at BMO ALTO since XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and have the money transferred to an existing external account. When I attempted to close the account online I got a message saying I must call to close the account. I did, and got a case number.. I was told it could take up to a week. 
On XX/XX/XXXX I called to check on the status and was told the money would be transferred by Monday the XXXX. 
The XXXX came and went and still no transfer or closure. 
I called again on XX/XX/XXXX and got an apology and was told " notes would be added to my file '' Today XX/XX/XXXX, still no closure or transfer. I called again and was told " a new ticket was filed yesterday for account closure ''. 
Nothing I've been told thus far has been true.

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