vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from 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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
My account has been closed and said to have been sold to another company called " XXXX '' but no other information was given on how to contact the company or who it even actually was. On Tuesday, XX/XX/year> my husband and I both received a call from a woman named XXXX from a company called XXXX and XXXX XXXX stating she was a courier and needed to give me documents that I needed to sign in person and that she was going to be going to not only my home but my place of employment as well. I let the call go to voicemail but my husband spoke with the woman who said she was going to be serving us tomorrow XX/XX/XXXX whether it be at our home or at my place of employment if we did not pay the amount of debt from My XXXX XXXX. We are struggling with money but my husband took it seriously and unfortunately gave his debit card information to her over the phone. I then received an email from XXXX. Once I got home from work and he told me what happened I began searching into this company further and realized not only is My XXXX XXXX scamming people they also seem to work with this other company to threaten people and collect payments. Thankfully I had my husband cancel his card and we will not be communicating further with XXXX and XXXX 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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service, Inc.
State: MA

Complaint narrative:
COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research COLLECTION 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: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ Data XXXX and XXXX XXXX XXXX failed to validate debt. They sent documents with the wrong name, cut-off signature not mine, amounts inaccurate. Incorrect spelling and/or representation of my name was clearly listed Absence of my signature on any contractual agreement Apparent character errors and inconsistencies that call into question the authenticity of the documents Disputed with XXXX and they still marked validated without reviewing the evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Tuesday XX/XX/year>, I opened up my Chase mobile app on my XXXX XXXX XXXX XXXX as I regularly do every few weeks to find that my credit card that I've had with Chase for about a decade has been closed. This was a surprise to me as I never received notice of this, despite logging into the application throughout the last couple months, including in the weeks prior to this. I called Chase Customer Service who stated the account was recently closed on XX/XX/XXXX and that they had sent written notice of closure due to non-activity back in XX/XX/year>. I did not receive this notice. I also had prior enabled paperless digital account statements. I confirmed that my email & Chase digital inbox did not have this notice and confirmed with the Customer Service rep from Chase whether they sent it, which they replied they only have to send written postal notice and do not need to send digital correspondence within the app, through my paperless document preferences, or otherwise. My complaint circles around Chase 's choice to not send this critical account correspondence through the digital communication lines that I had already agreed to get digital statements by ( in this case, email & the Chase app ). I understand that legally Chase has to send written postal notice, but it seems absurd that such an important account notice/statement that should not also be included in my paperless digital document settings that Chase pushed me to enable. This does not exhibit a best effort from Chase to contact me and it seems anti-consumer especially given Chase 's advertisement and pushing of paperless statements. Additionally, it seems absurd that the Chase app did not warn of account closure until it happened despite me logging in throughout the months between XXXX & XXXX. In fact, many other credit card companies and banks even use the fact one has logged in and used their mobile app as proof of account activity. Chase 's choice to close the account despite clear evidence I was actively engaging with Chase via the electronic means they advertised and pushed me towards seems anti-consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
portfolio Recovery associates is reporting a {$490.00} balance on my experian credit report while simultaneously reporting a {$0.00} balance on my XXXX credit report for the exact same account number the same debt can not have two different balances on two different bureaus at the same time. I disputed this inaccuracy with experian twice and portfolio recovery verified the {$490.00} amount both times despite this clear cross bureau inconsistency. I have a screenshot proving the {$0.00} balance on XXXX versus the {$490.00} balance on experian for the identical account. portfolio recovery is falsely representing the amount of this debt in violation of 15 U.S. Code 1692e and violating their furnisher obligations under 15 U.S. Code 1681s-2 by reporting inaccurate information they can not verify. I am demanding this account be permanently deleted from my experian report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX my debit/credit card information was somehow stolen and added to another persons digital wallet without my authorization. I am unsure how this could have happened. there were approximately 10 fraudulent transactions made back-to-back totaling over {$1000.00}, primarily involving purchases through XXXX. I did not authorize any of these charges, and I do not even have an XXXX account. After reporting the fraud to my bank, I was instructed to contact XXXX directly for additional information. XXXX was unable to provide meaningful details regarding the transactions, other than mentioning one purchase described as an XXXX XXXX, which I do not recognize or understand. The pattern of transactions clearly indicates fraudulent activity, as there were numerous purchases made within a short period of time that do not match my normal spending behavior. Additionally, my own digital wallet and account history do not show any record of me making or approving these purchases. I am also concerned that the individual responsible may still have access to my card information or digital wallet. Despite reporting these unauthorized transactions promptly, my bank denied my fraud claim, leaving me over {$1000.00} short in my account. I am requesting assistance in reviewing my case and investigating the handling of my dispute, as these charges were not made or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: NY

Complaint narrative:
My XXXX XXXX XXXX for child support payments was no longer working since they closed the program and they starting the process of issuing me a check on XX/XX/XXXX. The lady I spoke with confirmed my home address and said the check should arrive between 4 and 6 weeks. On XX/XX/XXXX I got a phone call from the XXXX XXXX XXXX advocate stating that the check was processed on XX/XX/XXXX and I will get it in 3 to 5 days. Today is XX/XX/XXXX and still no check. When I called to speak to the agent I was told that they dont send me a check directly because they are not a bank and it has to come from your local agency, that by the way has no information about it when I spoke to them on a phone. I called again to speak with the supervisor of the way to go program and she said that the NY State treasurer will send you a check within 90 days from XX/XX/XXXX. Its really becoming very frustrating and confusing to me and I need to clarify this issue and get my money because that company is a nightmare, and everybody gives me different information about the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Re : Dispute Charge Debit Card ending : XXXX Case # XXXX Account Name : XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand immediate resolution of a fraud claim concerning my business account under the name XXXX XXXX XXXX XXXX , associated with debit card ending in XXXX. Unauthorized transactions were identified as follows : - {$3000.00} on XX/XX/year> - {$7700.00} on XX/XX/year> These transactions were not authorized by me or by anyone acting on behalf of my company. Despite timely notice to Bank of America, this matter has been mishandled, delayed, and subjected to contradictory and inaccurate information. Specifically : - I was instructed to contact the merchant, which I did, without resolution. - I was later informed that a fraud confirmation email had been sent and responded to this is false. - Upon further inquiry, I was advised that no such email exists in your records. This inconsistency raises serious concerns regarding your institutions compliance with federal consumer protection laws, including but not limited to the Electronic Fund Transfer Act and Regulation E, which require prompt and good-faith investigation of unauthorized electronic fund transfers and timely communication with the account holder. Your failure to properly investigate, your reliance on inaccurate information, and the excessive delays may constitute negligence and non-compliance with these legal obligations. Accordingly, I hereby demand : 1. Immediate reimbursement of the full amount of {$10000.00} 2. A complete written record of your investigation, including all internal notes and communications 3. Written confirmation explaining the false claim regarding the alleged fraud confirmation email 4. Immediate escalation of this matter to your Executive Resolution or Legal Department

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 2026-05-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I order a prototype for a heavy duty, heavy chewer dog toy from XXXX, they sent me a babys plush. When I messaged them about the product not meeting the specifications they told me they sent me a childs plush and are now refusing a refund. Wells Fargo did zero investigation as I have it all in text. I just want my money back at this point. This was completely negligent and couldve killed the dog.

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 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NE

Complaint narrative:
On XXXX I ordered some medication for my XXXX for {$39.00} free shipping.afew days later I noticed that the company had taken 2 large amount out of my account instead of the {$39.00} they took {$130.00} and then they took another {$190.00} for a $ XXXX.so i called the company and they told me that my transaction didn't go threw.but I knew better so I called XXXX XXXX on XXXX to report it so I then looked up the company to find out that it's a big scam.Just go online and lookup up XXXX XXXX XXXX XXXX and you will see it's a big scam the lady that reported the scam got her money back .I did call to find out where to return what they did send and was told they are not taken returns I'm sending pick of what they did send it has nothing to do with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/year>, U.S. Bank closed my savings account I have {$590.00} on that account. I was told I would receive a check in the mail with an explanation. My checking account was still open at that time and had approximately {$1800.00} in it. Yesterday, I deposited a check for about {$690.00}, which only XXXX posted to the account. Today, I noticed my balance had dropped significantly with no visible transaction. When I called U.S. Bank, they informed me that they have now closed my checking account as well. Both accounts are closed. I asked when I would receive my money, as I need it to pay rent and bills this month. They stated that I have an active dispute that does not expire until XX/XX/year>, and they are holding all of my funds over {$2600.00} until then. The dispute in question is for less than XXXX. This has created a severe financial hardship. I do not understand why a small dispute allows them to freeze my entire balance for approximately three months, especially after they closed both accounts without prior notice. I am requesting that U.S. Bank immediately release my funds, minus only the disputed amount if necessary, and provide a written explanation for the account closures and the hold.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I was not able to get any information in reference to the account in question, they could not verify name, address, service address, or payment history. The Collection Co. is Harris & Harris , LTD, they have a long deceptive history with the Attorney Generals office in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
We paid our modified mortgage amount on XX/XX/year>, in the amount of {$2900.00}. We called in and were told over the phone the amount to pay, we paid, the amount was accepted. We then called to pay the month of XXXX and talked with XXXX, who told us our payment in XXXX was short by approximately {$59.00} dollars even though we were specifically told a different amount to pay and that payment was accepted. XXXX claimed they did not have our contact information and said since they didn't have it they did not attempt to contact us about the need for paying the {$59.00}. Because of this we were told we were being removed from the modified mortgage program and we owed approximately {$6000.00}. We were told we either had to pay the {$6000.00} dollars immediately or reapply for assistance. They stated the application process was 30 or more days and were requiring the {$6000.00} before the application process could be completed. A few days later we called back to get information on why we were being punished for their error in charging us the wrong amount. We were told they would look into the recorded conversation that was had and get back to us with what had happened. Approximately one week after that phone call we received an email stating that the new reason we were being removed from the loan modification program was that we had not sent them the appropriate documents in time. We had already been accepted into the program and part of that acceptance was getting those documents in on time. XXXX XXXX XXXX did not communicate to us which documents had not been turned in on time nor did they communicate to us the appropriate amount of money we needed to pay on XX/XX/XXXX. The communication has been unprofessional and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Was notified by text that a payment to a credit card company was paid. {$3100.00} was taken from my account to pay a XXXX card which i don't have. I don't have any credit cards through online banking which also don't use. I contacted there fraud department and informed them. After 14 days i was notified my claim was denied and they no longer wanted my business and to close all existing accounts.

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