vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I called into question the outcome of my current disputed request. I am inclined to believe the debt collector National Credit Systems, took actions common to misrepresentation of old information as though new. They were willful and unethical in actions to posit creditor as the errored, so too upon the CRA. Seemingly, National Credit System used false information to invalid demand for amount due. Well aware they are misinterpreted is a third-party duty under the plain meaning of FCRA. 

The balance due false, the person in-joint balance due is reported of a false identity to on all three credit bureau . With no correction made and now such false information on my file until XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue Type : Credit card Company : JPMorgan Chase Bank , N.A . 
Account : Chase Freedom credit card ending in XXXX What happened I am formally disputing personal liability for a Chase Freedom credit card account that Chase is asserting is a joint account. The account was opened in my late wifes name. I had no knowledge of this account at the time it was opened and did not apply for or authorize it. 

My wife passed away on XX/XX/year>. There is no probate estate. After notifying Chase of her death, I informed Chase that I dispute liability for this account and requested documentation showing that I personally applied for or accepted responsibility for the credit card. 

Despite multiple contacts with Chase customer service, the deceased account department, and an in-branch escalation, Chase has been unable to produce a signed credit card application, electronic application record, or any documentation demonstrating my authorization or acceptance of joint liability. 

Chase has acknowledged in writing that it is unable to provide the application or authorization documentation I requested. 

What concerns me Even though Chase can not substantiate my alleged joint liability, Chase continues to treat the account as if I am responsible for the balance and has taken actions that may adversely impact my credit. These actions include account changes and credit-related notices while the dispute remains unresolved. 

I formally disputed liability in writing on XX/XX/year>, pursuant to the Fair Credit Billing Act. Chase has not issued a written determination of liability and continues to assert responsibility without proof. 

This unresolved issue is creating ongoing risk to my credit profile and is particularly concerning because I am in the process of converting a construction loan to a permanent mortgage. 

What I want resolved I am requesting that Chase be required to do one of the following : Provide documentation establishing that I personally applied for or authorized this credit card account and accepted joint liability, or Remove my name and credit reporting associated with this account due to Chases inability to substantiate liability. 

I am also requesting that Chase cease any adverse credit reporting or collection activity related to this account while the dispute is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have already made a complaint to CFPD Complaint ID XXXX I sent the settlement offer to the debt collector that the debt collector told me they would settle for to get my truck and title back on XX/XX/XXXX. I was told to check with the auction place that has the truck to make sure that they got the email for them to release the truck back to me. The auction place that has the truck have told me that they still have not received an email from the debt collector to release the truck back to me. The debt collector told me on the phone that they have sent the email to the auction place that has the truck on XX/XX/XXXX and XX/XX/XXXX. After talking with the auction place at XXXX late Tuesday afternoon on XX/XX/XXXX they have told me that they still have not received an email from the debt collector to release the truck back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I was advised that on my current XXXX  in contract with XXXX, Global Credit Union will not honor the clause where it allows me to " make unlimited deposits into your account ''. XXXX was purchased by Global Credit Union XX/XX/XXXX. I have a XXXX  account and an XXXX  XXXX through XXXX ( now Global ). For the good of ALL, how can this credit union not honor the current contract?? There was no money involved as I was denied. I can disclose amount later if needed. Currently the only action Global Credit Union is exercising is DENIAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I called Chase bank and asked them if the account was a good, I was told it was. I asked if it was a scam, would they help me get my money back, and they said yes. ( The person from Chase said his name is XXXX ) So I went to XXXX XXXX XXXX XXXX and sent him the money. Couple days later, I found out it was a scam and called Chase, and they would not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
A total of {$1000.00} was deposited into my account aside from the opening deposit of {$25.00}. The balance has been {$25.00}, {$1000.00}, {$1000.00}, $ XXXX, {$860.00}, and now $ XXXX. My {$500.00} was in there, posted, then all {$500.00} was back out, then {$360.00} of the {$500.00} came back leaving a debt of {$140.00} which a branch had me go withdraw from my credit union only to tell me she actually can't take it and I went back to the credit union to put it back. There isn't any explanation as to why one would make it and not the other. And why I could withdraw. I was told no deposits and no withdrawals yet both were selectively possibly as of WF 's choosing. Money has been moved around in and out all around this but not that and that but not this. It seems WF made a mistake initially messing around with the account and ultimately has to allow ( most of ) the payment to the Treasury of course. 
Ive been punished with a new bill being sent to debt collections for {$140.00} and I expect to pay that amount BEFORE it hits my credit and not after. Wells Fargo had the {$140.00}, but chose to return it and take fire at me by insisting on sending me to collections instead. The money WAS in the account and it was only removed by Wells Fargo to begin with. Why should my credit be impacted as a result? How can I be sent to collections for something that I did actually pay and the bank did have, but changed their mind and sent me to collections and went that route instead. Wells Fargo is going that route so that's why Im here Im taking Wells Fargo that route also. Why should I be ran around in a cruel and unusual way. What a headache. Wells Fargo picked a fight with the OPPOSITE of a fraud account and Im making a stand against the big greedy bully which they are. All I want is to pay the same money which has been paid. Let me pay the {$1000.00} bill regardless of who the remaining {$140.00} needs to get paid to. I don't really care about who's fault it is, I want to settle/resolve it and absolutely not do the debt collections thing please. Sure, Im not being charged fees for closing, but it's not any more acceptable to involve my credit with WF 's obvious misconduct. Lets leave my credit out of this. The money has been paid and I am here to pay it again. Thank you. I can be reached at XXXX and XXXX 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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Date Reported : [ XX/XX/XXXX ] Amount : [ {$720.00} ] [ Trans Union XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally dispute an inaccurate collection account that appears on my credit report. Upon reviewing my report, I found the following account that I believe is being reported in error : I have already disputed this item previously, but it still appears on my report despite being inaccurate. I am requesting that this account be reinvestigated and removed from my credit file, as it is negatively affecting my credit standing.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I am filing a formal complaint regarding a collection account appearing on my credit report that resulted from fraud and identity theft. This alleged debt does not belong to me and was incurred without my knowledge or consent. Its continued presence on my credit report is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: NM

Complaint narrative:
My bank suddenly blocked access to my personal and joint accounts without notice. We could not see balances, use debit cards, or access our money. The bank returned multiple Social Security deposits without notifying us, and continued to take money from the account without permission, including more than the minimum overdraft payment and a {$400.00} sweep. 

Even though we could not access our account, the bank continued charging overdraft interest and NSF fees, and then reported us late. We later found the same account was being reported under XXXX different bank names ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX causing duplicate damage to our credit and a XXXX score loss. 

We received mixed explanations from staff. A branch manager said we dont like cryptocurrency, another said the bank did not want to be involved in crypto or fraud, and another employee could not find any record of fraud or the closure notice. Collections did not know the account was closed and asked for payment. 

We are requesting correction of reporting, investigation, a full accounting, and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I received notice from US Bank that an account used my home residence as the address associated with a business checking account I did not open. Fraud is suspected. I called the fraud department and spoke with a representative and the managing supervisor they indicated they couldnt do anything because my name was not on my account. I asked several different times and many ways for the bank to investigate, they indicated my only course of action was to send back the mail. This seems unfair and unbecoming of a banking corporation. I need to make sure it will not happen again.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing in regards to two fraudulent charges on my TD credit card for the amount of {$340.00}, totaling {$680.00}, for the XXXX XXXX XXXX in XXXX XXXX. I received a text message alerting me to suspicious activity on XX/XX/XXXX. Because it was not a charge that I authorized, or made myself, I replied FRAUD. I immediately called TD Bank credit card services and was informed that I could not open a claim until the charge has been processed. 

Two days later, on XX/XX/XXXX, the charge was posted and I reported it to TD Bank. As a result, the initial claim was opened. The charge was then removed from my account on XX/XX/XXXX labeled XXXX XXXX, leading me to believe that the claim was accepted and I was not required to pay the {$680.00} balance.Thereafter, on XX/XX/XXXX, it was re-posted to my account. On XX/XX/XXXX, when I saw that the money had been re-charged, I called TD bank credit card services again, where I learned that my claim was denied and I opened another claim. 

For the sake of transparency, and to further prove that I was not in XXXX XXXX in XXXX, nor planning any trip to XXXX XXXX in XXXX, I am going to be providing further information about my other finances. I have three credit cards : XXXX XXXX, TD Bank and XXXX. I have two checking accounts, one with TD Bank and one with XXXX. I have attached hereto collectively my credit card statements and bank statements from XX/XX/XXXX from each of those institutions, as XXXX  XXXX These statements will reflect that I, outside of that fraudulent charge, made no payments to anyone or anything related to XXXX XXXX or the XXXX XXXX XXXX XXXX I would assume that if I did benefit from this charge, there would be other charges reflecting a trip to XXXX XXXX, as I live in XXXX, XXXX  XXXX  and have never been to XXXX XXXX and have no upcoming plans to travel to XXXX XXXX. 

On XX/XX/XXXX, I was informed that my second claim was denied but was provided no proof for why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
So basically I sent money from my cash app account to my bank without knowing that my bank account was closed, so cash app took my money off my cash app account and it never made it to my bank account due to the fact the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NV

Complaint narrative:
On the morning of Friday, XX/XX/year>, I discovered multiple unauthorized debit card transactions posted to my Wells Fargo checking account. These transactions occurred within a short time window and included charges from merchants I did not recognize and did not authorize, including XXXX * XXXX ( XXXX  ) for {$1900.00}, multiple XXXX XXXX charges, and several XXXX transactions. 

The transactions were completed using card-number entry ( card not present ), while my physical debit card remained in my possession at all times. I did not authorize, initiate, or benefit from these transactions, nor did I share my card number, CVV, or PIN with any third party. 

Wells Fargos own fraud detection system immediately flagged this activity as suspicious and sent me an alert, prompting me to cancel my debit card and request a replacement, which I did immediately. This alert confirms that the activity was recognized by the banks systems as potentially fraudulent. 

Upon receiving the alert, I immediately called the customer service number on the back of my debit card to report the fraud. During the initial intake of my complaint, the Wells Fargo representative mistakenly included two legitimate transactions ( a XXXX purchase and an XXXX purchase ) that I had personally authorized the day before the fraud occurred. 

For clarity : The XXXX transaction was completed in person using my PIN. 

The XXXX  transaction was completed in person using my physical card. 

These transactions were not part of the fraudulent activity and were later clarified during the dispute process. The actual fraudulent transactions occurred after these legitimate purchases and involved out-of-state merchants and card-not-present usage. 

While some smaller unauthorized charges were later reversed, Wells Fargo denied reimbursement for the largest fraudulent transactions, stating that the charges were verified as valid after contacting the merchant. I was not present for, nor involved in, any such verification, and Wells Fargo did not provide evidence that I authorized these transactions. 

The bank proceeded to post the fraudulent charges to my account, substantially reducing my available balance and causing financial hardship. I believe Wells Fargo failed to conduct a reasonable investigation and improperly denied my claim despite clear indicators of debit card fraud, including rapid, high-value transactions, card-not-present usage, out-of-state merchants, and Wells Fargos own fraud alert and card cancellation process.

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 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
FDCPA & FCRA Violations ) Consumer Name : XXXX XXXX Product/Service : Debt Collection / Credit Reporting Companies involved : RENTDEBT AUTOMATED COL ( also reported as Automated Rent Debt Collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Complaint Description : I am submitting this formal complaint against RENTDEBT AUTOMATED COL and XXXX XXXXXXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to the reporting and maintenance of inaccurate, unverified, and misleading information on my consumer credit report. 
The account at issue is reported as a collection account in the amount of {$30000.00}, account number XXXX, allegedly originating from XXXX XXXX XXXX. 
Based on the credit report evidence attached, the following material inaccuracies and violations are present : The account was opened on XX/XX/year>, yet it is reported as past due on a monthly basis from XXXX through XX/XX/year> for the exact same amount, without reflecting any legitimate activity, adjustment, interest accrual, or transactional change, which is inconsistent with a valid rental obligation. 
The original balance, current balance, and past-due amount are all reported as {$30000.00}, with no itemization, explanation, or documentary support. 
The account status contains contradictory update dates, indicating a status update in XX/XX/year> while the balance is reported as updated in XX/XX/year>, resulting in materially inaccurate reporting. 
RENTDEBT AUTOMATED COL has failed to provide proper debt validation as required under 15 U.S.C. 1692g, and has not demonstrated legal authority to collect or report this alleged debt. 
XXXX  has continued to report this account without conducting a reasonable investigation or ensuring maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

As a direct result of these actions, I have suffered significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
Rocket mortgage approached us about a XXXX  in early XXXX. I was told it would take about 10 days to close. The loan originator kept insisting we do a debt consolidation loan after we had expressed vehemently those were not our wishes. We finally got closing docs the night of XX/XX/XXXX. We had been told not to pay our XXXX payment but due to their delays, I made my payment. When closing docs were received, the last payoff had been pulled on XX/XX/XXXX so it did not reflect my payment. We were told we could close as is and the refund would be wired to us. I have since been told that it is always a paper check and now here we are a month later still waiting on the refund and escrow monies. I have spoken with a supervisor that told me I just needed to wait longer.

Company response to consumer: Closed with explanation