vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: NV

Complaint narrative:
On XX/XX/year>, a payday lender ( XXXX XXXX XXXX ) created and deposited a remotely created check in the amount of {$190.00} against my JPMorgan Chase account. The check states No Original Signature Required. I did not sign a check and disputed the transaction as an unauthorized remotely created check. Chase refused to open a formal dispute and stated that because I had previously done business with the merchant and provided my bank account information, the transaction was considered authorized. Providing bank account information does not constitute blanket authorization for the creation of remotely created checks. I specifically disputed the transaction as an unauthorized remotely created instrument. Chase declined to conduct a formal investigation and did not require the merchant to produce clear and specific authorization for the payment instrument used. I am requesting : A formal investigation into the XX/XX/year> remotely created check Reimbursement of {$190.00} Written findings of the investigation I am requesting CFPB assistance to ensure Chase properly investigates this disputed remotely created check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Klover Holdings, Inc.
State: NY

Complaint narrative:
Sometime In XXXX the company took {$420.00} from me leaving me with an In correct amount I asked for a refund multiple times and they didn't and now have it dispute with my bank

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my second submission regarding this matter. My original complaint ( Wells Fargo Claim # : XXXX ) remains unresolved, and the disputed funds have not been fully reinstated. On XXXX XXXX XXXX my debit card was used for more than 10 unauthorized online transactions with the merchant XXXX within approximately 510 minutes. All transactions were conducted in a card-not-present environment. I have never had a XXXX account and did not authorize any of these charges. I reported the fraud to Wells Fargo within the same hour of discovering the transactions. The bank initially issued full provisional credit. Subsequently, Wells Fargo reversed most of the provisional credits, stating verbally that the transactions were authorized because I retained physical possession of my debit card. This explanation is insufficient for online transactions. Physical possession of a debit card does not establish authorization in a card-not-present environment. I requested written documentation supporting the banks determination, including device identification data, IP address records, authentication methods, and evidence linking the transactions to me. Wells Fargo did not provide this information. Notably, the bank determined that XXXX transaction ( {$420.00} ) within the same transaction cluster was fraudulent, while deeming the remaining transactions occurring within the same minutes and with the same merchant to be authorized. No explanation for this inconsistent determination has been provided. I respectfully request supervisory review and expedited resolution, as this matter has caused ongoing financial hardship. I am requesting that Wells Fargo comply with Regulation E by reinstating all reversed provisional credits and providing documentation supporting any claim of authorization.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
1. On XX/XX/XXXX, Fco contacted me via email about a debt I paid in full in XXXX XXXX. FCO said I had until XX/XX/XXXXXXXX to dispute the debt or request verification. 2. On XX/XX/XXXX, I requested via the FCO website validation of the debt and explained I had already paid the outstanding amount. I requested that FCO contact me via email. I never received a response from FCO. Not by email, regular mail or even a phone call. 3. On XX/XX/XXXX, I received a notification that a derogatory mark was made to my credit report because of the FCO debt - even though FCO never reached out to me following my XX/XX/XXXXXXXX correspondence. 4. On XX/XX/XXXX, I again requested that FCO provide proof that I owed the debt. 5. On XX/XX/XXXX, FCO offered to settle the debt ( without me asking ) for 20 % off. I believe this is an admission that they are fully aware they violated my rights. However they have not offered to remedy the credit report issue. They clearly violated my rights and I need this remedied immediately. I am diligent in checking my mail, email and calls and at no point prior to my second request ( after they already destroyed my credit ) did FCO contact me other than on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
Cross Country Mortgage has previously missed a payment to my homeowners insurance. When this was sorted out previously I was told that it was a simple issue of having the wrong PO box address. I can not recall if the issue was the PO box my insurance provider had, or the one cross country had. This was sorted out by myself contacting the two companies until the amount was paid by Cross Country. Now this has happened again. When trying to contact Cross Country Mortgage I have been unable to get through to anyone except a front desk receptionist. I have left 3 messages, per Cross Country 's directions, for a call back. ON XX/XX/year> I left a message with an automated XXXX XXXX and the front desk. I was told I would hear from the correct department in a few days. I have not as of today heard back. I called back today, left another message with the front desk, and was told I could not be transferred by the front desk to anyone, nor could I receive a direct line. I have already paid this money to Cross Country with my monthly mortgage payments. They have not paid my insurance provider as agreed and I have no way of contacting them. At this point they are mishandling my money with no way of speaking to anyone, and shown no care in getting back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
Validation of Debt Request - HUNTER WARFIELD/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
My tax return was deposited into the account at synchrony bank I still have not received my debit card I linked a XXXX XXXX XXXX account successfully to the synchrony mobile app initiated a transfer from thier app they gave canceled the transfer 2 times now I have no access

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made a purchase for a computer drive on XXXX for the amount of {$760.00} via Synchrony Bank 's PayPal Cashback Mastercard. I cancelled the order immediately after making in on XX/XX/year>. The cancellation was rejected and the seller sent out the package anyway on XX/XX/year>. I immediately initiated a return on the same day which was also rejected. The seller ignored my messages and a few days later closed their XXXX account. The trracking number I was provided went to a different name and address within my town of XXXX, NC via XXXX. When I called XXXX to determine where it was sent, they asked for my name and address that I provided the seller. I did and they said they could not divulge where it was sent because my name and address were not associated with that tracking number. Also, the delivery photo clearly shows an envelope being delivered to a different house than my own. Synchrony 's dispute department claimed that because it was delivered to XXXX, NC that that constituted delivery to me. I've asked them what proof do they have that it was delivered to my given address, and they refused to answer the contradiction and only would reopen the dispute for a third time. Everyhing I claim was documented with screenshots and mailed to their XXXX XXXX and they are still refusing my disputed claim.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wrote check to XXXX XXXX XXXX XXXX for home property taxes ( due XX/XX/XXXX ) on XX/XX/XXXXXXXX for {$31000.00} ( check number XXXX on Wells Fargo checking account ). The check was mailed, intercepted and materially altered ( washed ). The payee name was changed to an unauthorized individual and the handwriting was forged. The back of the check was fraudulently endorsed as well. We discovered this alteration on XX/XX/XXXXXXXX when the mortgage company notified us that XXXX XXXX had notified them of the missing payment ( we had not heard from XXXX XXXX yet ). We reported the fraud to Wells Fargo the same day ( XX/XX/XXXX ) and Wells Fargo opened an investigation. Wells Fargo later told us verbally that the check had been deposited at a XXXX branch location and Wells Fargo was going to investigate further. We received a first denial, sent an appeal letter ( certified ) to Wells Fargo headquarters and hand delivered the same appeal letter to our local branch. We received a second denial letter. We have called Wells Fargo at least weekly since XX/XX/XXXX XXXX have been met with resistance. We also filed a complaint with the state, citing the XXXX XXXX XXXX XXXX, XXXX. We had to pay XXXX XXXX with a new check and incurred a late fee, bringing our total loss to {$32000.00}. We have filed a police report with the XXXX XXXX ( Georgia ) police department who has contacted Wells Fargo. We gave the name of the unauthorized name on the check and agreed to press charges. Upon advisement by XXXX, we have also filed a FTC complaint.

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 2026-03-03 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: Chime Financial Inc

Complaint narrative:
I have a bank account with chime who have been banking with for some time now and not had no problems but then all of a XXXX received my taxes on XX/XX/year> about XXXXXXXX XXXX in the afternoon by about XXXX or XXXX XXXX that night there was 14 charges XXXX XXXX XXXX XXXX for different amounts that come through my account I called y'all told me to wait till it was settled and call back so I called you back the morning of the XXXX you then filed a dispute for me I went to sleep for 3 hours I woke up and there is 16 different chargebacks for different amounts done on the XXXX at XXXXXXXX XXXX all of them are done at that time I've called I've tried to file a dispute with y'all you tell me I can not dispute chargebacks which is a lie you will not help me get my money back for the chargebacks the afternoon of the XXXX when I called y'all back to dispute the chargebacks the lady I talked to then was going to help me but I got disconnected from her I've called every day since and I called today which is XXXX the XXXX and I talked to seven different customer service reps there three of them agreed the chargebacks were different and said I could file a dispute for them the rest of you didn't know what you was talking about you told me they were part of the XXXX XXXX and they are not and then you hang up on me after I talk to seven different people I want my money back that's all I'm asking for is my money back because somebody took XXXX out of my checking account and you can't tell me where it went and you will not help me get it back the XXXX for the XXXX XXXX y'all return to me the XXXX that was taken after the XXXX XXXX you are telling me I can not dispute them somebody needs to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
* * * This is my 5th attempt to resolve this issue with this collection company * * * I am submitting this report as a formal Identity Theft Report under the Fair Credit Reporting Act. I discovered that Spring Oaks Capital , LLC is reporting a fraudulent collection account on my credit reports in the amount of approximately {$16000.00}, allegedly originating from XXXX XXXX. I did not open, authorize, or benefit from this account. I have no knowledge of this account and did not sign any agreement related to it. Any documentation associated with this account is fraudulent and not authorized by me. I notified the credit reporting agencies and the furnisher that this account is the result of identity theft. Despite my notification, the account continues to be reported. This account was opened using my personal information without my knowledge or consent. I am a victim of identity theft and request that this account be blocked and removed pursuant to 15 U.S.C. 1681c-2. I affirm under penalty of perjury that this statement is true and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation