vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX there were XXXX transactions approved on my behalf to a merchant named XXXX. PNC BANK account. In the amount of XXXX and XXXX. XX/XX/XXXX I was contacted by XXXX ( merchant ) I exchanged goods with. Informed me that no payment was received from the original transaction. But was confirmed on PNC Statement. I the seeker documentation from XXXX with a XXXX number to locate the chargeback. PNC bank, sent letter to validate this transaction to the merchant. Still no luck on locating the transaction. I then was advised from XXXX XXXX, who is in contract with XXXX and handles all account matters. I disputed those XXXX transactions with PNC to validate the charges. As the merchant needed credit for exchange goods with buyer. PNC confirmed with me that it would be a validation and not a credit. Needing to locate the credit. XX/XX/XXXX I received a credit for those two transactions and not to validate the credit to the merchant. I called immediately to figure out why I received funds that were not for my use but for the merchant. I was informed XX/XX/XXXX XXXX checks would be mailed out. For this matter. To pay the merchant. Which I have a claim filed against me from this merchant when in fact the credit was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Re : Dispute of Fraudulent Credit Card To Whom It May Concern : WFBNA Card-Fraud Dept I am writing to dispute the following credit card account that I previously informed your company about. Instead of closed the whole fraudulent account, your company updated the card number, however the entire account is fraudulent. After carefully reviewing the information provided to me from the credit bureau ( s ), I have identified the account ( s ) listed below is fraudulent and does not below to me. Creditor/Collection Agency Name : WFBNA Card Date Opened : XXXX Original Account Number : XXXX New Account Number : XXXX Credit Limit Amount : {$5000.00}. Outstanding Fraudulent Balance : {$5900.00} Account Number Showing On Credit Bureaus : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverified. I request that you conduct a thorough investigation of the above account ( XXXX ) and provide me with evidence that substantiates the validity and accuracy of the information being reported. If the reporting party can not verify the account with proper documentation, it must be deleted from your companys database and no further actions should follow. Also, the letter has limited information of the nature or type of account that you are attempting to collect on. It stays XXXX but does not disclose what type of account with XXXX. Please provide me with the results of your investigation, and a written letter showing this account to be deleted from your office and no further communication from your company and a CEASE AND DESIST TO COLLECT REQUEST. within the XXXX period required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
The Transactions where made between XX/XX/XXXX and the XXXX. There are about XXXX transactions all with the amounts between $ XXXX. My phone and wallet were both stolen they were reported stolen and a police report was filed. cash app reimbursed me for 3 but there is 16 more transactions they dont want to approved there the same date and with same information that the ones the already approved. There is a total about XXXX in the amount of this transactions. The name of the merchant is XXXX XXXX and XXXX XXXX XXXX. This accounts are not under my name neither i allowed anyone to use my card. My personal belongings were stolen for a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Summary of the Problem ( CFPB Submission ) Experian is knowingly reporting a false collection account from XXXX XXXX XXXX XXXX that was added to my credit report on XX/XX/year>. This account does not belong to me, matches a completely different person, and has been disputed multiple times. Despite this, Experian continues to claim the account was verified without providing any documentation, proof, or a lawful reinvestigation. Experian is violating FCRA 607 ( b ) by reporting information they know is inaccurate, FCRA 611 ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation, and FCRA 611 ( a ) ( 5 ) ( A ) by refusing to delete information that is clearly unverifiable. Experian has allowed Jefferson Capital Systems LLC to damage my credit repeatedly, and I am requesting immediate deletion of this account and any other account from the same furnisher, as Experian has demonstrated they can not ensure accuracy regarding this company.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, On Friday, XX/XX/XXXX my Chase debit card was charged three times for an amount of {$190.00}. My Chase spanking account showed three charges in a row one after each other at a XXXX in XXXX Illinois. The charges listed XXXX XXXX XXXX, IL XX/XX/XXXX. I disputed these charges with Chase as fraud. I also canceled the current debit card that was used and requested a replacement debit card. I deleted the debit card from my XXXX wallet as well. In hopes of further protection for my banking cards.As they investigated the charges chase reimburse the money back into my account. Today, XX/XX/XXXX XXXX revoked the money again from my account in results of the fraud claim being denied. I have requested receipts from XXXX for this purchase. Chase claimed that because the purchases were made under an XXXX wallet transaction, the claim was denied. BUT fraud can be committed by stealing card information and applying that card to a new persons XXXX wallet, which I believe is what happens. I do not even shop or support XXXX. XXXX identical transactions in a row are suspicious and seemed to be a valid form of fraud. I further contacted XXXX to get more information. I am awaiting receipt via mail from this transaction. This was not my doing and I need further investigation appealing this denied fraud claim. I am entitled to the money back stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am disputing this alleged debt and have requested validation under the fair debt collection practices avt ( 15 U.S.C 1692g ) the company has not provided sufficient validation including original creditor documentation, chain od title, or proof of authority to collect. I requested that collection activity cease and the account be fully investigated and removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MD

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 2026-03-26 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: TX

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery related to alleged liability for property damage from a prior apartment- XXXX XXXX XXXX XXXX XXXX. I am not legally responsible for this debt. The charge arises from damage caused during a documented XXXX XXXX incident. I was the XXXX and did not cause the damage. The damage resulted from a XXXX XXXX XXXX XXXX and not from any act of tenant negligence. Law enforcement responded at the time, and a police report was generated identifying the responsible individual. A lifetime XXXX XXXX has since been issued against that individual. This was not unpaid rent or lease balance. My lease was paid in full and on time. The only charge being reported relates to alleged damage caused by a criminal act. The only documentation ever provided is a move-out statement listing 'Front door damages '' in the amount of {$1800.00}. No invoice, repair receipt, or itemization has ever been provided to support the amount or establish my legal responsibility. Additionally, the move-out statement reflects a total balance of {$2000.00} while the amount being reported to credit bureaus is {$2000.00}. This discrepancy raises further concerns regarding the accuracy of the reporting. I never received any written notice, validation notice, or legitimate itemized bill from the collection agency before this account was reported to the credit bureaus. I previously notified the property in writing regarding the XXXX XXXX incident and disputed the charge. Despite being made aware of the circumstances, the charge was still pursued and ultimately sent to collections. Reporting this account as my financial obligation is inaccurate and improperly attributes liability to a victim of domestic XXXX for damage caused by a criminal act. Police reports, protective order and copies of letters sent to XXXX are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
My American Express XXXX co-branded credit card has been suspended for approximately XXXX month with no explanation or resolution. I XXXX discovered the suspension in late XX/XX/year> XXXX have made XXXX phone calls to AMEX- on XX/XX/year>, XX/XX/year>, XXXX XX/XX/year> - as well as sent emails. Each time, I was told the account is " under review '' XXXX that someone would get back XXXX me. No one has ever followed up with any substantive information. AMEX has not told me why the account was suspended, has not requested any documentation from me, has not provided a timeline for resolution, XXXX has not given me any steps I can take XXXX resolve the issue. During this time I have been completely unable XXXX use my card for purchases XXXX have lost access XXXX all account benefits XXXX rewards. I am concerned this may also be affecting my credit report. The lack of communication XXXX indefinite suspension without explanation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
They were told in XXXX XXXX was told they could not contact my place of employment XXXX they agreed XXXX remove them XXXX never contact me at my place of employment again. Instead, XXXX started using threatening XXXX bullying tactics XXXX try and scare me into what he wants me XXXX do. I have filed complaint after complaint on XXXX with no reprimand done. Today, XX/XX/XXXX, he contacted my place of employment knowing they are not allowed XXXX! All of the voicemails attached are ALL FROM XXXX whom Ive made very clear I will NOT speak XXXX him because hes rude XXXX yells at customers XXXX is a bully who harasses customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I have been charged a lot of overdrafts XXXX that makes my account being negative most of the time.only this month ( XXXX ) it has been XXXX times XXXX each is {$32.00}. In XX/XX/XXXX overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 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 SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment that was reported XXXX my Nordstrom card account owned by TD bank. At the time of the alleged missed payment ( XX/XX/year> ), my online account had been marked as inactive, which prevented me from accessing my account information XXXX monitoring any balances due. Additionally, I did not receive any forms of communication stating that there was a balance due. On top of that I have auto payment on XXXX do not use this card. Because of all this, I was not aware any payment was due until it was submitted XXXX the credit bureaus at which time I immediately paid by phone since I still could not access my online account. They let me know that when they switched over XXXX TD bank some auto payments XXXX accounts went inactive. I have had this card for XXXX years XXXX have never missed a payment XXXX given these circumstances, I request the removal of the late payment from my credit report. The reporting of this late payment does not accurately reflect my willingness or ability XXXX pay. I ask that this be investigated thoroughly XXXX that the negative reporting be corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I reported my American Express credit card as stolen XXXX/or compromised XXXX instructed the company, on no fewer than XXXX separate occasions, that all transactions were unauthorized XXXX that the account was XXXX be immediately frozen with all activity blocked, including recurring charges. American Express confirmed in writing that fraud protections were in place XXXX that no further transactions would be authorized. Despite this, American Express continued XXXX authorize XXXX process transactions, including approximately {$1000.00} in charges after the account had been frozen XXXX after I had been explicitly told that all activity was blocked. These transactions include, but are not limited to, XXXX XXXX XXXX Charging, XXXX, and a charge identified as Corporate Filings in the amount of approximately {$620.00}. After these unauthorized transactions were identified XXXX disputed, American Express failed XXXX take appropriate corrective action. Instead, the company claimed that there were XXXX active cards on the account, which directly contradicts prior representations that the account was restricted XXXX secured. This confirms that American Express failed XXXX properly secure the account after receiving actual notice of fraud. In addition, American Express has refused XXXX properly process fraud claims despite repeated notice XXXX supporting documentation. Representatives have failed XXXX escalate the matter appropriately XXXX have declined XXXX treat these transactions as fraud, even though the company had actual knowledge that the account was compromised XXXX that no transactions were authorized. At the time these charges were authorized, American Express had clear and repeated notice of fraud XXXX explicit instructions XXXX block all transactions. The continued authorization of charges under these circumstances demonstrates a failure XXXX follow required fraud prevention procedures XXXX a failure XXXX comply with federal consumer protection obligations. I am requesting the following : Immediate reversal of all unauthorized charges Removal of all related fees, interest, XXXX penalties Written confirmation that I bear XXXX liability for these transactions Confirmation that no adverse credit reporting has occurred, or immediate correction if it has Written confirmation that the account has been fully secured XXXX that no further unauthorized transactions can occur This matter has also been escalated directly XXXX American Express XXXX leadership XXXX legal counsel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage loan was originally serviced by Mr. Cooper XXXX was later acquired by Rocket Mortgage. Since the transfer, Rocket Mortgage has engaged in practices that I believe violate fair servicing standards XXXX consumer protection laws. Specifically, their online payment portal has XXXX my ability XXXX make a payment directly toward my principal balance. The principal-only payment option is greyed out unless I pay an additional {$150.00} corporate fee. When I contacted customer service for clarification, I was told this fee was connected to an appraisal performed while my loan was still serviced by XXXX XXXX in early 2025. This explanation is inaccurate and misleading. That appraisal ( actually a comparative market analysis or XXXX ) was completed months before Rocket Mortgage acquired my loan, XXXX the {$120.00} fee was paid directly XXXX the independent realtor who performed the service. Rocket Mortgage has no legitimate basis XXXX charge or collect this fee. As a result, Rocket Mortgage is effectively blocking me from making direct payments toward my loan principal without paying a fee I do not owe. This practice : Restricts my right XXXX apply payments XXXX the principal balance, Increases the total interest paid over the life of the loan, and Creates a barrier XXXX reducing my debt in a timely manner. I believe these actions constitute an unfair, deceptive, XXXX abusive act or practice ( UDAAP ) under XXXX XXXX. XXXX, as well as a violation of Regulation XXXX requirements regarding proper application of payments. Rocket Mortgages conduct appears designed to extract unwarranted fees XXXX financial benefit XXXX the detriment of the borrower.

Company response to consumer: Closed with explanation