vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has failed to provide XXXX XXXX provisional credit as required under Regulation E XXXX XXXX  for an unauthorized ATM withdrawal of XXXX XXXX  {$800.00} on XX/XX/year>XXXX XXXX XXXX despite timely notice and dispute. 
XXXX XXXX I reported the unauthorized transaction promptly upon discovery. Chase denied the claim without providing evidence of authorization and XXXX XXXX did not issue provisional credit within the required timeframe XXXX XXXX 
XXXX XXXX I have repeatedly requested provisional credit and escalated the matter, including contacting the XXXX XXXX XXXX, which has XXXX XXXX not responded XXXX XXXX 
XXXX XXXX  As a result, my account remains overdrawn causing ongoing financial harm. 
XXXX XXXX I am requesting that Chase : XXXX XXXX. Immediately issue provisional credit of {$800.00} XXXX XXXX  Reverse overdraft fees and negative balance impacts caused by the disputed transaction XXXX XXXX Provide written confirmation of compliance with Regulation XXXX XXXX XXXX Chases continued refusal constitutes a failure to comply with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has fail to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ). 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within XXXX calendar days, I will proceed with legal action against your agency under 15 U.S.C.

1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 
This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), t ' Federal Trade Commission ( FTC ), and my State Attorney General, a pursue civil litigation. 
Sincerely, XXXX XXXX XXXX CC : [ XXXX ] Enclosures : [ Previous dispute letter, return receipt, etc. ]

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 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MS

Complaint narrative:
I fiked a dispute XX/XX/XXXX it is XX/XX/XXXX and they refuse to give me an update

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I am receiving repeated and disturbing phone calls from Diversified Adjustment Service , Inc. every single day. During these calls, the caller asks me to verify my identity or asks for another individual by name. The moment I ask who they are or refuse to provide personal information, they immediately hang up the call. This has occurred consistently and intentionally, day after day. Their conduct is threatening my safety, peace of mind, and future, especially given that I am already a victim of identity theft. I have attempted to file a police report regarding this behavior due to the ongoing harassment and the fear that they are attempting to obtain my personal information under false pretenses. I have recorded several of these calls as evidence. Based on the pattern of behavior, I believe these calls are designed to pressure me into confirming personal details so they can access my private information and potentially open new fraudulent accounts in my name. This conduct is alarming, deceptive, and abusive, and it has caused significant distress and fear for my personal and financial security. 



I am receiving daily harassing calls from Diversified Adjustment Service , Inc .. Callers ask me to verify my identity or another person and immediately hang up when I refuse or request verification. This occurs every day and appears intentional. I have recorded multiple calls and attempted to file a police report. As a documented identity theft victim, I believe this is an attempt to unlawfully obtain my personal information. The conduct is deceptive, abusive, and distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear XXXX XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to p

ay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof o
f my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XX/XX/XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
I am disputing an alleged debt being reported and/or collected by this company. I timely requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but the company has failed to provide proper verification showing that I owe the debt or that they have the legal right to collect it. 



Despite my written dispute, the company has continued collection activity, including reporting the account to credit reporting agencies and/or attempting to collect the debt. This is occurring without providing required documentation such as a copy of the original contract, itemized statements, or proof of assignment from the original creditor. 



As a result, inaccurate and unverified information is appearing on my credit report, causing financial and emotional distress. I am requesting that the company be required to either provide full legal validation of the debt or cease collection activity and remove the account from my credit report in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am filing this complaint regarding an unlawful and inaccurate collection account being reported on my credit report by Aldous & Associates PLLC. 

Aldous & Associates is reporting a collection account related to XXXX XXXX in the amount of {$130.00} only on XX/XX/XXXX, while the same account does not appear on XX/XX/XXXXor XX/XX/XXXX. This selective reporting renders the information materially incomplete and inaccurate, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ). 

More importantly, Aldous & Associates is not licensed or authorized to conduct debt collection activity in the State of New Jersey, where I reside. I verified this directly through XX/XX/XXXXConsumer Access ( XX/XX/XXXXTheir licensing disclosures list multiple states, but New Jersey is not included. 

Because Aldous & Associates lacks New Jersey licensure, they have no legal authority to collect, furnish, or report this debt against a New Jersey consumer. Reporting a debt without legal authority constitutes unfair and deceptive practices under the Fair Debt Collection Practices Act, including violations of : 15 U.S.C. 1692e ( 5 ) Threatening or taking action that can not legally be taken 15 U.S.C. 1692e ( 10 ) Use of deceptive means to collect a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices I have formally disputed this account. Aldous & Associates can not lawfully verify the debt due to their lack of licensing, and XX/XX/XXXXcan not lawfully continue reporting information furnished by an unlicensed collector. 

I am requesting immediate deletion of this account from XX/XX/XXXX, written confirmation of deletion, and confirmation that this account will not be reinserted or transferred to another collector. 

If this matter is not resolved, I request CFPB enforcement review for unlawful credit reporting and unlicensed debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon Synchrony emails are coming to my inbox about credit recieved when I have never applied.

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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear January Technologies , Inc, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I sent a request of information asking debtor to disclose amount owed and the original Agreement from the alleged original debtor with in XXXX days from XX/XX/year>. The letter was sent certified I received return slips. I also request contact XXXX mail only. The debtor continues to send emails instead of mailing any request. I would like to request this debt be moved. I have no clue how I owe this company.i have no knowledges of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PA

Complaint narrative:
I sent a request of information asking debtor to disclose amount owed and the original Agreement from the alleged original debit or with in 30 days from XXXX XXXX. The letter was sent certified I received return slips. I also request contact XXXX mail only. The debit or continues to send emails instead of mailing any request. I would like to request this debt be moved. I have no clue how I owe this company.

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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have an old cash app account and they already help me once before with a different account they refuse to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Account Email : XXXX Verified Address : XXXX Amount Disputed : Approx. {$17000.00} XXXX of Facts : I am filing this urgent complaint due to the unlawful withholding of {$17000.00} in personal assets and an ongoing security breach that Blockchain.com is failing to address. 

XXXX. Ownership Proven : On XX/XX/year>, I provided irrefutable cryptographic proof that I am the beneficial owner of the funds. I submitted a XXXX signature ( XXXX... ) from the source wallet address ( XXXX ... ) and transaction records showing the funds origin. 

XXXX. Refusal to Act : Despite this mathematical proof, Blockchain.coms automated system issued a " final '' rejection due to an initial technical mismatch. Support has since ceased communication. 

XXXX. Active XXXX XXXX : As of today, XX/XX/year>, an unauthorized third party is repeatedly changing my account password. I believe my recovery phrase or account has been compromised. 

XXXX. Negligence : By refusing to verify the rightful owner who has provided cryptographic proof, Blockchain.com is actively facilitating a theft. Their refusal to manually review my case is leaving {$17000.00} vulnerable to a known hacker.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Hello my name is XXXX XXXX and I received a check from you guys CFPB due to a settlement from XXXX XXXX XXXX. I did a mobile deposit to my Credit Karma checking account and they are refusing to allow the check to deposit into my account. I had an issue with the first mobile deposit and recieved an email stating that the check could be deposited due to the blurriness i resubmitted the check and now they aren't releasing the funds and it shows pending. I spoke with to reps yesterday XX/XX/XXXX and the last person i spoke to said that the funds will be released that day. Now today XX/XX/XXXX they're telling me that they don't see the deposit at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint as an urgent issue involving unauthorized check activity on my Chase checking account.

A thirdparty company that provides me with an installment loan ( which I pay from a different bank account ) has issued or presented cashiers checks drawn on Chase in my name without my authorization and attempted to pay themselves.

I did not request, authorize, sign for, or approve any cashiers checks, official checks, or drafts drawn on my Chase account. No company has authorization to issue instruments in my name or debit my Chase account in this manner. 

The morning of XX/XX/XXXX, a pending unauthorized cashiers check was presented and is over drafting my account, which is already negative due to Chases refusal to issue provisional credit for a separate unauthorized ATM withdrawal.

I have notified Chase and requested XXXX XXXX Immediate stop payment on the pending unauthorized item XXXX  Classification of the item as unauthorized / fraud XXXX  A fraud block to prevent further check activity XXXX  Written confirmation that Chase will not honor these instruments This activity is not related to my installment loan, is not authorized by any agreement, and constitutes check fraud / impersonation. Allowing these items to post would cause further harm. Chase members repeatedly refused to honor my request repeatedly stating they could do nothing to help me or honor my request. This demands attention and action. 

I am requesting that Chase : XXXX. Immediately stop and reverse the now cleared unauthorized cashiers check XXXX. Block all unauthorized check activity XXXX. Waive any overdraft or related fees caused by this activity and return the funds back to my account where they belong. 
XXXX. Provide written confirmation of the actions taken

Company response to consumer: Closed with explanation