vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a formal dispute regarding two unauthorized charges : one from an alarm service and one from an insurance company totaling approximately {$310.00}. Despite having previously terminated these services, the charges were processed without my authorization, pushing my account into a negative balance. While the bank refunded the initial overdraft fees, they have failed to provide a provisional credit for the disputed amounts. Under Electronic Fund Transfer Act ( Regulation E ), the bank is required to provide a provisional credit within 10 business days if the investigation is not complete. It has now been over 30 days. I have spent multiple hours on hold and reached out to the bank numerous times to resolve this. The bank has been inconsistent in their communication and has failed to meet their legal obligations regarding dispute timelines. I am no longer able to spend hours on hold for an error I did not cause.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as formal notice of my intent to pursue legal action for violations of the Fair Credit Reporting Act arising from the continued reporting and verification of inaccurate and unverifiable information related to the repossession account being furnished by XXXX XXXX XXXX XXXX. I previously disputed this account with the consumer reporting agencies and sent certified correspondence directly to the furnisher requesting documentation supporting the alleged deficiency balance and repossession reporting. Despite receipt of my dispute, no substantive response or supporting documentation has been provided. Specifically, I requested : * Notice of default/right to cure * Repossession notice * Notice of sale * Commercially reasonable sale documentation * Deficiency balance calculation * Complete payment history/ledger * Signed contract or security agreement To date, none of these documents have been produced. Nevertheless, the consumer reporting agencies continue to verify the account as accurate. This raises serious concerns regarding the reasonableness of the investigation conducted pursuant to FCRA 611 and the accuracy obligations imposed under FCRA 623. By continuing to report and verify information that has not been properly substantiated after notice of dispute, you may be liable for, including but not limited to : * Failure to conduct a reasonable investigation * Reporting inaccurate or incomplete information * Failure to maintain reasonable procedures to assure maximum possible accuracy * Negligent and/or willful noncompliance with the FCRA I am demanding the following within 15 days of receipt of this letter : 1. Immediate deletion of the disputed tradeline from all consumer reports 2. Written confirmation of deletion or correction 3. Disclosure of the method of verification used to verify this account, including : * Name of the verifying party * Date and manner of verification * Documents reviewed * Contact information of the furnisher representative or system relied upon If these issues are not resolved, I am prepared to pursue all available remedies, including : * Filing additional complaints with the Consumer Financial Protection Bureau * Complaints with my state attorney general * Civil litigation seeking statutory, actual, and punitive damages, attorneys fees, and costs under the FCRA This letter is sent in good faith as a final opportunity to resolve this matter before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a business account with Chase Bank and terminate my employee in XX/XX/year> who was listed on the account XXXX XXXX called and went to Chase to advise he was terminated and no longer have access to my account. I went to the branch on XX/XX/year> and had him removed and asked of i needed to get new account. I was advised no and to add a pin to prevent XXXX XXXX from gaining access to my account. On XXXX I sent XXXX to my business account from my XXXX Account and on XXXX {$650.00} again from my XXXX account to my XXXX bank account using XXXX. I have done this many times and XXXX er had any problems. XXXX never posted and I called XXXX, XXXX and XXXX to see where my money went. It took months and many calls and finally after a thorough investigation by XXXX they provided proof fund did leave XXXX and went to my business account Chase Bank. But XXXX deposited my funds not in the intended account. Somehow XXXX was able to intercept the funds and they deposited into his non validated business account he had with Chase Bank called XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. As soon as I saw the name listed on paperwork from XXXX I nee it was XXXX XXXX as that is the same name he had me to put on the bill of sale from the commercial truck sale. I contacted XXXX and advised went into the branch the confirmed the see the money did deposit to his account. They state I can not get my money as it went to intended person. That is not correct the intented person in the XXXX request stated my name XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and tha is not where the money was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: FL

Complaint narrative:
I am formally disputing a collection account being reported by Jefferson Capital that has not been properly verified, despite multiple attempts on my part to resolve this through the credit bureaus. This situation has become extremely frustrating, as I have followed the proper dispute process and allowed sufficient time for investigation, yet I continue to receive responses that do not meet the legal standard for verification. Jefferson Capital claims this account has been verified, but they have failed to provide any real or substantive proof that this debt belongs to me. I have not received any signed contract, agreement, or documentation showing that I personally opened or authorized this account, nor have I been provided with complete account records that clearly establish my responsibility. Simply providing basic information such as my name or address is not valid proof, as that information is easily accessible and does not confirm ownership of a debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a proper and thorough investigation and valid documentation confirming the legitimacy of any account reported under my name, which has not been done in this case. I can not continue to wait while inaccurate or unverified information negatively affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: NC

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged account being reported and/or collected by Tek Collect. I request immediate validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, Tek Collect has failed to provide competent evidence that I have any legal obligation for this alleged debt. Specifically, they have not provided : A copy of the original signed contract bearing my wet signature Proof that I agreed to assume this debt Complete payment history and accounting records Documentation proving Tek Collect has legal authority to collect on this account Chain of assignment showing ownership of the alleged debt Verification from the original creditor validating the accuracy of the account Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be accurate, complete, and verifiable. Reporting unverifiable information violates federal law, including but not limited to : FCRA XXXX ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy ( XXXX XXXX. XXXX ( b ) ) FCRA XXXX ( a ) Requirement to conduct a reasonable reinvestigation upon dispute ( XXXX XXXX. XXXX ) FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibition against furnishing information known to be inaccurate ( XXXX U.S.C. XXXX ) FCRA XXXX ( b ) Duties of furnishers upon notice of dispute FDCPA XXXX ( b ) Requirement to validate disputed debt ( XXXX U.S.C. XXXX ) FDCPA XXXX Prohibition against false, deceptive, or misleading representations ( XXXX XXXX. XXXX ) Because Tek Collect has failed to provide sufficient validation, including any document containing my wet signature proving contractual liability, this account remains unverifiable. Therefore, pursuant to the FCRA and FDCPA, I demand : Immediate reinvestigation of this account Deletion of the account from all consumer reporting agencies if proper validation can not be produced Written confirmation of the investigation results Cessation of collection activity until validation is properly provided If this matter is not corrected, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and to pursue all available legal remedies for violations of federal consumer protection laws. This letter serves as notice that I dispute the validity and accuracy of this alleged debt in its entirety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I signed up with Freedom Debt Relief with the understanding that they would negotiate with companies I owed money to and get a lower price. My monthly payment kept increasing and they only negotiated monthly payments on a few accounts. It hasnt even been a year and out of the {$9200.00} I paid them they paid themselves {$5400.00} in settlement fees. And another {$220.00} in fees. None of my debt has been paid and Im out {$9200.00}. I want my money back. This is a scam. They lie to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I am writing to formally dispute the collection account currently being reported under my name related to AT & T services. I am requesting a full investigation into this matter and the immediate removal of this account from all credit reporting agencies due to improper billing and reporting. An XXXX XXXX XXXX representative came to my home to install internet service. During the installation visit, the representative discussed additional options to lower my cellphone bill and enrolled me in services. Shortly after activation, I discovered the service did not properly work in my area. I only maintained the service for approximately XXXX days before contacting AT & T to cancel within the allowed cancellation period. At the time of cancellation, I spoke with an XXXX XXXX XXXX representative and was assured the account and services had been cancelled without further obligation. However, approximately XXXX month later, I received a bill for approximately {$200.00}. I immediately contacted AT & T regarding the matter and explained that the service had already been cancelled within the applicable timeframe and that the service was unusable in my area. Despite my attempts to resolve the issue, the account was later placed into collections and is now being reported on my credit reports. I dispute the validity and accuracy of this account and request that it be removed from all consumer reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Paid off the debt, requesting immediate credit report update

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
I was sent a live check by this company for {$1000.00} and I needed the money at the time. I only make {$1700.00} a month as a retired veteran. I have not applied for VA benefits but I do get my medical paid by the VA. I did not sign any papers because the interest rates were predatory, approximately 73 % APR, which I will upload a document verifying this. I told this company that I hired a debt consolidation company to pay off my debts which I'm doing right now. They keep harassing me constantly even after I've given them all the information to call the debt consolidation company. Now I received a letter from an attorney which I will include with my documents. I'll soon be XXXX XXXX XXXX, they are causing me so much stress that I'm having to go to the VA mental health facility. They keep this up I would like to get punitive damage for all the anxiety they have caused me. But really the only thing that I care about is that they stop harassing me because they will get their money to the debt consolidation company called XXXX XXXX. I gave them the creditors number to reach this company. The main thing is I just need them to stop harassing me and if they don't I want compensation because I have a lot of health issues and they're not making it any better. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Unifin Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against Unifin regarding repeated and excessive debt collection communications. The company continues to send me repeated text messages on a daily basis, which I consider harassing and excessive under the Fair Debt Collection Practices Act ( FDCPA ). The frequency of these communications has become disruptive and stressful. I am formally disputing this alleged debt and requesting proper validation of the debt. Unifin has not adequately provided sufficient proof that this debt legally belongs to me. Under the FDCPA, I am requesting that Unifin provide : * A complete validation of the debt * The name and address of the original creditor * The original account number * Documentation showing I am legally responsible for the debt * A copy of any signed agreement or contract connected to the alleged debt * A complete payment history and accounting of the balance * Proof that Unifin has legal authority to collect this debt I also request that the company cease excessive text message communications while this debt is under dispute. If the company can not properly validate the debt, I request that collection activity stop immediately and that any reporting associated with this account be removed or corrected. I am requesting the CFPB investigate this matter and ensure the company complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I received a letter addressed to my husband, naming he and I as liable for an alleged debt. I promptly responded to the company via their email portal and via certified mail that the debt was invalid and that me nor my husband would engage beyond this letter regarding the alleged debt. I encouraged them to contact the original credit and have them legally pursue recourse if they believed the debt was legitimate. From there, I did not receive any further communication until the collection was appended to my consumer credit reports on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am reporting Bank XXXX XXXX, XXXX. for systemic violations of Regulation XXXX ( XXXX CFR XXXX ) and abusive practices. For XXXX months, the bank has refused to honor sworn identity theft documentation, including FTC Report # XXXX and Police Report # XXXX, regarding theft and coercion by a domestic abuser. As of XX/XX/year>, the bank has denied liability for {$5600.00} in fraudulent transactions, erroneously claiming " authorization '' based on passcode use. This contradicts CFPB guidance. Furthermore, the bank is " cherry-picking '' claimsapproving small fraud transactions while denying high-value ones ( {$1800.00} and {$870.00} ) involving the same perpetrator and timeframe. IMMEDIATE HARM : The bank has allowed my accounts ( ending in XXXX and XXXX ) to fall into a combined negative balance of - {$1300.00}, effectively seizing my livelihood. I have spent over XXXX hours in branches and am currently at the XXXX branch ( XXXX XXXX XXXX ) with the XXXX XXXX, who is unable to provide relief. I have already filed a formal complaint with the XXXX and served the bank a Notice of Intent to XXXX for {$23000.00}. I demand an immediate reversal of the negative balances and the issuance of all withheld provisional credits.

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 2026-05-14 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 regarding JPMorgan Chase Bank , N.A . and the continuing unresolved handling of my XX/XX/year> unauthorized EFT / Regulation E dispute. This matter has now remained unresolved for approximately 208 days from my original written notice. Throughout this period : provisional credit was never issued ; hardship escalation requests were repeatedly communicated ; Executive Office activity continued after prior closure representations ; additional documentation continued being requested after prior closure representations ; claims/inquiries were repeatedly fragmented and reclassified ; and meaningful written clarification regarding investigative scope and review methodology remained unresolved. The continuing unresolved handling became increasingly confusing and contradictory. Executive Office communications acknowledged : that no provisional credit was ever issued ; that claims had been closed ; while simultaneously continuing discussing reopening/reconsideration review activity involving additional submitted documentation. This continuing unresolved handling occurred despite repeated customer cooperation, repeated document submissions, repeated requests for clarification, and repeated hardship escalation communications. The matter also involved : inquiry-style handling language ; changing claim references; continuing unresolved review-related activity after prior closure representations ; and continuing unresolved procedural inconsistencies throughout the handling process. I am requesting that CFPB associate this supplemental complaint with the existing complaint history and review the continuing unresolved Regulation E handling concerns connected to this same Chase dispute. This complaint is also intended to document the continuing unresolved refusal to issue provisional credit despite continuing unresolved review activity, continuing Executive Office involvement, continuing hardship escalation, and continuing customer cooperation over approximately 208 days.

Company response to consumer: Closed with explanation