vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: T.S. Holdings
State: CA

Complaint narrative:
I respectfully request that the Consumer Financial Protection Bureau investigate a matter involving a debt collection company called IQ Data International. This company is reporting a collection account to all of the credit bureaus under both my name and my fathers name for an alleged apartment debt that we do not owe. The company contacted my father unexpectedly and demanded his credit card information and payment for this supposed debt. When he told them he did not recognize the debt and requested a verification letter, they refused to provide one. During the call, the representatives were aggressive, made threats toward us, and eventually hung up after a prolonged and hostile conversation. This behavior was extremely concerning. Despite their refusal, my father sent a certified letter requesting written verification of the alleged debt. To date, we have not received any proper documentation proving that this debt is valid. We believe the reporting of this account to the every credit bureaus is inaccurate and damaging to our credit. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require IQ Data International to cease reporting this alleged debt and remove all of this inaccurate false collection accounts from our all credit reports. We do not owe this debt, and we believe our consumer rights may be being violated. We are also submitting complaints to the California Department of Justice and the Federal Trade Commission regarding this situation. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Examine the shared materials carefully ; the questions came in unannounced and could be unauthorized.

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ubject : Formal Complaint Fraud, Improper Credit Reporting, and Account Closure To Whom It May Concern, I am submitting this complaint regarding Wells Fargos handling of a credit card fraud case, the resulting damage to my credit profile, and the subsequent closure of my account. This matter involves unauthorized charges totaling approximately {$19000.00} resulting from an impersonation scam in which I believed I was communicating with XXXX XXXX. I reported the fraudulent activity immediately while the transactions were pending. Despite my prompt action, multiple identical charges were processed, my credit was negatively impacted due to reporting of disputed balances, and my account was ultimately closed. I am requesting a full review of this matter, including the handling of the fraud report, the approval of charges exceeding my credit limit, and the reporting of disputed transactions to credit bureaus. A detailed statement, timeline,

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANK
State: TN

Complaint narrative:
On XX/XX/XXXX Cadence Bank allowed an attorney to draft {$2800.00} from my account. The claim was outdated and invalid. There is no way that Cadence Bank should have allowed this to happen. The request was from XXXX and approved in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I've been contacting Chase Bank about honoring a bill of exchange and setting up a private trust account with etiquette banking laws based on my trust agreement and the original banking laws and proper ledgering giving me principal interest back there was some confusion in the beginning until I received a call from a young lady named XXXX at the executive office we had a conversation about the account that I tried to set up I explained to her I did not want the account unless they were going to honor the bill exchange I constantly kept asking are they going to honor the bill of exchange this young ladies exact words were there is no reason why they should not be able to honor this bill of exchange and if I have any issues getting it honored contact her and to go ahead and go back in the location near me and set up the account which I did. I've always recently signed my paperwork without recourse, All rights Reserved, & UCC 1-308 which I did sign all my documents that way at first I received a call saying I need to resign paperwork a different way they can not process the account with those types of wording on it still under the impression they're going to honor this bill of Exchange so I went ahead and signed the way they requested after doing that I get a call again from the executive office from a different young lady stating all of a sudden that they're not going to be able to honor this agreement it was misled, representation, deceitfulness, and dishonor of what was agreed upon I specifically was in full effect of letting these people know I did not want the account unless they were going to honor the bill of exchange if they knew they were not going to honor the bill of exchange why would they have me go back to open the accounts knowing they were not going to honor this bill of exchange just to get me to sign the paperwork to use my signature I am waiting in the mail for a letter explaining of why they're not honoring the bill Exchange now as well as other documents copies of forms I signed with them I want this investigated because this was in full deception I want all of the paperwork and all signatures Retrieved from this company and them to honor the bill of exchange as I was informed they would. I did request that the accounts be closed since they will not honor in the bill of exchange and the young lady knew that was the only way I was willing to open the account I specifically Expressed that

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: Radius Global Solutions LLC
State: GA

Complaint narrative:
I made several phones calls to this company and the only information they would provide was that they no longer have it. I ask if I could get something in writing I was informed that they couldnt do that because they dont have it. I had the phone calls between the first two weeks of XX/XX/year>. The report on my account was {$300.00}. I also had another company reporting the same amount however they had theirs 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 non-monetary relief
Consumer complaint received 2026-03-26 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: Credit Karma, LLC
State: UT

Complaint narrative:
I am reporting unauthorized debit card fraud involving multiple transactions labeled XXXX XXXX. There are XXXX charges of {$25.00} and XXXX charge of {$35.00}, plus an attempted {$50.00} charge that was blocked. These were not authorized by me. I have canceled my card and attempted to file disputes, but the provider ( Credit Karma XXXX XXXX XXXX XXXX ) only allows partial disputes and does not provide access to a human representative. I am unable to submit a full fraud claim, which is preventing me from exercising my rights under Regulation E. This is a pattern of fraudulent transactions and should be treated as a single fraud case, not individual disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
Rauch sturm is attempting to garnish my wages when I have provided proof over XXXX times they can not garnish me. They have answered my XXXX complaint and I've spoken with reps who keep assuring me it will be stopped, however they refuse to contact my employer. I am not going to stop. They need to cancel the garnishment immediately. I receive medicaid and food stamps and cant legally be garnished in Wisconsin. They have been provoded proof.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CADENCE BANK
State: MS

Complaint narrative:
We have maintained our mortgage with Cadence Bank for over twenty years, which is why this situation has been especially frustrating and concerning. In 2024, Cadence failed to pay the required flood insurance premiums from our escrow account and did not notify us that the policy was at risk of lapsing. At the same time, we were dealing with a separate issue where the bank placed a force-placed hazard insurance policy on our account, even though we have consistently maintained a valid homeowners insurance policy with the same agent and carrier. These premiums were also paid through escrow, so the bank should have had visibility into our coverage. As a result of these issues, our flood insurance policy lapsed. When we attempted to reinstate coverage, we were unable to obtain anything comparable at a similar rate. This has led to significantly higher premiums and continues to impact us financially.

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 with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
I bank with XXXX XXXX XXXX and the merchant XXXX XXXX XXXX Which can not be contacted at all and has several law suites against them for multiple reasons including unauthorized use of credit cards or better yet Credit Card Fraud and they have also stole money from my account prior to this happening and I asked My bank to block this merchant from accessing my funds and they assured me that they would never be able to access my account again but on XX/XX/year> during the hours of XXXX and XXXXXXXX XXXX had made 32 transactions on my account adding up to almost {$1400.00}. I woke up in a panic and contacted Chime immediately to report fraud on my account and start a dispute but I was made to wait for these transactions to go out of pending so I did and contacted them the following evening once these transactions fully cleared from my account and submitted the dispute with proof of a police report made and the documents about the law suites and I was denied all my disputes except for a couple of them adding up to {$52.00} so I wanted an explanation as to why they only approved a couple of these unauthorized transactions whe they all occurred on the same day at the same time. So I asked for supporting documents explaining their decision and appealed the decision and soon again i was denied again and still have know supporting documents from Chime yet.

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 — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On Tues, XX/XX/XXXX, PNC addressed my original complaint from 2 days prior and I received call from XXXX in Client Services. I was told to go into the PNC Branch in XXXX Fl, at XXXX, which I did, and withdrew XXXX. I was also told I could use current debit card, as THEY FOUND NO ISSUES OF FRAUD. However, when I attempted to use my card, it declined all transactions. My cell phone is getting cut off due to non payment, my car payment was returned, and utilities are being turned off as well. Im unable to get my medications and unable to take care of my daily needs of food and transportation to work. On Wednesday, XX/XX/XXXX, I drove another hour to PNC bank in XXXX Fl, in which I spent an hour with the Branch Manager as she stayed on hold with fraud dept, who claimed my account was " still under review ''. PNC has now DENIED ACCESS TO MY FUNDS AGAIN FOR NO REASON WHATSOEVER, and failing to give any reason for my account " being under review '', yet once again. This has caused irreparable damages to my physical and mental well being. In fact, not being able to get my medications can be life threatening. This is criminal and beyond words, UNNACCEPTABLE!! I NEED MY FUNDS IMMEDIATELY!

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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I am submitting this complaint regarding a denied fraud claim with Chase Bank for my credit card account ending in XXXX. Between approximately XX/XX/XXXX and XX/XX/XXXX, multiple transactions totaling about {$4400.00} were charged to my account. I did not authorize these transactions. I reported these charges to Chase and filed a fraud dispute. Chase conducted an investigation and later informed me in writing ( XX/XX/XXXX ) that they determined the transactions were valid and that I am responsible for the balance. I requested a review of this decision, and Chase again confirmed their denial and closed the case. These transactions were made through a device linked to my minor son. My son has XXXX XXXX and is not capable of independently authorizing or understanding financial transactions. He requires supervision for daily activities, including the use of electronic devices. I did not authorize these charges, and due to my sons condition, he could not have knowingly authorized them either. Based on the circumstances, I have reason to believe that a third party ( such as a caregiver or another individual with access to the device ) may have used the account without my knowledge or consent. Chases investigation appears to have relied solely on the fact that the transactions were made through a device associated with my account. However, they did not adequately consider the involvement of a vulnerable minor, lack of capacity to consent, or the possibility of unauthorized access by another individual. I also requested documentation of how Chase determined these transactions were authorized, including device data, XXXX XXXX authorization records, and verification methods used. I have not received sufficient detail explaining their conclusion. I am requesting that Chase : - Reopen and conduct a thorough investigation that considers the involvement of a minor with a XXXX - Evaluate the possibility of unauthorized third-party use - Provide detailed documentation supporting their determination - Remove or credit any transactions determined to be unauthorized This situation has caused significant financial stress, and I am requesting a fair and thorough review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
In claim XXXX I initiated on XX/XX/XXXX and was unable to pay my principal payment due to a block on my account. I was able to initiate the payment 30 days later on XX/XX/XXXX. I request that CMG backdate my principal payment to an effective date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I have reviewed the documents provided by Credit Acceptance. While documents were submitted, the response fails to properly validate the accuracy of the remaining balance being reported. Specifically : 1. The company has not provided proof of how the alleged deficiency balance was calculated following repossession of the vehicle 2. There is no documentation showing the sale of the vehicle, including sale price, date of sale, or whether the sale was conducted in a commercially reasonable manner 3. The account reflects multiple fees, interest charges, and adjustments that have not been clearly explained or itemized in a way that allows verification of accuracy 4. The balance being reported appears inflated and unsupported by a clear accounting breakdown Under applicable law, I am entitled to a full and accurate accounting of the debt. As a fair resolution, I am requesting : - Immediate deletion of this account due to inaccurate and unverifiable balance reporting OR - Full documentation of the repossession sale, including sale price, deficiency calculation, and complete accounting ledger If the company can not provide this information, the account must be removed from my credit report. This matter requires immediate correction

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I was scammed. I have a business on yelp and was contacted by a client for a job. Me and the person spoke about a time and date to to the service and they wanted to make a XXXX deposit. We used cash app, once I sent the cash app I got a email from cash app support saying i needed to expand my amount I can receive. I went through the steps I thought support was telling me. They had me send money from my account. One transaction for XXXX and another for XXXX all through cash app and my bank. They had me share my screen as they were support from cash app they made me believe it so well. Im a devastated and I really would like help. Please

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 — Deposits and withdrawals
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a formal complaint regarding Cash App for failing to resolve an issue involving a frozen account and withheld funds. My Cash App account has been frozen for approximately 6090 days with money still inside the account. Since the issue began, I have contacted Cash App support multiple times through their chat system and have consistently been told that my case is being escalated or reviewed by another team. Despite these repeated assurances, I have not received any meaningful updates, no clear explanation for the freeze, and no timeline for when the issue will be resolved. Throughout this process, my support chats have frequently been closed without resolution, and I have often been transferred between agents who repeat the same information without providing actual progress. In some instances, it appears that new cases were opened instead of continuing my original report, causing further delays. I have made multiple good-faith attempts to resolve this directly with Cash App over several months, but the issue remains unresolved. My account is still frozen, and my funds have not been released or returned. I am requesting that Cash App : 1. Provide a clear explanation for the account freeze 2. Complete their investigation promptly 3. Release or return my funds without further delay I have documented and saved all communications with Cash App, including case number XXXX, and can provide screenshots as evidence of the repeated delays and lack of resolution. This prolonged delay and lack of communication have caused significant frustration and concern, and I am requesting assistance in resolving this matter.

Company response to consumer: Closed with explanation