vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I am formally disputing an account that is being reported and collected without proper legal validation. I refuse to pay this alleged debt and have requested that all collection activity, including credit reporting, cease until the account is fully verified. 

I am an XXXX  military service member, and this account is preventing my family from securing housing. The continued reporting of this account without proper investigation is causing serious financial and personal hardship. 

I submitted a detailed written request for full original account-level documentation, including proof of ownership, a complete chain of assignment, certified bills of sale, original account agreements, full transaction history, and the identity of a person with personal knowledge of the account. To date, this information has not been properly provided. 

The furnisher/debt collector is continuing to report this account without conducting a reasonable investigation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). They have also failed to properly validate the debt and are using deceptive and misleading practices in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692e ( 10 ) ). 

I requested a complete investigation within 30 days

as required under 15 U.S.C. 1681i ( a ) ( 1 ) and asked for confirmation that the debt is legally collectible and not time-barred under 15 U.S.C. 1692e ( 5 ). No lawful validation has been provided. I am requesting CFPB assistance to require the company to : Conduct a
proper investigation, Provide all legally required original account documentation, and Immediately remove this account from my credit reports if it can not be fully verified.

Continued reporting without validation is unlawful and is directly harming my ability to obtain housing for my family while serving in the military.

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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial
State: CA

Complaint narrative:
XXXX called and said I owed a specific amount of money which was a very high amount. I obviously have no idea what XXXX and I asked for specific information identifying myself. They could not provide my signature. I have a police report as well as this one. I Would like this to be cleared up immediately if possible. 
Thank you Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have summited a fraud claim with the bank three times but keeps denying the claim. I made my own investigation calling the supposed merchant that the charges were supposedly made from but and they did not find any records of purchases or services made on my name or phone numbers emails or address. also My name on my identifications is Different from the one used for this account. It was never aware if this account until I checked my credit score and noticed a delinquent account and Started investigating about the account. Also the purchases were supposedly made in my state but far from my hometown.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was just struggling through trying to organize my bank information into folders and noticed that I no longer had the statements that were accurate from Chase in XX/XX/XXXX XX/XX/XXXX range. What I had was something different without my Social Security deposits listed. Theyre all making it all up. My next Bank change was in XX/XX/XXXX, which was XXXX XXXX. They dont have any deposit going in there till XXXX. Theyre all making it up. This is how my money is disappearing. Between the time XXXX  XXXX had one of my childrens last deposits which is missing and XXXX had it. Chase wouldnt have had any deposits at all for about four months from Social Security. You cant tell it by looking at their statements though. Theyre making it all up for me. I had to get back on your website just to get the accurate ones again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I logged into my M & T Bank account and noticed XXXX charges on my account that I did not make of {$8.00} for XXXX XXXXXXXX, {$190.00} for XXXX XXXX XXXX, and {$190.00} for XXXX XXXX XXXX. I called and informed the bank on XX/XX/year> that I did not make these purchases and requested a fraud dispute be opened. They opened a fraud dispute on XX/XX/year>. On XX/XX/year> I received a letter from the bank stating that my fraud dispute was denied and that they would be reversing my provisional credit of {$400.00} on XX/XX/year> from my account. I called the bank on XX/XX/year> and asked what could be done about this as I did not make these charges. They informed me to file a police report & fax it over & that my account dispute would be re-opened. I completed a police report on XX/XX/year> & brought it to my local branch for them to fax it over for my dispute to be reopened. I called on XX/XX/year> and was informed that my dispute could not be reopened due to the charges being made with a chip. I have had possession of my card at all times. No one else had access to my card and it was never outside of my possession. I did not give anyone else acces to use my card & I have never went to XXXXXXXX XXXX where these fraud purchases were made from. It states in the police report that the XXXX tried calling the phone number for the company 's listed on my fraud charges and they were not a functioning phone number & that the XXXX called & spoke with the XXXX Police XXXX and the XXXX informed him that he is not familiar with the businesses listed on my fraud dispute. The bank is still saying that there is nothing they can do about this & can not re-open my fraud case since it was made with a chip transaction. I don't know how chip transactions can be made without having the physical card that was always in my possession at all times. I am requesting a full refund of {$400.00} that was deducted from my checking account on XX/XX/year> for fraudulent charges that I did not make and did not allow anyone else to make these purchases.

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 monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Comenity Bank continues to say that each time they try to do Debit or ACH withdrawals from my XXXX XXXX XXXX  account they are saying that it gets returned. Upon checking with XXXX XXXX they can not even see where Commenity Bank has attempted an ACH. I have been going over and over with this for months. This in turn has a negative effect on my Credit score. I explained to Comenity Bank that no other bank gives me this problem. I see now that they have changed their name to Bread Financial. I would like the late fee eliminated and my credit score not to be affected. I would also like to speak with someone in management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX XXXXXXXX - XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2026-01-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several accounts and inquiries listed on my credit report as provided by the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). The details of the accounts and inquiries are listed below, and I believe there are errors that need to be corrected. 

Charged Off Accounts : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I called Bridgecrest main number to make a principal payment on my loan as well as a monthly payment. When you call the number a robot answers and gives you two options one to make a payment and two for any other questions, if you click option one at no point does the robot ask what kind of payment you would like to make instead it assumes youre making a regular payment with interest. If you click option two, it takes you to a physical representative but at no point does that physical representative inform you about making principal payments, they assume that youre making an interest payment. in order to make a payment to the principal balance of your loan, you must tell the physical person on the phone that youd like to make that transaction and then clarify again that it is a principal only payment only after this entire process will the representative admit that you can make a principal payment. once you have made the principal payment the representative tells you to call back the next day to ensure that the extra amount you have paid on your balance goes towards principal, in other words a massive company is incapable of adding a footnote below a payment about the type of payment. On the Bridgecrest app and website you can only make one type of payment, which is the interest payment. I believe this is predatory activity purposefully practiced for financial gain. Excuse my writing skills, I was homeschooled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a letter from our house mortgage about a cash loan do not know nothing plus charge cards and I score omg its really went down

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
In XXXX of XXXX  I closed all 3 of my accounts with CHASE bank due to them constantly holding my money hostage. I then opened a new checking and savings account after they sent me a XXXX offer to do so. Months after opening the new account I paid on CHASE web bill two of thier credit card only to recieve two letters in the mail stating that they were lowering both credit cards available credit do to non payment because they kept all of my biller on file attached to my closed account. This resulted in my excellent credit score going down by well over XXXX points. I then had to spend almost 2 hours on the phone getting them to fix the issue that should have been automaticly done. When I originally called to ask about the letters I was told the only way to fix this was for them to do a hard credit check which I denied because this would have resulted in further damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for abusive collection practices, inaccurate billing, and violations of federal consumer-protection standards. XXXX is falsely claiming that I owe a balance for internet equipment that was returned on time and in full. In addition to reporting an invalid debt, a XXXX representative used abusive and threatening language toward me over the phone, which is unacceptable and unlawful. 

1. Background I previously had XXXX internet service at my former residence. Upon moving, I returned all required equipment on time and in accordance with XXXX return instructions. I received confirmation at the XXXX store that the equipment was accepted and that my account would be closed with no further balance owed. 

Despite this, XXXX later claimed that I owed a balance related to unreturned equipment. This bill is inaccurate and unsupported. No evidence has been provided, and the equipment was returned properly. 

2. Abusive and Threatening Conduct by XXXX Representative During a recent phone call to resolve the issue, a XXXX  representative engaged in behavior that was : verbally abusive, used vulgar language, and made direct threats toward me. 

Specifically, the representative stated that if I did not pay the disputed balance, they would : cut off my phone service, and take me to small claims court. 

This conduct is unprofessional, coercive, and violates consumer-protection standards around harassment and abuse in debt collection. 

3. Violations Alleged XXXX  actions appear to violate multiple consumer-protection provisions, including : Attempting to collect a debt not owed Failure to maintain accurate account records Harassing, abusive, or coercive conduct in collection efforts Threatening legal action that is not intended or not permissible Failure to provide validation of the alleged debt upon request In addition, XXXX appears to be attempting to coerce payment through intimidation rather than following proper billing or dispute-resolution procedures. 

4. Harm Suffered Their actions have caused : unnecessary financial stress, emotional distress due to harassment, time spent correcting a problem that should not exist, and concern that this invalid debt may be reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
An unauthorized charge popped up on bank account on Tuesday XX/XX/XXXX for the transaction : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I called XXXX XXXX XXXX XXXX  XXXX Zions XXXX ) immediately and they stated the charge came from my debit card which was only utilized a few times. 

The next day I called XXXX XXXX XXXX XXXX XXXX Zions XXXX ) on Wednesday XX/XX/XXXX, and requested provisional credit and provided a police report. The bank proceeded to let me know that Wednesday morning an attempt of withdrawing a large amount of money was made at an ATM in XXXX, Texas. Then another attempt was made via online through gobanking. Both transactions were rejected since the bank canceled the debit card. 

XXXX XXXX XXXX XXXX XXXX Zions XXXX ) has been unresponsive in providing any additional details of the investigation. As of Friday, XX/XX/XXXX, I have not received a provisional credit authorized under Regulation E. Nor have my questions or follow ups regarding the situation has been resolved.

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