vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an inaccurate and improperly calculated debt being reported and/or collected by Pro Collect , Inc. on behalf of XXXX XXXX at XXXX ( XXXX, NC ) XXXX This account is disputed in full. During my tenancy, I experienced ongoing billing discrepancies, including being charged an incorrect rental rate that did not reflect the agreed-upon terms. Despite repeated attempts to resolve the issue through email, phone calls, and in-person visits, the property management failed to correct the errors or provide proper documentation, including a copy of my lease. Due to system limitations ( Flex payment system ), I was forced to make payments that exceeded the correct amount, resulting in overpayment. These overpayments were not properly credited. Additionally, I was unable to access my lease documents despite multiple requests, and management failed to provide clear accounting of charges. As a result of these unresolved issues and continued overbilling, I was forced to vacate the property. After vacating, the account statement reflects additional charges, including rent, utilities, and fees applied AFTER my move-out date. These charges are improper and disputed. The ledger provided contains inconsistencies, including reversals, re-posted charges, and failure to properly apply payments and credits, making the alleged balance inaccurate and unreliable. Furthermore, I incurred significant damages as a result of this situation, including : Over {$3000.00} in relocation expenses Lost income due to missed work Additional out-of-pocket costs Emotional distress and disruption Despite these facts, the account has been sent to collections and/or reported to credit bureaus.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Transaction Request for Immediate Refund Dear Cash App Support, I am writing to formally dispute an unauthorized and fraudulent transaction that occurred on my Cash App account. On XX/XX/year>, a transaction in the amount of {$1700.00} was withdrawn from my account without my knowledge or authorization. The funds were taken by an individual identified as XXXX XXXX, who has since changed their name on the platform to XXXX XXXX. I want to make it clear that I did not authorize this transaction, nor do I know this individual. This incident occurred shortly after I received my refund, leading me to believe that my account was compromised. Immediately upon discovering the unauthorized activity, I filed a report with the XXXX Police Department. The details are as follows : Agency : XXXX Police Department Report Number : XXXX Officer : Deputy XXXX XXXX XXXX Badge # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Phone : ( XXXX ) XXXX This fraudulent transaction has caused me significant financial distress. I am respectfully requesting that Cash App conduct a thorough investigation into this matter and promptly reverse the unauthorized transaction, restoring the full amount of {$1700.00} to my account. As a financial service provider, Cash App has a responsibility to ensure the security of its users and protect against unauthorized access and fraudulent activity. If this matter is not resolved in a timely manner, I am prepared to escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional remedies available to me. I appreciate your immediate attention to this serious matter and look forward to a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I contacted PayPal inc on regards to multiple fraudulent ATM withdrawals from my PayPal debit card attached to my PayPal account that recieves direct deposit. On XX/XX/year> I explained over the phone what charges were mine and pointed out the multiple atm withdrawals taken out one after another on : XX/XX/year> ( ( 3 ) : {$80.00}, {$160.00}, {$160.00} ), XX/XX/year> ( ( 3 ) : {$80.00}, {$160.00}, {$160.00} ) and, XX/XX/year> ( ( 2 ) : {$200.00}, {$200.00}. ). PayPal denied all of my attempts at obtaining a refund with the exception of the latest charge of {$200.00} on XX/XX/year>. PayPal could not provide me with withdrawal locations so I can create a police report in the proper jurisdictions. They did not give me much help in regards to what can be done to solve the issue. I feel The denial letters by paypal do not accurately portray the reality of the charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home depot/citibank removed my method of payment without notice.Stopped emailing my up coming payment date and statement. Started sending me emails saying I missed a payment and charging me {$40.00} late fees. This is obviously deliberate to profit from late fees. XXXX, XXXX, XXXX and XXXX XXXX. I have always paid promptly, more then the minimum. Lastly, I opted out to close the card because they decided to raise the interest rate so much it was not sustainable. In my opinion their business practices are criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not liable for this debt if XXXXwith Jefferson capital system acct # XXXX. I do not have a contract with Jefferson capital systems they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: GA

Complaint narrative:
My check had stop from SSI because my mail came back. Then I went to SSI got it straight and changed to correct. They put my money on direct express card for this month. They had closed my car sent another. Ask for my ID I sent that 4 times. Still haven't released my money. I have XXXX and need for my medication. And bills. Causing me go in hospital. I did everything they ask, still have not got my money. I have XXXX XXXX. Can bearly talk or do anything. I don't need this right now. My money going to my XXXX account next month. I need my funds from my SSI released. Sent copies of my ID. I have everything I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint because JPMorgan Chase Bank has failed to properly investigate and resolve a large-scale unauthorized electronic fund transfer ( EFT ) claim despite multiple formal disputes and a prior CFPB complaint. Between XX/XX/XXXX and XXXX, approximately {$500000.00} was withdrawn from my Chase accounts through unauthorized transactions, including ACH debits, XXXX transfers, internal transfers, and payments to XXXX credit card accounts. These transactions are inconsistent with my normal account activity and were not authorized by me. I timely reported this fraud and submitted formal written disputes under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I also provided detailed documentation, transaction breakdowns, and a formal demand for records including device logs, IP addresses, ACH authorizations, XXXX data, and internal investigation notes. Chase initially issued partial provisional credits but failed to investigate the full scope of the unauthorized activity. Instead, the bank improperly narrowed my claim to isolated transactions and ignored the broader pattern of unauthorized transfers exceeding {$500000.00}. Chase has refused to provide any of the documentation or evidence it relied on to determine that the transactions were authorized. It has not produced device data, login records, or authorization proof despite repeated requests. Additionally, Chase reversed provisional credits without proper explanation, which caused my accounts to become overdrawn and resulted in financial harm. My accounts currently reflect negative balances due to these actions. A forensic review of my accounts demonstrates a clear pattern of unauthorized activity, including duplicated transactions, unauthorized internal transfers, unauthorized XXXX credit card payments, and the unexplained closure of a savings account with missing funds. Despite being placed on notice and given multiple opportunities to correct these issues, Chase has failed to conduct a reasonable and good-faith investigation as required under Regulation E. I am requesting that Chase be required to : ( 1 ) conduct a full investigation of all disputed transactions, ( 2 ) provide all supporting documentation and authorization evidence, ( 3 ) refund all unauthorized transfers, ( 4 ) restore my accounts and reverse all fees. This complaint is being submitted due to Chases continued failure to comply with federal law and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CO

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
COLLECTIONS PROFESSIONALS HAS ILLEGALLY CHANGED THE CLOSED ACCOUNT FROM CLOSED TO OPEN, IN XX/XX/year>, WHICH HAS SIGNIFICANTLY DROPPED MY MY CREDIT SCORE OVER XXXX POINTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Creditor : Exeter Finance Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$28000.00} This account is the result of identity theft and was not opened, authorized, or signed for by me. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Under FCRA 605B, this account must be blocked and removed from my credit file immediately. Additionally, I am demanding validation under FCRA 609 ( a ) and 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint to request the CFPBs assistance and oversight regarding repeated unauthorized transactions and Capital Ones handling of my accounts and disputes. In XXXX, Capital One closed my account ending in XXXX without providing proper notice. Prior to the closure, I had contacted the bank multiple times regarding unauthorized transactions. Even though I raised concerns about suspicious activity, my claims were denied and my account was eventually closed instead of the bank taking steps to protect my funds. After this account was closed, I opened another anccount XXXX checking account with Capital One ending in XXXX. Unfortunately, the same issue has happened again. There have been multiple unauthorized and fraudulent transactions, suggesting that my debit card and possibly my PIN or personal banking information may have been compromised. I believe there has been a serious breach of my account security, which allowed unauthorized withdrawals to occur. These transactions have resulted in significant financial loss. My direct deposits, ATM deposits, and other funds have been gradually withdrawn without my authorization. The total amount involved exceeds {$16000.00}, including a check for {$6600.00} and several other withdrawals and transactions that I did not authorize. I work very hard to support my family and my daughter, and it is extremely concerning that my accounts have been repeatedly compromised without adequate protection from my bank. When I try to contact Capital One to report these issues, I have not received meaningful assistance or resolution. Because of the seriousness of these events, I respectfully request that the CFPB XXXX and review the entire investigation related to my accounts, including : All transactions related to accounts ending in XXXX and XXXX How these unauthorized transactions were approved Whether there was a breach of my personal banking information Why my previous disputes were denied Why my account was closed instead of resolving the fraud I am requesting a full investigation, reimbursement of the unauthorized transactions, and assistance ensuring that my financial information and accounts are properly secured moving forward. Thank you for your attention to this serious matter. XXXX. {$3700.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$5900.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$7200.00} ( Account ending XXXX with a claim # : XXXX XXXX. {$1600.00} ( Account ending XXXX with a claim # XXXX Total disputed amount {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX checking Account # XXXX ( CLOSED ) by CapitalOne Bank XXXX checking Account # XXXX ( ACTIVE )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reporting on my credit files with Experian , Equifax, and TransUnion, which remain on my reports despite repeated disputes and prior notifications. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reported as Late Closed with a {$0.00} balance on Experian ( XXXX ), Equifax ( XXXX ), and TransUnion ( XXXX ), in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 607 ( b ) 15 U.S.C. 1681e ( b ), which require accurate reporting and reasonable reinvestigation. The collection accounts XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$860.00} on Experian and {$860.00} on Equifax and TransUnion are inaccurate, unverifiable, and unsupported by documentation, violating FDCPA 808 15 U.S.C. 1692f, 807 15 U.S.C. 1692e, as well as FCRA 623 ( a ) ( 1 ) ( A ), 611, 609 ( a ) ( 1 ), and 604 ( a ) ( 3 ). Multiple unauthorized inquiries remain on my reports without my consent, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion, which were obtained without my authorization and lack a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). I am exercising my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act to demand the complete removal of all these Late Closed accounts, collection accounts, and unauthorized inquiries from my credit files, as they misrepresent my financial history and cause demonstrable harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reporting on my credit files with Experian , Equifax, and TransUnion, which remain on my reports despite repeated disputes and prior notifications. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reported as Late Closed with a {$0.00} balance on Experian ( XXXX ), Equifax ( XXXX ), and TransUnion ( XXXX ), in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 607 ( b ) 15 U.S.C. 1681e ( b ), which require accurate reporting and reasonable reinvestigation. The collection accounts XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$860.00} on Experian and {$860.00} on Equifax and TransUnion are inaccurate, unverifiable, and unsupported by documentation, violating FDCPA 808 15 U.S.C. 1692f, 807 15 U.S.C. 1692e, as well as FCRA 623 ( a ) ( 1 ) ( A ), 611, 609 ( a ) ( 1 ), and 604 ( a ) ( 3 ). Multiple unauthorized inquiries remain on my reports without my consent, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX on Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion, which were obtained without my authorization and lack a permissible purpose, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). I am exercising my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act to demand the complete removal of all these Late Closed accounts, collection accounts, and unauthorized inquiries from my credit files, as they misrepresent my financial history and cause demonstrable harm to my creditworthiness.

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 2026-03-17 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: TX

Complaint narrative:
I am not liable for this debt if XXXX with midland credit management acct # XXXX. I do not have a contract with midland credit management they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Company filed the car as written off with the irs but still say I owe and have not provided me proof of it being a write off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedar Business Services a third party debt collections company reached out claiming I had an owed balance of {$360.00}. They claimed the original creditor was XXXX XXXX XXXX. After speaking with XXXX XXXX XXXX utilities it came to the conclusion that I had no record of having any type of association with them as Ive never lived or been to XXXX. Ive been called Cedar business services and we confirm they had the wrong information on me and the debt was associated with another Social Security number and drivers license number not me. This derogatory remark appeared on my credit report dropping my credit score by 30 points which is very concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation