vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported by XXXX XXXX on my consumer credit report. 

XXXX XXXX is reporting XXXX accounts under the name XXXX, which is not my legal name. My correct name is XXXX XXXX. I have never opened, authorized, or used these accounts, and I do not recognize them in any capacity. 

Despite the incorrect name and the fact that these accounts are not mine, XXXX XXXX sold the alleged accounts to a collection agency, and they are now appearing on my credit report. This inaccurate reporting is causing significant harm, including preventing me from opening a legitimate account with XXXX XXXX and negatively impacting my creditworthiness. 

I believe this reporting is the result of identity error, mixed file, or inaccurate record-keeping, and it violates my rights under the Fair Credit Reporting Act ( FCRA ), including the requirement to ensure maximum possible accuracy of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
I conditionally consented to a credit inquiry in connection with a mortgage application. The loan officer, XXXX XXXX, informed me that my credit had not been run. Relying on that representation, I revoked my consent. Despite this, a hard credit inquiry later appeared on my credit report. I disputed the inquiry directly with Better Mortgage and requested documentation establishing permissible purpose at the time of the inquiry, including the timing of the inquiry and any recording or written authorization. The manager handling the dispute, XXXX XXXX, set a deadline to respond and failed to meet it, and no documentation has been produced. I am requesting removal of the inquiry unless the company can provide contemporaneous documentation establishing permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Up Dating An File Case # XXXX Case Currently Under Investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> A family member sent me XXXX dollars on cash app around XXXX. An hour later at XXXX an unknown person using a device that I have never used and was not in my possession was able to log into my cash app account steal the XXXX dollars transferring from my account to theirs as well as change the pin number on my account along with the email address and order a new card. I reported this in the app along with filing a complaint for a refund. Cash app denied the request for a refund. I filed an appeal attaching the police report number to the appeal and they still refuse to give back my money.I have spoke. To them XXXX  times about this issue. I will never use cash app again. I will continue to call them daily until I am given a fair solution to this problem. Which would be my money back. Security measures for this app and business is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I've been working with cash app to obtain access to my old account or to make a new account. Neither works. Cash app won't respond to any of my support requests. I am unable to make an account with the email XXXX or the phone number XXXX. 

I've submitted and everything. It was accepted. I would like to reopen my account XXXX XXXXXXXX. 

It has been happened before. Please reopen my account or allow my phone number or email access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: MI

Complaint narrative:
Is XXXX I started the loan modification process and on XX/XX/XXXX I was told they had everything and if they needed something else they would call I checked on XX/XX/XXXX and was told that they needed my enpoment start date and I hade to provide that by the following Thursday when I called back on th first I was told I had to resomit the mma for a XXXX  time then when I called on the second I was told there was nothing they could do there was a sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting, improper re-aging, and misleading communications by Bridgecrest related to a vehicle repossession account. 

This account was closed in XXXX following repossession. However, Bridgecrest has repeatedly and inaccurately reported the account as being closed in XXXX, which is false. This misrepresentation appears to be an attempt to re-age the account, causing it to remain on my credit report beyond the XXXX reporting limit permitted under the Fair Credit Reporting Act ( FCRA ). 

In addition to inaccurate credit reporting, Bridgecrest has repeatedly claimed that they attempted to contact me by phone, which is not true. I have no missed calls, voicemails, or call logs from Bridgecrest. These claims are often made in response to my written disputes. 

Bridgecrest has also engaged in misleading and unresponsive communication practices. When I contact them by email, I am frequently told that I will receive a response, yet no follow-up is provided. This lack of response has delayed resolution and obstructed my ability to correct inaccurate information. 

It is important to note that other credit reporting agencies have removed this account due to its age and inaccurate reporting. Bridgecrests continued reportingcombined with false closure dates and misleading communicationdemonstrates a failure to ensure maximum possible accuracy and fair handling of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accscient, LLC
State: GA

Complaint narrative:
My credit report shows a collection account from the company XXXX XXXX XXXX. I have never received any mail or communication from this company regarding any alleged debt. 

According to the FTC ( Federal Trade Commission ), it is illegal to debt park which is placing collections on consumer accounts without notifying them first. XXXX XXXX XXXX has not sent anything regarding this alleged debt but has placed this collection account on my credit profile. 

This is impacting my credit and my livelihood.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this statement to formally report an unauthorized electronic funds transfer and fraud involving my Chase Business Bank account. 

On XX/XX/XXXX, an unauthorized XXXX transaction was initiated from my Chase account without my knowledge, consent, or authorization. I did not initiate, approve, or receive any notification regarding this transfer of {$1000.00}. 

Transaction details are as follows : Platform used : XXXX Recipient name : XXXX XXXX XXXX Recipient phone number : XXXX The XXXX transfer was executed using my registered email address and my cell phone number ; however, I did not perform or approve this action. At no time did I share my online banking credentials, XXXX access, verification codes, or authorize any third party to act on my behalf. 

Upon discovering the unauthorized transaction, I immediately reported the fraud to Chase Bank. Chase informed me that they were unable to determine how the transaction occurred. The only corrective action taken by the bank was to change my online banking user ID and password. 

Due to the unauthorized nature of the transaction and concerns about additional losses, I withdrew the remaining funds from my account on the same day to prevent further unauthorized activity. 

This incident constitutes an unauthorized electronic funds transfer and financial fraud. 

Additional information obtained during my review suggests that the phone number involved may be associated with an individual identified as XXXX XXXX. Records reviewed indicate a Social Security number ending in XXXX linked to this individual. There are also references suggesting possible tax-related issues involving the Internal Revenue Service ( IRS ). Based on available tax-related records, the individuals year of birth is listed as XXXX, with a ZIP code associated with filings listed as XXXX ( XXXX, Washington ) XXXX 

This information is provided solely for the purpose of law enforcement review, verification, and investigation. I am reporting these details due to concerns connected to fraudulent and unauthorized financial activity. 

I certify that the information provided above is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am filing a complaint regarding XXXX failure to resolve a transfer issue involving my account. 

On XX/XX/year>, I sent {$190.00} from my Venmo account ( @ XXXX XXXX XXXX another XXXX  account. The funds were sent from my XXXX XXXX  account ending in XXXX. 

The receiving XXXX  account was frozen/disabled. I contacted XXXX  to request resolution and return of the funds. 

XXXX  repeatedly refused to address my complaint, citing privacy policy and instructing me to have the other user contact them. The other user, XXXX XXXX, complied and contacted XXXX  from her registered account on XX/XX/year>, referencing the same request ( # XXXX ) and providing full transaction details ( Transaction ID XXXX ). 

Despite receiving verification from both parties and all required transaction information, XXXX  has failed to resolve the issue or return the funds. XXXX  has not provided a clear explanation of the status of the transfer, whether an investigation was completed, or why the funds have not been returned. 

I am requesting that XXXX  provide a written explanation of their handling of this transfer and return the {$190.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
PREDATORY COLLECTION, ILLEGAL INTEREST & LACK OF VALIDATION NOTICE I am filing this formal complaint against IQ Data International regarding a collection account for a rental debt. This agency is engaging in predatory practices by accruing unauthorized interest, furnishing false data, and failing to provide mandatory validation notices. 

XXXX. ILLEGAL BALANCE INFLATION & FAILURE TO NOTIFY ( FDCPA VIOLATIONS ) : The agency is reporting a balance of {$3400.00}, which exceeds the original creditor amount of {$2400.00} by nearly {$1000.00}. 

Lack of Notice : The agency NEVER contacted me to explain this {$980.00} surcharge or provide an accounting of these fees. They simply placed this inflated debt on my credit report without sending the initial validation notice required by 15 U.S. Code 1692g. 

Illegal Interest : My XXXX  report proves the balance is increasing monthly ( e.g., {$3300.00} in XXXX to {$3400.00} in XX/XX/year> ). The agency has failed to produce the lease agreement authorizing recurring monthly interest. Without this proof, this accrual is federal fraud. 

XXXX. FALSE CERTIFICATION ( FCRA VIOLATION ) : On XX/XX/year>, the agency updated my XXXX  file with the remark : " Account information disputed by consumer, meets FCRA requirements. '' THIS IS FALSE. Simultaneously, on my XXXX report, the mandatory XXXX XXXX field " Date of XXXX Delinquency '' is reported as BLANK/MISSING. It is legally impossible for an account to " meet FCRA requirements '' when it lacks the mandatory baseline date needed to calculate the Statute of Limitations. 

XXXX. WILLFUL NON-COMPLIANCE BY BUREAUS & FURNISHER : I previously disputed this account. Both the bureaus and IQ Data " verified '' the debt as accurate without ever providing the contract or explaining the illegal balance increase. By verifying an account that lacks a DOFD and includes unauthorized hidden fees, they have willfully violated their duty to investigate. 

RESOLUTION : I demand the IMMEDIATE DELETION of this trade line from all credit bureaus due to unauthorized balance inflation, failure to notify/validate, and technical non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
A collection account was placed on my XXXX  report in the amount of {$730.00} and this account is not mine. Its fraudulently obtained. Im a victim of the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
yes XXXX  XXXX and their debt collectors continue to harass me I have told them to stop calling me they have used over XXXX different numbers to call me from its getting the point Im about to say XXXX it pardon my XXXX  I understand I have a debt of XXXX I have tried to pay but other important bills have gotten in the way and with my injures I have sustained over the last year and a half my injures have kept me from trying to get a job I have tried to apply for one I have tried to pay off my debt but I do t want to end up in XXXX XXXX where I have to get rid of my cats I have to take care of this needs to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I disputed the accuracy and legal compliance of credit accounts reported by XXXX XXXX XXXX, Midland Credit Management, and the credit reporting agencies XXXX, XXXX, and XXXX. 

After the accounts were marked as verified, I requested a detailed Method of Verification under the Fair Credit Reporting Act, including who verified the information, how it was verified, what documents were relied upon, confirmation of the Date of XXXX  Delinquency, and proof of reporting authority and ownership. 

The companies did not provide this information. The accounts continue to be reported in a misleading manner, including a debt buyer reporting an account as open and past due and charged-off accounts continuing to be updated with refreshed reporting dates. 

I attempted to resolve this directly through disputes and information requests. Because the inaccurate reporting continues, I am requesting CFPB investigation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am submitting this complaint against the U.S. Department of Education and its servicer, Aidvantage, regarding the reporting of late-payment information on my student loan account in XXXX. Aidvantage is reporting late-payment activity for the period of XX/XX/year> through XX/XX/year>. However, the reported late-payment status does not clearly align with my internal payment history, account balance, or the overall account status during the same timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
I have suddenly been denied my funds AFTER I filed a complaint here and posted on their XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Chime Financial Inc
State: CA

Complaint narrative:
On or around XXXX XXXX, a Chime Credit Builder card arrived at my personal residential address in XXXX XXXX XXXX XXXX XXXX with XXXX legal authorization or prior consent. completely unauthorized. I called Chime XX/XX/XXXX. Agent XXXX, ( reference # XXXX ) refused to file fraud report, or any report, said return to sender, ( doesnt fix identity fraud ) gave me reference number ( chime Agent XXXX # XXXX, ) and hung up after I tried to explain that CA XXXX XXXX XXXX, identity misuse, ( which includes address ) - covers this & that this was intentional misuse. 
XXXX XXXX briefly stayed here. He had gotten no legal consent or pre-authorization to use my address for any banking or financial mail or as proof of address for any account. 
XXXX report XXXX filed on XXXX XXXX XXXX pm. 
I want XXXX entire Chime account frozen and closed immediately. Confirm in writing. On top of the Chime card, XXXX XXXX XXXX illegally and knowingly tied my address to a fraudulent Florida XXXX filed under penalty of perjury. Its all in the XXXX report. This is a pattern. Not an accident. XXXX be filing a separate report for the XXXX card, but this isnt XXXX mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
An account was opened in my name. XXXX XXXX Bank of America concluded that the account was fraudulent and I was not the person responsible for opening the account, in which I have the paperwork for.

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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I am submitting this formal complaint regarding an alleged XXXX telecommunications debt in the amount of {$1300.00} that is being reported on my consumer credit report. I dispute this debt as inaccurate, unverified, and not supported by proper XXXX XXXX account appears on my credit report despite my prior disputes submitted to [ XXXX XXXX XXXX XXXX ] XXXX Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of reported information. To date, this alleged XXXX debt continues to be reported without correction, deletion, or proof of a lawful reinvestigation.I have not been provided with any documentation demonstrating that XXXX has verified the alleged obligation, including a signed service agreement, billing statements, or evidence establishing that I am legally responsible for the {$1300.00} balance.The continued reporting of this disputed XXXX telecommunications debt has caused harm to my creditworthiness and financial standing. Reporting unverified or inaccurate debt violates the FCRA and undermines the accuracy and integrity of my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
An account was open without my knowledge and its stopping me from opening an account and also they have me in check system.

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