vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I was getting my son social Security deposit by Cash app card On XX/XX/XXXX, my Cash app card and my wallet was stolen out of my car and used at a ATM and I file a police report that day. I let Cash App know and I close my card and all my other cards that were in my wallet. I also filed several disputes of {$940.00} that was taken out my account and I was told that they were working on it and its been already over XXXX weeks and Cash App has not done anything about it and they denied my claim even though I had a police report stating that someone use my card without my permission and it was stolen out my vehicle so now I would like to make a complaint and also follow lawsuit against Cash App They are giving me a hard time to returning my funds. They asked for a police report I sent it to them and they said everything is taken care of now theyre saying my was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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 recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX -Date open XX/XX/XXXX {$1000.00} XXXX XXXX Date open XX/XX/XXXX - {$1500.00}, XXXX XXXX XXXXXXXX Open XXXX {$670.00}, XXXX XXXX XXXX Date XXXX XXXX {$1100.00}, fraudulent inquiries off of my report XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-01-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX -Date open XX/XX/XXXX {$1000.00} XXXX XXXX Date open XX/XX/XXXX - {$1500.00}, XXXX XXXX XXXXXXXX Open XXXX {$670.00}, XXXX XXXX XXXX Date XXXX XXXX {$1100.00}, fraudulent inquiries off of my report XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
b'I am submitting this complaint regarding improper medical debt collection related to XXXX XXXX XXXX XXXX XXXX  billed me for prescription medication. While I do not dispute that certain portions of the charges may be valid, the account also includes charges related to medication that was improperly delivered and subsequently returned.\n\nDue to this return-related dispute, XXXX XXXX XXXX failed or refused to provide a complete itemized bill that clearly separates undisputed charges from disputed charges. Without a complete and accurate itemized statement, the total amount allegedly owed was not determinable, and I was unable to submit payment in good faith.\n\nDespite this unresolved billing dispute and the absence of an itemized bill, XXXX XXXX XXXX  transferred or sold the account to a third-party collection agency and attempted to collect the full amount. [on XXXX, they sold the debt to a debt collection company, and not till XXXX first time, I received their itemized receipt but still without proper adjustment.]\n\nI am disputing the debt because the amount being collected is incorrect and unvalidated. An unitemized and disputed medical charge should not be referred to collections before the billing dispute is resolved.\n\nI respectfully request that XXXX XXXX XXXX:\n1) Provide a complete and correct itemized bill with proper adjustment;\n2) Correct or remove all charges related to the returned medication;\n3) Recall the account from the collection agency;\n4) Cease any collection or credit reporting related to the disputed amount until the billing issue is fully resolved.\n\nDetails of DateXXXX 7 days of medical was orderedXXXX 3 days of medical was ordered. [Found bad, immediately contacted XXXX XXXX for return.]XXXX 3 days of medical from XXXX was returned due to improper shipment. Return box and tracking were provided by XXXX XXXX. Tracking number: USPS, XXXX XXXX XXXX XXXX XXXX XXXX XXXXnBetween XXXX I kept calling XXXX for itemized receipt with adjustment. Also ask for email for easy trace. No email was provided.\n1XXXX I finally one itemized receipt send by XXXX XXXX No proper adjustment was made still. \n- Based on this receipt, on XXXX, this return-dispute debt was sold by XXXX XXXX    improperly.\nXXXX Debt collection mail was received.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To : Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Office of the General Counsel RE : FINAL NOTICE TO CURE FCRA VIOLATIONS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter constitutes formal legal notice that you have failed to correct or delete inaccurate information after dispute, reinvestigation, and CFPB complaint. Your continued reporting constitutes negligent and/or willful noncompliance with the Fair Credit Reporting Act, 15 U.S.C. 1681n and 1681o.

You are hereby afforded fifteen ( 15 ) days from receipt of this notice to cure by fully deleting the disputed tradeline or providing complete documentary validation. Failure to cure will result in initiation of civil litigation without further notice. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
My account was placed under a settlement agreement for {$1000.00} following a post-auction balance of {$2600.00}. Payments of {$170.00} began in XX/XX/year>, and I made eight ( 8 ) payments totaling {$1300.00}, which exceeds the agreed settlement amount. Based on the terms of the settlement, the account should have been fully satisfied by XX/XX/year>. 
Despite multiple calls to XXXX XXXX, I have not received written confirmation of settlement completion, a zero-balance statement, or any explanation for the continued status of the account. The total payments made exceed the agreed settlement amount by {$290.00}, unless XXXX XXXX can provide written documentation demonstrating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Hi so In short story Blitts and Gaines served the wrong person. 
Then they have sent legal paper work and threatened to garnishment my wages. 
I called them to see about a payment plan or settlement. They said they were still taking action. 
I received a email from the HR department at my job with all my financial information written out. It is documented in a email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kornerstone Credit,  LLC.
State: CA

Complaint narrative:
I reached out to this company in XXXX and again in XX/XX/year> to notify them that I have never had a debt with them or any contract with them and they proceed to tell me that i would be sued and would be reporting to my credit until I paid them. I also let them know that I reached out to the co pant that I said I owed and that they were collecting on behalf of and they told me that the debt was sold and charged off. I asked for the XXXX so I could file it in my taxes and was told again I would be sued please remove this debt from my credit I cant get a house or nothing to house myself and my children. I also offer to pay them the amount that the debt was bought for being that I never owed or had a co tract with them and was told it was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
The charge for the debt was not the amount correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX allowed my funds to be stolen off of my card although Ive sent in an abundance of proof. Theyve sent pictures of a woman stating I authorized her to use my funds. Im not in the photos and that is the only and sole proof of why they havent reimbursed me. I will attach the photos of the documentation they sent which the lawyer stated its not adequate 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 2026-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Im complaining because the company is saying that I owe them for a debt when I never signed any paperwork with this company it has no record of me ever doing business or signing any paperwork with them ever in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I am submitting this Complaint regarding inaccurate and unverifiable credit reporting by XXXX or more creditors and collection agencies by XXXX XXXX. This Collection accounts is reporting incorrect and misleading information oXXXX XXXX XXXX XXXX XXXX The accounts is report a past due amount, which is inaccurate for a collection account. I previously disputed this account directly with the credit reporting agencies, yet the inaccurate information remains.

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 2026-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
Neither cash app or XXXX XXXX XXXX passed my refund or answers for XXXX charges unauthorized on my account charged me {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: UT

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I dispute this debt in its entirety, as I do not believe that I owe the amount you claim.

This is the first notice I have received regarding this matter. Therefore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt.

As required by law, please provide the following : The name and address of the original creditor.

The total amount of the alleged debt, including an itemization of any interest or fees.

Copies of any contract, agreement, or other documents bearing my signature that establish my legal obligation to pay this debt.

Proof that your company is legally licensed and authorized to collect debts in the state of Utah, including a copy of any required bond.

During the validation process, you must cease all collection activity, including reporting or updating this account with any consumer reporting agency. If this account has already been reported, it must be marked as disputed. 
Your XXXX  record for Utah shows only a Consumer Credit Notification, which does not authorize your company to act as a collection agency or collect debts in the state of Utah. Please provide proof of a valid Utah collection agency license.

Any attempt to continue collection activities without providing proper validation will constitute a violation of the FDCPA.

Please provide the requested documentation by mail. I prefer no telephone contact regarding this matter.

Please consider this letter a final demand for you to cease and desist all collection efforts immediately. Failure to comply will leave me no choice but to pursue these additional remedies.

Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: GA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX  an unauthorized electronic fund transfer occurred on my Chime account involving an apartment complex with which I have no relationship and have never resided. I timely notified Chime of this unauthorized transaction and submitted supporting documentation, including evidence that I reported the matter to the credit bureaus and conducted my own investigation in XXXX. 
Despite receiving this information, Chime denied my dispute without providing a sufficient explanation or evidence of a reasonable investigation. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to conduct a reasonable investigation of reported errors and correct unauthorized electronic fund transfers. Based on the circumstances, it appears Chime failed to meet these obligations. 
A proper investigation would have revealed the following material facts : I have never received, activated, or possessed a physical Chime debit card. 
I notified Chime of concerns regarding the delivery of physical cards containing my personal information, as I never received one.

At the time of the transaction, I was physically outside of the United States in XXXX, making it impossible for me to authorize the transaction. 
The merchant involved is an apartment complex that I have never lived at, leased from, or otherwise conducted business with. 
Under Regulation E, a consumer is not liable for unauthorized electronic fund transfers, and financial institutions may not deny a claim without completing a reasonable investigation and providing appropriate documentation. Chimes denial of my dispute, despite clear evidence of unauthorized use, is inconsistent with these consumer protection requirements. 
I am requesting that Chime conduct a proper investigation in compliance with Regulation E, reverse the unauthorized transaction, and correct any adverse impact to my account or credit history resulting from this matter. I also request written documentation explaining how Chime determined this transaction was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I received a job offer that was through email. I am a XXXX XXXX XXXX adult student with XXXX XXXX that keep me from having sustainable income year round. I am a student at XXXX XXXX in XXXX. I received a job opportunity through my school email that the college supported and they even approved of ( Failing to screen for this scam ). I accepted it this Sunday the XXXX. The alleged business is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, KS XXXX XXXX XXXX. They claim that they needed a personal assistant to donate toys for them through bit coin. They accepted Sunday and were overly eager would harass me promptly in the morning. Hey here is a check worth {$880.00} then encouraged me to donate it in increments of {$500.00} then {$300.00}. I did and they were very steadfast. They made it out like I could make {$450.00} a week by helping out. Well because I did not immediately deposit said check yesterday waiting 30 minutes. My checking bounced and I went from having some money in it not having debts to having a $ XXXX balance with some change then my account froze losing access to it. My bank is Community XXXX XXXXXXXX. Every day after these deposits I would have {$80.00} in return as interest. I did NOT spend that- {$870.00} it was from the bounced check of not depositing it within half an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.

Complaint narrative:
Our son XXXX XXXX XXXX XXXX ( birthdate and SSN can be provided separately ), an XXXX of XXXX XXXX, passed away with an XXXX with Optum Financial with a balance of {$1300.00}. On XX/XX/year> I received approval from the State of Virginia to be the XXXX XXXX XXXX XXXX ( he XXXX Intestate ) which was XXXX days after his passing as required by the State of Virginia. I called Optum ( the cXXXX XXXX number on the back of his XXXX Account Card. I then sent, on XX/XX/year>, the XXXX XXXX XXXX and the Certificate / Letter of Qualification allowing me ( XXXX XXXX XXXX ) to be the XXXX XXXX by the State of Virginia , XXXX of XXXX. I sent it " Priority '' to get confirmation that it was delivered but because Optum DOES NOT staff their mail process I was unable to send this " Registered '' to get a signature. I filed a request on their website to cancel the account and receive a refund. As a fiduciary I will send to his XXXX ( a XXXX year old ). On XX/XX/year> I got a check that when deposited, was rejected by Optum. Since then there have been many calls and no payments nor do they provide any ETA 's or expectations. This appears to be a scam or thievery on behalf of Optum to make the process so long and difficult that they can keep the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: Chime Financial Inc
State: TX

Complaint narrative:
My credit card was compromised and used without my authorization for multiple transactions. I did not make, approve, or benefit from these charges. As soon as I discovered the unauthorized activity, I reported it to my bank, Chime, and filed disputes for the fraudulent transactions. 

Despite providing the information requested, Chime has repeatedly denied my claims. I am submitting this FTC Identity Theft Report to obtain additional documentation and proof to support my investigation and to demonstrate that I am a victim of identity theft and unauthorized credit card use. 

Merchants ( unauthorized transactions ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I started filling dispute with Chime on XX/XX/XXXX. They sent me out a new brand card I was supposed to receive the card on XX/XX/XXXX. All transactions made on XX/XX/XXXX were made on a brand XXXX XXXX XXXX card thats in the process of being mailed too me. I contacted my bank to inform them that something is going on within there system!

Company response to consumer: Closed with explanation