vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
There is no legitimate connection between me and these accounts ; remove them within 15 days under USC 1681g.

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 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is no legitimate connection between me and these accounts ; remove them within 15 days under USC 1681g.

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 2026-05-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a fraudulent charge from XXXX in the amount of {$41.00} on XX/XX/XXXX. I called Citibank on XX/XX/XXXX regarding the charge and spoke to two people : XXXX and XXXX but could not understand anything they were saying.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I do not recognize this alleged debt or the company reporting it. I requested validation and documentation proving I am legally responsible for this account, including the original signed agreement, payment history, and proof of ownership of the debt. The company has not provided sufficient verification. This account appears inaccurate and may also be obsolete due to age. I am requesting a full investigation and removal of this account from my credit report if the company can not properly validate the debt under the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was scammed out of {$52.00} by an account on cash app. I reported it promptly and it was denied by their disputes team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Date : XX/XX/year> RE : CEASE AND DESIST COMMUNICATION REQUEST To Whom It May Concern : I am writing regarding the alleged account you claim is owed by me. Under the provisions of the Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist all communication with me regarding this alleged debt. You are instructed to stop contacting me by telephone, text message, email, or mail, except as allowed by law to notify me of specific legal actions, if applicable. Additionally, if you are reporting this account to any credit reporting agency, I request that you provide proper validation and verification of this alleged debt, including : * The original creditors name * A copy of any signed agreement bearing my signature * Proof of your legal authority to collect this debt * A complete payment history and account documentation If you can not provide proper validation, I request that this matter be closed and any reporting to credit bureaus be removed accordingly. Any further communication that violates my rights under federal law XXXX be documented and reported. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America denied my dispute within about XXXX days without properly investigating, without asking me for additional information, and without giving provisional credit. I am requesting Bank of America reopen the claim, provide the investigation documents/reason for denial, and issue provisional or final credit if required under Regulation E/chargeback rules. Claim ID XXXX Claim amount {$860.00} Claim ID XXXX Claim amount {$2000.00} Claim ID XXXX Claim amount {$490.00}

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 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
The company has not answered the complaint in the CFPB portal. A mailed letter does not satisfy the CFPBs response requirements. The bank is attempting to move the discussion outside the federal record. I request that CFPB require the company to provide a full, substantive response in the portal, including documentation, timelines, and explanations addressing each issue raised.I dispute the companys response and request continued CFPB review. I called that XXXX 4 times and left a message. One ring- automatic voicemail with XXXX XXXX on it. We need an email State Farm emailed us- please see attachment

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
I am filing this complaint regarding a collection account reported by Jefferson Capital Systems on my credit report that I believe is inaccurate, incomplete, and unverifiable. I previously disputed this account with the credit bureau ; however, it continues to be reported without sufficient validation. The primary issue is that there is no record of the alleged prior account holder, XXXX, appearing anywhere on my credit report. This raises serious concerns about the chain of ownership and the legitimacy of this debt. Jefferson Capital Systems has failed to provide adequate documentation to support the following : Proof of legal ownership or assignment of the debt A complete chain of title from the original creditor to Jefferson Capital Systems Any record connecting this account to XXXX, which is allegedly part of the account history A copy of the original signed agreement or contract Verification of the amount being reported Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and fully verifiable. Reporting a debt without proper documentation and without a clear chain of assignment is a violation of federal law. Despite my dispute, this account remains on my credit report without sufficient proof. This is causing harm to my credit profile and financial standing. I am requesting the following resolution : Immediate deletion of this account from my credit report if it can not be properly verified Full documentation validating the debt and ownership, if it is to remain reported An explanation as to why XXXX is not reporting this account if it is part of the ownership history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out I owed a medical debt for XXXX XXXX XXXX by calling equifax to see why my credit score was negative. They gave me the number to call XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. I called and spoke with XXXX XXXX and explained to her that I was not going to pay a debt that did not belong to me. She said that XXXX was billed and never payed. I explained that I never had insurance under XXXX. She then proceeded to tell me that I needed to call the insurance I had during that time and I told her that was not my job. She hung up on me. I am more than happy to try to verify my insurance information during that time but I am not responsible for the original agency billing me the wrong way. This date of service goes back to XX/XX/2021 and I am just learning about this bill in the amount of XXXX. I am not even sure this was a visit pertaining to me at this point. Furthermore, if it was my doctor 's visit then the person billing should have billed me properly. Now, I am the one being penalized for their failure to do their job. I would like this off my credit report as soon as possible. I am working hard to get my credit in good standing and this is disrupting that process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX took {$2300.00} out of my escrow and paid another person 's tax bill. I have requested that my money be refunded since XXXX where Planet has told me that they are working with the local tax office to get the refund and error corrected. Today, XX/XX/XXXX I reached out to the local tax office and they informed me that they have not been contacted by Planet Lending, but do show that there was an error of payment - error reason taxes already paid - from Planet Lending in XXXX XXXX. We were able to locate the error and I was able to receive the funds to place back into my escrow account. When you XXXX this company, there are many people facing the same situation at the hands of Planet Lending, misallocated funds from escrow. Not a single person ever called me on behalf of planet lending to discuss the error or status of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To whom it may concern, I just spoke with XXXX, the SPS operator, regarding my XX/XX/year> payment. As discussed, my payment was returned per her. This is the first time hearing about this matter. Please address this matter. This could be noted as a negative credit score or payment plan as offered by the operator. I don't have extra money to pay the mortgage twice. Im not sure why it took XXXX ( XXXX ) days to reach out to me ; thats not customer service-friendly. I received a one-time confirmation from SPS, but nothing stating that the payment was returned. The first notification was today by phone. On XX/XX/XXXX, a phone payment was made in the amount of {$980.00} On XX/XX/XXXX, the payment was no longer in pending status. On XX/XX/XXXX, a payment was deducted from my checking balance. As of today ( XX/XX/year> ), the {$980.00} amount has not been credited back to my account if that was the case. I just spoke with XXXX, a XXXX consultant, and she gave me reference numbers : XXXX. She stated that the payment has been accepted and posted. XXXX XXXX : XXXX Thank you for assisting!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Meritize Financial Inc.
State: CA

Complaint narrative:
My original loan balance was approximately {$35000.00} and has increased to approximately {$75000.00} despite my good-faith efforts to remain compliant through forbearance and reduced payments. I am seeking a realistic and sustainable repayment solution that prevents continued balance growth and avoids eventual default.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Around XXXX I sold a business where my name was on the business credit card. Unfortunately I did forget to take my name off the credit card. XXXX years later, the new business owner had some problems paying his credit card debt. That obviously reflected on my name and Chase refused to change the credit card over to the owners name. Even though the new owner was perfectly willing to accept the debt on the card. I helped Chase get their money from the new owner and Chase should fix my credit. They do report that the credits been paid off and slowly. Basically that destroyed my credit for XXXX years. My credit score is coming back, but to my understanding it takes XXXX years to get it completely back to having perfect credit. Im frustrated that Chase refused at any time to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I am disputing collection activity and inaccurate information associated with Williams & Fudge , Inc . The company recently contacted me regarding an alleged debt owed to XXXX University while using outdated identifying information and an address that has already been removed from my credit profile as obsolete and inaccurate. Any collection activity or verification based upon outdated identifying information raises concerns regarding the accuracy of the records being used and the reasonableness of the investigation performed. I requested validation of this alleged debt, including : * Original signed agreement * Complete itemized billing statement * Documentation proving legal authority to collect * Documentation showing how the account was matched and verified using accurate identifying information To date, sufficient validation has not been provided. I am requesting : 1. Full validation of the alleged debt 2. Documentation supporting collection authority 3. Immediate correction or deletion of any inaccurate reporting associated with this account This matter may involve violations of the Fair Credit Reporting Act and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I accidentally sent {$280.00} to the wrong Cash App recipient. I called in moments later after the transaction was sent after realizing it sent to the wrong person. Cash App told me to request a refund from the recipient and file a dispute that can take XXXX business days. The recipient did not send my money back, Cash App did not stop or cancel the payment, Cash App denied my dispute after XXXX days. Cash App did not help me in any way possible to stop payment, cancel payment, or reverse payment. Ive had Cash App for years with this being the first time ever filing a disputes sending money to the wrong recipient and Cash App failing to help its customer. XXXX asked for Cash App to provide me information on the recipient to file charges and they did not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
I disputed unauthorized debit card transactions from XXXX XXXX XXXX in XXXX, XXXX. The first transaction was for {$310.00} on XX/XX/2026. A second separate transaction for {$340.00} occurred on XX/XX/2026. A foreign transaction fee was also charged. I was not physically located in XXXX at the time of these transactions and did not authorize them. I filed disputes for both transactions through the companys dispute process. The companys own records show XXXX separate disputes were opened : * XX/XX/2026 dispute for the {$310.00} transaction * XX/XX/2026 dispute for the {$340.00} transaction Both disputes were later marked XXXX. The merchant later issued a partial refund of {$320.00}, and the company also applied a {$25.00} adjustment credit. Despite this, the company denied the remaining disputed amounts. I requested investigation findings, merchant authorization records, authentication information, device/IP/location data, and documentation showing how the transactions were determined to be authorized. The company refused to provide additional investigation details and repeatedly stated there was no further information to provide. The company also provided inconsistent explanations during the dispute process. In XXXX email, the company stated that both disputed transactions occurred in XXXX, even though the companys own dispute records clearly show a separate dispute opened on XX/XX/2026 for the XXXX transaction. I am submitting screenshots of the dispute records, transaction history, and email communications supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/year> I put in a dispute with chase credit card because there were a few purchases that I didn't buy and wasn't even sent to my address they told me that the disputed amount was XXXX and the purchases were made in XXXX XXXX and they said that it could take up to a year to get the refund and about XXXX months later they told me that I was responsible for the purchases and I asked them for proof that I purchased the stuff and they couldn't provide me proof and they also told me that they would issue me a new card which I have never received and I called them a number of times about it and they keep changing the card number on XXXX and it was a chase XXXX card and they said that there final conclusion is that I'm responsible for the purchases and they keep offering me a chase business account but I'm just a consumer I don't own any business

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation