vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to charge {$4.00} to a XXXX XXXX XXXX card with a balance of {$46.00}. The payment was not accepted. I called the customer service number on the back of the card. They said that the card was put on hold, and they could not reactivate it. They said the only recourse was to give them our address so they could send us a new card. I refused, since someone was able to purchase the card and give it to me as a gift without providing personal information such as address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my Chase XXXX XXXXXXXX XXXX card was used for XXXX unauthorized XXXX transactions totaling approximately {$83000.00}. These transactions were not authorized by me. The individual responsible obtained photographs of my credit cards without permission and used the card numbers to place orders through XXXX. The transactions were card-not-present purchases, and the deliveries were sent to an address that is not associated with my account. The individual responsible, XXXX XXXX, has since been charged with XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, South Carolina in connection with this activity. XXXX XX/XX/XXXX : First fraudulent XXXX transaction occurred. XX/XX/XXXX : XXXX was discovered after similar activity appeared on my personal credit cards. Same day : The Chase XXXX XXXXXXXX XXXX card was cancelled. Next day : A fraud dispute was filed with Chase. Within XXXX week : A police report was filed and provided to the bank. During the investigation : Chase issued temporary credits while reviewing the claim. XX/XX/XXXX : Chase denied the fraud claim and determined that the transactions were valid. The transaction history reflects multiple indicators commonly associated with unauthorized activity, including : more than XXXX transactions with a single merchant that had never previously been used on the account rapid transaction velocity, including more than XXXX transactions in the final XXXX days card-not-present purchases deliveries to an address not associated with the cardholder Despite these indicators, I did not receive fraud alerts from the bank during the period the transactions occurred. I also experienced similar fraud on my personal credit cards involving the same individual, and those claims were approved by the issuer. However, the fraud claim on my business credit card was denied without a meaningful explanation of how the transactions were determined to be authorized. To protect my credit while the dispute was pending, I paid the balance associated with the disputed charges. As a result of the banks refusal to reimburse the fraudulent transactions, I have incurred approximately {$83000.00} in losses. I am requesting that the bank reopen the fraud investigation and reimburse the unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX landline ( XXXX ) XXXX cell XXXX ( XXXX ) XXXX cell XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Dear Sir/Madame : We have savings account in XXXX XXXX from Webster Bank XXXX XX/XX/XXXX, account XXXX XXXX XXXXXXXX. For now, account balance has to be about {$120000.00}. On XX/XX/XXXX, weve got e-mail form Webster Bank about attempt of unauthorized activity on our account, so this account was frozen. We have a lot of conversations with Webster Bank employes, and they advise us, for security reason, to open another account and transfer funds to the new account. We agreed with this decision, the new account was created, and our money was transferred to this account. On XX/XX/XXXX, weve got a statement for the new account ended XXXX, but we dont know full account number, we do not have access to this account, and we are not able to make any operations with our money. We made numerous calls to XXXX XXXX, we spoke to supervisors, XXXX XXXX XXXX XXXXXXXX, XXXX got a lot of promises, but situation didnt change still - our account is locked still. So, we need your help to solve it. SincerelXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, Experian/Portfolio Recovery Associate I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Security Credit Services XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: PA

Complaint narrative:
On XX/XX/year>, I entered into a lease agreement financed by Koalafi to purchase furniture from XXXX XXXX XXXX in XXXX, Pennsylvania. Shortly after the furniture was delivered, I realized that the furniture does not properly fit in my home. I contacted the store the same week to request an exchange for furniture that would fit my space. The store refused to help or offer any reasonable solution. I made the request immediately in good faith, but the merchant has ignored my concerns. I should not be required to continue making payments for furniture that can not be used in my home. The merchant failed to resolve the issue despite being notified promptly. I am requesting that Koalafi investigate this situation and stop the payment obligations until the issue is resolved with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Car was XXXX on XX/XX/year>. They demanded payment be in full of XXXX by XX/XX/XXXX. I mailed a check out in that amount that was delivered and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. This was to the address they provided, and they let me know to put my account number in the memo line of the check which I did. I called to give tracking number of check, then even called letting them know it was delivered. For XXXX weeks I was told to give it a few days because payment hadn't posted yet. It needed time for it to be posted. I asked for a hold on the vehicle because they kept saying it was still " processing ''. After talking to management, and then after XXXX and XXXX weeks I was told by management that the case would be escalated. Every person was saying something different. Now the check is unable to be located, in order to cancel the cashier 's check, it can take another 90 days, plus extra costs of up to {$1000.00} to cancel the check, and they won't honor the check that THEY lost. I faxed over a photo of the cashier 's check with account number, the bank credit copy, and also the fed ex proof of XXXX XXXX signing this check was received. I attempted to resolve this debt and get the vehicle back and now can't offer me anything. I also have calls recorded of run arounds, and different answers being given and XXXX lady even stated this happens quite frequently that checks are " lost ''. I was told they would cover costs to cancel check and then now people are saying they won't. It's as if sorry it's not our fault, multiple people have stated maybe it was " lost '' in the mail, but it shows it was received. Ever since XX/XX/year>, I've called every single day, if not twice a day. Every person says the last person was telling incorrect information. I even started recording phone calls in the last week. I demanded that I receive proof that my vehicle is even still on hold, and until this is resolved it be held, they said they most likely couldn't do this, in email. They should have to honor their mistake, now it has hit my credit report as a charge-off; when I in fact sent the check in time. So not only have I been out of a car for over a month now, but in order to even cancel the cashier 's check it would be another XXXX days, and they couldn't even state if they can hold the vehicle that long, which I said I won't cancel a missing " check '' that will cost me more if there is no assurance of where this vehicle is. Also, to wait 90 days and have a check re-issued for it to be lost again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX * * * XX/XX/XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * XX/XX/XXXX {$1900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX {$970.00} XXXX XXXX Experian , XXXX XXXXXXXX XXXX XXXX XXXX XXXX * * * XX/XX/XXXX {$1900.00} XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX SecurityCred/Oportun XXXX * XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * XXXX XX/XX/XXXX {$740.00} XXXX yrs XXXX mo Transunion XXXX XXXX XXXX * XX/XX/XXXX {$1300.00} XXXX XXXX mo XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX * * XX/XX/XXXX {$360.00} XXXX yrs Experian , XXXX XXXX XXXX XXXX XXXX * * XX/XX/XXXX {$33000.00} XXXX yrs XXXX TXXXX XXXX XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX {$690.00} XXXX yrs XXXX mo XXXX XXXXXXXX XXXX XXXX * * * * XX/XX/XXXX {$190.00} XXXXXXXX XXXX, Experian , XXXX XXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX * * * XXXX XX/XX/XXXX {$9800.00} XXXXXXXX XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XXXX XXXXx, Experian XXXX XXXX * * * XXXX XX/XX/XXXX {$2200.00} XXXX XXXX, Experian XXXX XXXX XXXX XXXXXXXX * * * * XX/XX/XXXX {$860.00} XXXX XXXXXXXX XXXX, Experian , XXXX XXXX XXXXXXXX * * * * XX/XX/XXXX {$330.00} XXXX XXXXXXXX XXXX XXXX Experian , XXXX XXXXXXXX XXXX * * * XX/XX/XXXX {$190.00XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX * * * * XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX, Experian XXXX XXXX XX/XX/XXXX {$1700.00} XXXX mo XXXX, Experian , 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 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This complaint serves as formal notice under 15 U.S.C. 1692c ( c ) and documents the debt collectors receipt of a cease-communication and credit reporting demand.

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 2026-03-13 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
State: MT

Complaint narrative:
Claim Dispute XXXX XXXX XXXX Chime Banking Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$950.00} On XX/XX/XXXX, XXXX I noticed an unathorized transaction on my bank account with Chime. The transaction was paid to a merchant called XXXX XXXX XXXX in XXXX XXXX CO. I contacted the merchant and he explained that someone had stolen his information and was opening fraudulent accounts and stealing credit/debit card information from others and charging it to said account. He contacted the authorities and that account has been closed. I reported my dispute with my bank account three times. With all the evidence that I have been able to get to prove that this was not my charge. I have police reports and screenshots of the conversations between the original ( correct ) merchant but Chime has denied my dispute three times. I have doubts that Chime is thoroughly looking through my claims or evidence. Here is all my information including police reports. XXXX XXXX Police Report : XXXX XXXX XXXX Police Report : XXXX I would appreciate any help with this issue. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To Whom It May Concern, This letter is sent in response to your reporting of the above referenced account on my credit file. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I dispute the validity of this debt and request that your office provide competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history beginning with the original creditor. Documentation proving that your company has been legally assigned or purchased the debt. Proof that the statute of limitations has not expired. Proof that your company is licensed to collect in my state. Verification that the amount reported to the credit bureaus is accurate and complete. If your office can not provide the documentation requested above, you must : Immediately cease all collection activity Delete this account from all credit reporting agencies Provide written confirmation of the deletion Please note that reporting unverified information to any credit reporting agency may constitute a violation of federal law. Until proper validation is provided, you must cease collection efforts and cease reporting this account. All future correspondence regarding this matter must be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 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: NV

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency Jeffersoncapital, XXXX XXXX XXXX, Account number : XXXXXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
There are XXXX different collection agencies with XXXX different amounts reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please assist me with contacting Equifax to resolved this matter as I am writing to formally dispute and demand the immediate blocking and removal of fraudulent information that is currently being reported on my consumer credit file. The following account does not belong to me and may be the result of XXXX XXXX : Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX Reported : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
thy sued me and i got a lawyer and this got dismissed and closed. they are still reporting this on my credit and this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FEDChex Recovery, LLC
State: IL

Complaint narrative:
They called at XXXX XXXX and they have been repeatedly calling me at least 10 times per day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems keeps calling, texting, and emails. I have asked them to stop, but I keep getting spam I also sent Transworld Systems a validation or debt. They were unable to validate correctly. Transworld only sent me a past due bill from original creditor. They were unable to verify any other information or right to collect on debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo Technology US Inc
State: TX

Complaint narrative:
XXXX, I am writing to formally escalate a complaint regarding a transaction that is severely delayed. Amount : XXXX dollars Recipient Bank/Mobile Money : XXXX bank XXXX XXXX XXXX : XXXX XX/XX/XXXX It has been three business days since I initiated this transfer. The app status is still showing as " In-progress ''. This delay is causing significant inconvenience, and I request that this be investigated immediately. LemFiLemFi +2 If the transaction can not be completed within 24 hours, I request that you cancel it and refund the full amount to my account. Attached is proof of the debit from my bank account. I expect a prompt update. Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
The central portfolio control has never once tried contacting me ; but they have called my stepfather trying to collect a debt from me last week, and then today, XX/XX/XXXX at XXXX pm asking about collecting a debt from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I would like my information to state, I sold my home and take off all late payement and other negative information on this acccount as of XX/XX/year>.

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