vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT

Complaint narrative:
Complaint Against Columbia Debt Recovery Debt Not Mine / Wrong Identity I am filing this complaint against Columbia Debt Recovery for attempting to collect a debt that does not belong to me. I have been contacted regarding an alleged account under the name XXXX XXXX. I want to make it clear that I am not the individual associated with the lease or account referenced, and I have no contractual relationship with the original creditor. This appears to be a case of mistaken identity and inaccurate reporting. I have already sent a written dispute and request for validation to Columbia Debt Recovery. Despite this, they have failed to provide any documentation that proves I am responsible for this debt. Their continued attempt to collect from me and/or report this account is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors to verify debts and ensure accurate reporting. This situation is causing harm to my credit and unnecessary stress. I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies- Immediate cessation of all collection activity - Written confirmation that I am not responsible for this debt and that the account has been closed If this matter is not corrected, I am prepared to pursue further action. I have attached copies of my dispute letter ( s ) and any supporting documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Applied for loan XXXX they have sent/uploaded in fraud checks to my account i do have docs to verify as well as barcodes they use. They took XXXX out of my checking account and my bank closed our relationship and either my bank or the person took out {$200.00} from my business account. I want to do the right thing and close my bank account but want the XXXX from my business account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: NY

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-04-24 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: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
The three credit bureaus XXXX, XXXX and XXXX are carrying collection debts that are not mine, and a result of person ( s ) unknown used my credit information bought or sold on the Dark Web and used to inquire debt ( s ) in my name. I have tried to remove these debts, collections, etc. by continuing to notify the collection companies that the debts don't belong to me. I have notified the 3 credit bureaus of this fact, and to try to get these 3 credit bureaus to remove them from reporting them as belonging to me. By having my name on the Dark Web, my credit information, email and social security number was sold or used by person ( s ) from the Dark Web.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to formally state that my identity and credit information have been improperly used without my authorization. I believe that certain accounts, inquiries, or credit activity appearing on my credit report may have been opened or reported as a result of identity misuse, unauthorized access, or reporting errors. I did not authorize all of the accounts, inquiries, or credit activity that may appear on my consumer credit file, and I am currently reviewing my credit reports for 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My CPA advised that I can not contribute XXXX XXXX for Year XXXX on XX/XX/XXXX. I contacted Wells Fargo to withdraw {$8000.00} ( Year XXXX contribution ) and transfer to my checking account. On XX/XX/XXXX {$8000.00} was withdraw from my account and Wells Fargo sent the fund to other people 's accout. Therefore they stole {$8000.00} from me!! I contacted them 10 times with no result. Please help - thank you.

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 2026-04-24 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: FL

Complaint narrative:
Citibank closed my XXXX Citi Card and my XXXX Card, Neither was late and have NEVER been paid over 30 days late. They closed them with no warning or phone call and kept my Fees which should be refunded.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX calls me several times a day, leaving voicemail messages that they are trying to get in contact with ( my name ). These messages were left on my husband 's phone. When I reached out, they were abrasive. I asked for them to mail me proof of debt and verification that they took over the debt. The XXXX indicated that by asking for this information, they will get their lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I started receiving back to back calls from private numbers threatening to show up at my house and place of employment. They said I needed to confirm info so the could serve me. They left multiple voicemail threatening me and a number to call ( XXXX ) XXXX. When I called that number woman wouldngive me anything but her first name and wanted me to verify mine. When I refused the call got aggressive, and I said who is this debt with she said Credit Fresh was the company I had an agreement with. When I asked who her company was, she said they were in New York and she never once told me the company name. She told me my debt was over $ XXXXand they would be taking legal action and she'd see me in court. When I told her to be on time, she hung up on me. Then I got even more threatening calls and voicemail back to back constantly. I called the number again, and told them to stop immediately, or I was going to report them since they were not providing me with any proof of debt or validation of debt, they transferred me back to the same lady and she told me that I would have to call credit fresh and then probably call multiple other numbers, depending on who they sold it to, but her company is just the one filing the lawsuit against me for credit fresh. She kept putting me on, hold, saying, she was speaking to legal. And that if I could pay it now, they would stop all collections, I said, well, I need proof of what I would even be being asked to pay. She said she couldn't send me anything and went back to legal came back and said, well, if I could pay just a little over a {$1000.00} then they could settle my debt, and stop the lawsuit process. I still refused until receiving validation of debt and writing. Nothing has been provided, and she said that it would not be provided that I would have to go through creditfresh

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against Chase Bank regarding its denial of my fraud claim involving unauthorized debit card transactions on my account The disputed transactions are : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the same date ( XXXX ), I received a fraud alert from Chase for a separate transaction of approximately {$320.00}, which I explicitly declined, indicating that I did not recognize the activity. This confirms that Chase had real-time notice of suspicious activity on my account. Despite this, Chase allowed additional transactions to be processed within the same timeframe and is now classifying them as authorized solely because chip and PIN were used. I dispute this conclusion for the following reasons : I did not authorize these transactions. I have never shared my PIN with anyone. My card has remained in my possession at all times. Chase was already alerted to suspicious activity and failed to prevent further unauthorized transactions. The use of chip and PIN only demonstrates that credentials were processed, not that the account holder authorized the transaction. Under the Electronic Fund Transfer Act ( Regulation E ), the burden of proof lies with the financial institution. Chase has not provided any evidence demonstrating that I authorized these transactions, nor any documentation linking me to the physical use of the card. Chase has denied my claim based solely on the presence of chip and PIN, which is insufficient to establish authorization under Regulation E. deral consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had a theft scare, someone tried to send themself money from my phone. I emailed Venmo to try to stop the payment, they suspended my account. They sent me a follow up email on how to reactivate the account. I provided the requested information, but they never resolved the issue. I tried emailing again but they haven't responded. I'm unable to reach customer support on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The case XXXX was closed without a resolution. I need to file an appeal because there is a third-party company that manages the ATMs for Bank of America XXXX furthermore, XXXX ( the foreign bank from which I withdrew my funds ) received a report indicating a successful transactionwhich is incorrect, as the machine was operational but failed to dispense the cash. It is worth noting that this report reflects a overpayment of more the {$5000.00} dollars while they were able to identify the rightful owners for a portion of these funds, they claim that the money from my specific transaction was taken. I request that they conduct an investigationincluding a review of surveillance footage, etc.as the cash dispenser did indeed open, but it contained no money.This third-party cia have my $

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX someone by the name of XXXX XXXX refunded {$700.00} on my cash app. On Friday XX/XX/XXXX my cash app said + {$700.00} went to my XXXX XXXX XXXX. That same day on the XXXX my cash app said the {$700.00} was declined. I never had {$700.00} go into my bank account however {$700.00} was taken out. I NEVER gave anyone {$700.00}. I called cash app and they said there is nothing I could do. I told them I never sent anyone {$700.00}. The agent I talked to at Cashapp could not speak English and kept reading from a script that made absolutely no sense. The cash app agent would not let me speak to a manager or any other person that could speak English. In the email that cash app sent me back saying my fraud claim was denied they didn't even have the right name of the person who got the {$700.00}, the XXXX XXXX. They had another person user name of $ XXXX. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I put in {$3300.00} in my CashApp account on XXXX XXXX at XXXX to save for my mortgage and monthly bills. The CashApp card was locked so that nothing would touch the money. On XXXX XXXX XXXX at XXXX I got a email alert that showed someone in state of Indiana sign into my account. When I checked my CashApp account {$3300.00} had been stolen and transferred into XXXX. Then on XXXX XXXX at XXXX they withdrew the XXXX amount and transferred it out of my CashApp account. As soon as I seen the money was gone, I contacted CashApp support to file a dispute ( Case # XXXX ). I was told to wait 10 days to hear back about my dispute by email. Never received that email. I have called multiple times and days with no information on when my case will be resolved. Then on XXXX XXXX XXXX an Agent named XXXX to me that my case should be with the XXXX XXXX. I talked to them, they transferred me to the Risk Team. Still to resolution on my case and my bills are a month behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, After receiving a fraud alert from Chime. I contacted them and after almost 2 hours later the rep. promised to transfer my money ( {$1300.00} ) from one account to my checking account so that I could make a withdrawal to pay my bills. The rep then transferred my money to I dont know where. Chime has investigated 3 times and still denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have received two complaints telling me to pay them at first I was in a agreement to pack to pay XXXX XXXX then I get a email about another company with the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: NJ

Complaint narrative:
Chase Freedom Credit Card ending in XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized / Undelivered XXXX XXXX XXXX XXXX XXXX : Chase Freedom Ending in XXXX Transaction Date : XXXXXX/XX/year> Transaction Amount : {$6500.00} Merchant : XXXX XXXX XXXX I am writing to formally dispute the above transaction for {$6500.00}, which I was charged by XXXX XXXX XXXX on XX/XX/year> for customized jewelry that I never received. I originally opened this dispute approximately five months ago and have followed up multiple times by phone. Despite my repeated attempts, I have not received any update, resolution, or confirmation that the merchant has provided proof of delivery. To date, I have not received the jewelry, any refund, or any communication from the merchant confirming fulfillment of the order. Now, I am getting a request from the Chase bank to make the payment of {$6500.00} For clarity, here are the key facts : I ordered a customized gold ring from XXXX XXXX XXXX for a family wedding in XXXX. The merchant charged me the full amount upfront, and I was only responsible for expedited shipping. The jewelry was never delivered. When I requested a refund in XXXX, the merchant claimed gold prices had increased and demanded additional money, despite already charging me in full. I repeatedly asked the merchant to cancel the order and issue a refund, which they refused to do. I have never received the product, nor have I received any refund. I have asked Chase multiple times to request evidence of delivery or handover from the merchant. No such evidence exists because no delivery ever occurred. Given these circumstances, I am not liable for this charge. I have acted in good faith, attempted to resolve the matter directly with the merchant, and ultimately turned to Chase for assistance because I was left with no other option. This merchant has acted dishonestly, and I have effectively been defrauded. I got the Refund from Chase Bank as electornic transfer for the full amount of {$6500.00}. But again in 2 days, they charged me saying we are considering this dispute as VALID and you are required to make the payment. I respectfully request that Chase : 1. Reopen and complete the investigation, 2. Obtain proof of delivery or fulfillment from the merchant, and 3. Permanently remove this charge from my account, as I did not receive the goods I paid for. I appreciate your attention to this matter and trust that Chase will help bring this dispute to a fair resolution. Please let me know if any additional documentation is required from my end. Thank you for your time and support. Sincerely, XXXX XXXX XXXX, NJ Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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