vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This letter serves as formal notice that I am disputing the validity of the above-referenced account in its entirety. This is NOT a refusal to pay, but a demand for strict validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act. You are hereby required to CEASE ALL COLLECTION ACTIVITY until you provide competent, admissible evidence that I have a legal obligation to pay this alleged debt and that your company has lawful authority to collect it. Specifically, I demand the following : 1. 2. 3. 4. 5. 6. 7. 8. A complete copy of the original signed contract or agreement bearing my signature that created the alleged debt A full payment history from the original creditor, from inception to charge-off The name, address, and account number of the original creditor The chain of custody and assignment, including all assignments, transfers, and ownership changes A copy of the bill of sale proving XXXX XXXX XXXX legally owns this alleged debt Proof of your authorization and licensing to collect in my state Proof that this account is within the statute of limitations An itemized breakdown of the amount you claim I owe, including principal, interest, and fees Be advised : computer-generated statements, screenshots, or internal summaries are NOT validation and will be rejected.If you can not provide all of the above, you are required to : Immediately delete this account from all credit reporting agencies, and Permanently close your file. Any continued collection activity, credit reporting, phone calls, or failure to mark this account as disputed while validation is pending will constitute knowing violations of federal law, including but not limited to FDCPA 1692e, 1692f, and FCRA 623 ( a ) ( 1 ) ( A ). Should you fail to comply, I am prepared to pursue all available remedies, including formal complaints with the CFPB, State Attorney General, and civil litigation. This is your opportunity to either validate or vacate. No further contact is authorized except to provide the validation requested above. Govern yourself accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year>, I attempted to make a settlement payment of {$690.00} on my Chase credit card account. I had sufficient funds available in my bank account at the time of the payment. However, Chase cancelled my payment without my authorization, citing a " precautionary hold '' due to two previously returned payments on my account. As a result of Chase cancelling my payment, the funds I had set aside for this settlement were subsequently used by other debits that cleared my bank account. I no longer have the funds available to make the settlement payment. I made this payment in good faith with available funds. Chase 's unilateral decision to cancel my payment directly caused me financial harm by preventing me from settling this account at the agreed-upon amount. I was not notified in advance that my payment would be blocked, and I was not given the opportunity to use an alternative payment method. I am currently between jobs and transitioning to a federal government position. This settlement was critical to resolving this account and improving my financial situation. Chase 's actions have caused unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Paid Principle and interest on loan with Wells Fargo in full XX/XX/XXXX. 3 liens applied to 3 different parcels. * XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Property sold XX/XX/XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Mortgage paid XXXXno release Selling property XX/XX/XXXX discovered lien against property form Wells Fargo. Called WF on 3 way call with XXXX from title company assigned to do closing. XXXX from WF recorded my information and reported the loan was closed a few years ago. No Lien release sent to county recorder. XXXX said I would be contacted within 1 business day. that's today and so far no call. My business is scheduled to be transfered Monday. Many payment systems are scheduled to be shutoff that day I can not close and resuming business operations will be delayed for weeks restarting all the different payment systems. I have proof of final payment. LA XXXX 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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Car was purchased on XXXX of XXXX at XXXXXXXX XXXX XXXXXXXX in XXXX AZ for a total cost of {$37000.00} with monthly payments of {$880.00} per month.The finance charges ( provided by SANTANDER BANK ) were extremely high and we agreed because we needed a car desperately. The car was in an accident on XX/XX/XXXX and was a total loss. XXXX XXXX my insurance company sent a check to Santander to cover the balance. We made payments for 4 years and Santander informed me and XXXX XXXX that our balance was still {$22000.00},,!?!?!! They erroneously stated to credit bureaus that our current payments are late after they cashed the check XXXX XXXX issued to Santander. I need help please, my credit score is dropping and I feel I was taken advantage of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I recently received a derogatory remark on my XXXX credit report stating that I owed XXXX dollars to XXXX XXXX that was never paid I called the collection agency and they told me that it was in XXXX and that the collection agency had tried to call me XXXX times. I asked them what number they called and they said it was a number ending in XXXX I have never had that phone number.they also said it was for an address in Pennsylvania I have never lived in Pennsylvania and I do not know anybody who lives in Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
On XXXX XXXX a transfer was initiated from my XXXX checking account to my Dave debit card in the amount of XXXX. The instant transfer fee was XXXX. The money never made it to my Dave debit card. I refuted the transfer with XXXX beginning XX/XX/year>. The claim was denied stating the transfer was successful. I then contacted Dave support in regards to the same matter. XXXX they said there was no record of a transaction. Then on XX/XX/year> They stated they do not accept wire transactions and my transaction was rejected even though XXXX states it was successful and the rejected money was never returned to my initial account. XXXX claims that my transfer was not a wire transfer but a transfer using the XXXX system to transfer money from bank to bank. Both parties are denying responsibility leaving me out of XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: DC

Complaint narrative:
Please see the email below that was sent to my assigned customer support representative, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX _____________________________________________________________________ Good Morning, XXXX : I wanted to clarify the sequence of communications and my concerns, as the information Im receiving appears inconsistent with prior correspondence. On XX/XX/XXXX, I initially raised the alarm regarding the status of my property tax payment. I subsequently received confirmation on XX/XX/XXXX, indicating that my payment schedule was acknowledged and that the tax payment would be made that month ( see attachment ). However, your most recent update indicates that a payment is now being requested, and there is still no clear confirmation regarding who will be responsible for the late fees that have been applied ( see attached tax notice -- '' Forecasted Amounts for Late Payments '' ). This is particularly concerning, given the prior confirmation I received indicating payment would be submitted in XXXX. As discussed during our call on Wednesday, XX/XX/XXXX, I would also appreciate an update on the investigative review conducted thus far to proactively address any future payment discrepancies. The lack of clarity in both email and phone communications has raised concerns for me regarding the level of attention and specificity being given to my situation. Thank you in advance for your attention to this matter. I look forward to a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I previously submitted a complaint for this company, and the complaint was closed again without any type of proof. This company has not proved that this debt is accurate or that it even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: GA

Complaint narrative:
I am filing this complaint because I believe Chase mishandled my credit card dispute by initially processing it against the wrong XXXX transaction and then later denying the corrected dispute as too old. I disputed a {$650.00} amount related to an XXXX return/restocking fee. The underlying transaction I intended to dispute was : Merchant : XXXX XXXXXXXX XXXX XXXXXXXX Transaction amount : {$3500.00} Dispute amount : {$650.00} Transaction post date : XX/XX/XXXX The math is : Original charge : {$3500.00} Refund received : {$2900.00} Remaining withheld amount/restocking fee : {$650.00} XXXX initiated the dispute on XX/XX/XXXX. However, Chases earlier documentation for Claim ID XXXX appears to have associated the {$650.00} dispute amount with a different XXXX XXXX in the amount of {$3600.00}. I explained to Chase by phone that the {$3600.00} transaction was different and had already been refunded. Chase later issued a new denial letter dated XX/XX/XXXX under Claim ID XXXX. That letter finally identifies the correct transaction, XXXX XXXXXXXX XXXX XXXXXXXX, transaction amount {$3500.00}, dispute amount {$650.00}. However, Chase denied the dispute by saying too much time had passed and the merchant was not willing or required to credit my account. I believe this is unfair because the {$650.00} dispute was already initiated on XX/XX/XXXX, but Chase initially processed or associated it with the wrong XXXX transaction. By the time Chase reviewed the correct transaction, Chase treated the matter as too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding improper interest charges, illegal or unauthorized fees, and actions that have extended my loan well beyond the original terms of my agreement. My complaint is that the bank has added interest and fees that I believe are improper and has extended the repayment of this loan past the original agreement in a way that has increased the amount I owe unfairly. These actions appear inconsistent with the terms I originally agreed to and may constitute unfair or deceptive lending or servicing practices. Issue Details : Unauthorized or excessive interest charges have been added to my loan. Improper fees have been assessed and have increased my balance. The banks handling of this account has extended the loan far beyond the original agreed payoff period. Because of these added charges and loan extension, I have paid or am being required to pay substantially more than originally contracted. I am requesting that the CFPB assist in obtaining : A full audit and accounting of my loan history, including all interest and fees charged. Removal and refund of any improper or unauthorized fees and interest. Correction of the loan balance based on the original agreement. Review of the banks extension of the loan term without proper authorization. Any other relief available under consumer protection laws. I have attempted to address this issue directly and am seeking regulatory assistance because I believe these practices are unfair and have caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding the unauthorized handling and transfer of funds from my Wells Fargo accounts following a Paycheck Protection Program ( PPP ) loan that was fully forgiven. On XX/XX/XXXX, my PPP loan issued by XXXX XXXX XXXX was fully forgiven by the Small Business Administration ( SBA ) in the amount of {$20000.00}. This forgiveness satisfied the loan in full, and no balance was owed. On XX/XX/XXXX, Wells Fargo notified me that my accounts would be closed due to alleged unauthorized transfers. At that time, the funds in question were legitimate PPP proceeds deposited by XXXX XXXX XXXX. On XX/XX/XXXX, Wells Fargo informed me they were expecting a claim and would temporarily hold my funds for up to 60 days. They stated that if no claim was received, the funds would be returned to me. No claim was ever disclosed to me within that timeframe. Instead, Wells Fargo held my funds for nearly two years. In XXXX, I was informed that Wells Fargo sent {$15000.00} to XXXX XXXX XXXX based on a Uniform Indemnification Agreement allegedly submitted on my behalf. I have never authorized XXXX XXXX XXXX, or any party, to act on my behalf in requesting funds from Wells Fargo. Additionally, XXXX XXXX XXXX has confirmed that my loan balance was {$0.00} and that the loan was fully paid and satisfied. There was no outstanding obligation requiring any return of funds. Despite multiple requests, Wells Fargo has refused to provide : - A copy of the Uniform Indemnification Agreement- The date it was received - The identity of the party who submitted it - Proof that I authorized any such request - Documentation of any prior claims deducted from my funds - A full accounting of the missing balance XXXX XXXX responses are inconsistent and contradictory. In XXXX, they stated they were only expecting a claim. In XXXX, they claimed a request had been made and acted upon. In XXXX, they refused to revisit the issue, stating no new information was provided, while still failing to provide any supporting documentation. This matter involves the improper handling and transfer of my funds without authorization and without transparency. I am requesting that Wells Fargo be required to provide the documentation supporting their actions. If they can not provide valid authorization for the transfer, I am requesting full reimbursement of all funds.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I am writing to formally dispute inaccuracies related to seven accounts with EDFIN/ESA that are currently being reported as derogatory on my credit reports by all three major credit bureausXXXX XXXX XXXX XXXX. Each of these accounts, identified as XXXX XXXX XXXX XXXX XXXX, reflects a {$0.00} balance yet remains derogatory. On XX/XX/XXXX, I filed disputes regarding incorrect details ( XXXX ) with the credit bureaus, but to date, no corrections have been made. This continued reporting of derogatory information is unjustified and significantly damaging my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect that every piece of information reported by credit bureaus is accurate and complete. Given that these accounts have a {$0.00} balance, they should not be reported as derogatory. The inaccurate reporting is harming my financial standing, making it difficult to obtain necessary credit and potentially affecting my ability to secure housing or employment. I seek the complete removal of these seven accounts from my credit reports with XXXX XXXX XXXX XXXX. I trust that EDFIN/ESA will take the necessary steps to correct this error promptly and ensure compliance with FCRA obligations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
On XXXX XXXX, I spoke with an agent at Williams & Fudge XXXX XXXX XXXX ) and contacted XXXX XXXX XXXX XXXX about a debt from XXXX in the amount of {$1500.00}. Williams & Fudge stated that the address and email was on my account. I denied that address and email. I, then, noticed that the New Jersey address was on my credit report which linked to a mortgage which was also disputed. I explicitly informed them that the account was linked to a fraudulent XXXX New Jersey address and email from XXXX XXXX XXXX company I never attended. Despite this, the agent continued to push the debt and dismissed my identity concerns as being 'misinformed ' rather than investigating the data mismatch. I requested an itemized statement and the original enrollment documentation from XXXX to verify the debt. I also provided them with my official FTC Identity Theft Report ( Report # XXXX ) and requested that they recall the debt from collections due to the mixed-file identity error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
We received a holiday gift from an employer which was an American Express XXXX XXXX for {$2500.00}. I tried using it at several online travel websites and it was declined each time because no address associated with the card and could be verified. The online stores suggested that I resolve this with American Express. I called AMEX several times and asked to associate an address with the XXXX card, otherwise I can not process a payment. I was told multiple times that no address can be associated with the XXXX XXXX, and it a problem at the retailer 's end. I tried several other major retailers and the result was the same. So essentially there is no way that I can use this XXXX XXXX for payment at any online retailers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am filing a complaint against XXXX regarding an unresolved account restriction and withheld funds. On XX/XX/year>, my XXXX account was frozen without explanation. Since that time, I have made numerous attempts to contact XXXX customer support through available channels but have not received a clear reason for the restriction or any meaningful guidance on how to resolve the issue. As a result, {$570.00} of my funds have been inaccessible for nearly four years. XXXX has not provided a timeline for resolution, nor have they returned my funds despite my repeated requests.

Company response to consumer: Closed with non-monetary relief