vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
McCarthy, Burgess & Wolff ( MB & W ) is attempting to collect an alleged XXXX XXXX XXXX XXXX / XXXX XXXX debt from me account ending XXXX, claimed balance {$12000.00}, XXXX number XXXX. The letter states an account open date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. I previously sent XXXX XXXX XXXX a written dispute and request for validation under 15 U.S.C. 1692g. On XX/XX/XXXX, MB & W sent me a letter stating that it had reviewed my request and was providing the enclosed documentation verifying the debt, that the verification process was complete, and that collection activity may resume. MB & W 's XX/XX/XXXX letter does not satisfy the validation requirements of 15 U.S.C. 1692g ( b ) or 12 C.F.R. 1006.34. The letter consists of a summary block of account fields ( original creditor, account ending, XXXX number, current balance, open date, last payment date ) and references to enclosed materials that XXXX include statements. It does not include a signed cardholder agreement, a complete itemized account history from opening through charge-off, the date of charge-off, the identity of the current owner of the alleged debt ( XXXX or a debt buyer ), a chain of title or executed bill of sale specifically identifying account ending XXXX if the debt has been sold, written authorization from any current owner authorizing MB & W to collect, or the firm 's Georgia debt-collection licensing information XXXX On XX/XX/XXXX, I am sending MB & W a follow-up certified letter renewing my dispute, demanding the specific documentation listed above, and instructing MB & W not to resume collection until full validation is actually provided. I am filing this CFPB complaint because MB & W has expressly stated that it intends to resume collection on a debt for which it has not produced validation that meets the federal standard, and because partial production followed by a declaration that verification is complete is itself an inaccurate representation under 15 U.S.C. 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I had a written installment agreement with Legacy/RFG-Regional to pay $ XXXX on an Acima debt ( Account ID XXXX ). I called and was verbally agreed to a reduced payment of {$50.00}. That {$50.00} cleared on XX/XX/year>. Shortly after, I received a voicemail accusing me of intentionally neglecting the account days after my payment cleared. Beginning XX/XX/year>, the company made repeated unauthorized charge attempts of {$120.00} an amount never agreed to multiple times on XXXX and XXXX. All were declined. Their numbers are flagged as spam by my carrier, and they have been contacting my family members about this debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems placed a fraudulent account into collections on my XXXX credit report, causing approximately a XXXX drop to my credit score and severely damaging my financial profile and personal credit standing. This account does not belong to me. I never opened this account and never authorized this debt. Because this inaccurate reporting is causing serious financial harm to me, including affecting my ability to move forward with important financial matters, I am preparing to pursue legal action regarding these damages. I contacted Jefferson Capital Systems directly by phone requesting information about the alleged debt, including where the debt originated, what the alleged charge was for, when it was opened, and any proof showing the account belongs to me. The company informed me that they do not know where the debt originated, do not know who opened the account, do not have information regarding the alleged transaction, and could not provide documentation or proof that this debt belongs to me. Despite admitting they do not have information or proof connecting me to this account, the company continues reporting the account as collections and continues damaging my credit. This account is fraudulent and unverifiable. Jefferson Capital Systems should not be reporting this account without proper documentation or evidence showing that the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing this complaint against Huntington National Bank due to a total failure of digital banking services and an unacceptable breakdown in customer support. For multiple weeks, I have been unable to activate or use XXXX on my Huntington mobile banking app.I first contacted Huntington support last week to report the issue. A technical ticket was supposedly opened, and I was given a firm resolution date of Thursday. The issue was not fixed. On Monday, I called back as instructed. Frontline agents forced me to delete my browser history, uninstall the mobile app, restart my phone, and reinstall the app. None of these standard troubleshooting steps worked. I called back, got a Ticket number XXXX, and was told to call on Wednesday again. The following Wednesday, when I called back and requested an escalation, the agent refused to provide a department name, a supervisor transfer, or a direct internal extension. I was then intentionally placed on an extended hold until Huntington 's automated phone system reached its XXXX XXXX closing window and disconnected my call. No ticket number or resolution was provided. Huntington is currently blocking my access to the XXXX network, failing to resolve internal technical tickets, and avoiding customer escalations by running out the clock on their support lines. I request that Huntington 's corporate technical team manually clear and reset my XXXX network profile, provide a direct point of contact, and restore full functionality to my digital banking services immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: CAINE & WEINER COMPANY, INC.
State: SC

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Someone took a car loan out in my name and used my information I tried to dispute it but they said I owe this money I dont drive never had a drivers license

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 2026-05-27 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: Block, Inc.
State: TX

Complaint narrative:
am submitting a re-opened complaint regarding Cash Apps handling of a disputed transaction for {$46.00} from XXXX XXXX XXXX ( Reference ID : XXXX ), dated XX/XX/year>. Cash App denied my dispute on the basis that the merchant fulfilled their obligations for goods/services, however no supporting evidence was ever provided to substantiate this conclusion. I was not given proof of delivery, tracking confirmation, service completion records, or any merchant documentation demonstrating that the transaction was properly fulfilled. Instead, the only documentation initially provided by Cash App included an unrelated transaction from a different merchant ( XXXX XXXX ), which Cash App later acknowledged was included in error and not related to my dispute. While Cash App later stated this document did not impact their decision, it raises serious concerns about the accuracy and integrity of the investigative file provided to me. After requesting a reinvestigation, Cash App upheld the denial but still did not provide any transaction-specific evidence demonstrating that the merchant completed the sale or provided the goods/services as claimed. Their conclusion appears to be based solely on internal determination rather than verifiable documentation. I am requesting a full review of Cash Apps dispute handling process for this transaction, including : * The specific evidence used to determine the merchant fulfilled the transaction * Clarification on what records ( if any ) confirm delivery or service completion * Review of why inaccurate documentation was initially included in my dispute file * Reassessment of the {$46.00} charge with proper evidentiary support At this time, I maintain that the transaction remains unresolved and unsupported by sufficient evidence to justify denial of my claim. I am requesting reimbursement of the {$46.00} due to lack of verified fulfillment evidence and concerns regarding the integrity of the dispute investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: SC

Complaint narrative:
I opened a new Charles Schwab Investor Checking account a few days ago and deposited {$100.00}. Shortly after trying to send money using XXXX, the account was immediately restricted. I completed the security quiz over the phone. However, the account remains fully suspended and I can not access my {$100.00}. Customer service has repeatedly told me that the only options to verify my identity are by fax or by going to a physical location in person. I work in a very busy kitchen and my schedule does not allow me to easily take time off. I have to ask permission just to make phone calls to customer service because that I said XXXX busy all time. Additionally, I do not have a car and public transportation in XXXX XXXX, South Carolina is very limited and unreliable, making it extremely difficult to go to a physical location. I also do not have access to a fax machine. I have called multiple times and was given case number XXXX. This situation is causing me significant financial hardship because I have urgent expenses and need access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We are in the process of loss mitigation, we currently have a sale date. We have received XXXX acknowledgment of complete letters but then a few days last they say there are missing documents. This has happened twice in this process. But they arent giving us a full list of documents we need to allow them to start working on our case. And they told us that after they receive the missing documents our XXXX days for review starts over. But we have a sale date of XX/XX/XXXX and are running out of time for them to have XXXX days to review

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was contacted by an individual posing as a XXXX rep after someone contacted me/ purchased a few pairs of newborn onesie pajamas they were supposed to pick him up at my house and they apparently sent {$40.00} ro my XXXX. I got an email saying\nThat the money was on hold because it was sent from a business account.And then I had to call ( XXXX ) XXXX to verify my account to release {$40.00} payment. When i called i was told i was speaking with a representative and i was instructed to create a payment link to myself to verify my account. after going over a few steps, they ended up having me.Create a link that we send the money back to my account from my XXXX savings account.It was all really quick and before, but I knew it created a link and they hung up on me and then they had someone named XXXX XXXX click on the link somewhere and when I checked my account, the money was XXXX do not know this lady and I don't know how she got my money, but my money is gone and I was scammed. Believing this was legitimate, I followed the instructions. The transaction was then manipulated and the funds were diverted to a third party. This was not a voluntary or informed authorized transaction. It was the result of impersonation fraud. I reported this to XXXX immediately, but my dispute was denied and classified as authorized, without proper consideration of the deception involved. I am requesting that XXXX reopen and properly investigate this case as impersonation/social engineering fraud, and issue a refund of the funds taken under false pretenses. I have also filed reports with the FTC and XXXX regarding this fraud.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had a chase XXXX card since XXXX. I have had an uninterrupted prime membership since XXXX with annual fee billed to the chase card. This entitled me to 5 % cash back on eligible purchases. Since XXXX I have only received 3 % cash back as they ( Chase ) did not recognize my XXXX membership within my only XXXX account. They ( chase ) claims my XXXX account was not linked to my card which was also verified to me by XXXX and chase ( it is Chase 's ) responsibility to link my XXXX account with my chase XXXX. I only have one XXXX account and have literally billed all my XXXX purchases to this card as they see and never used another account ( I don't have another XXXX account ). Yet this is what chase offered me as explanation as why they will not issue or move forward with issuing me the points never assigned between XXXX XX/XX/XXXX. Contractually I meet all criteria on the chase XXXX XXXX I hold for the 5 % back. I even billed my XXXX membership fee to the account annually every XXXX. I requested now for 5-6 weeks for chase to handle this with multiple complaints filed and spent hours on the phone. I have contacted XXXX and they verified I have the one account and the one XXXX membership uninterrupted. Yet chase refuses to move forward to look at my statements to verify the information. In fact I was told during one call with chase the marketing department that handles this doesn't have phones. I am making this complaint because I am entitled to the 5 % cash back since XXXX which even chase representatives acknowledge during calls as accurate yet they have declined to rectify this. This is contractually illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My son has a XXXX which qualifies him for monthly social security payments. I had to bring in a statement from social security ( a declaration ) into Bank of America in order to open a custodial account for my then minor son. Now that my son is XXXXyears of age and he works part time his social security payments have decreased and at times increased according to his worked income. the account was set up under safe balance which means as long as my son is under XXXX years of age his account will not be charged with monthly maintenance fees. As of last year the account that was set up for my son when he was a minor has been hit with consistent monthly maintenance fees In the amount of XXXX a month. I have spoke. With numerous Bank of America employees but everyone keeps giving me excuses as to why my sons XXXX account is being charged with these monthly maintenance fees. Ive been told that because this account has my name on it and Im over the age of XXXX that I am required to make sure this account has XXXX dollars deposited into the account monthly ( I can not control the amount of money XXXX deposits into this specific account monthly ) which was setup for my sons XXXX payments, I have my own separate account at Bank of America. I was also told that because XXXX sometimes makes XXXX deposits into my sons custodial account the same month, one direct deposit being on the first of the month and sometimes at the end of the month depending on if the the following month falls on a weekend it shows that no direct deposit was made into this account on the following month so then the account is charged yet another monthly maintenance fee which isnt fair to my XXXX son. Again, I can not control when and how Social Security decides to deposit my sons payments but yet an account that was setup up specifically for his social security payments is being charged fees for just existing. This is total and absolute theft and I know I am not the only custodial parent with a XXXX child who has a custodial account set up at this bank receiving these ongoing fees, for an account that was created for my sons XXXX payments.

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 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal enforceability of the above-referenced account reported and collected by XXXXXXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXXXXXX, with an alleged balance of $ XXXXYour failure to provide proper validation, lawful verification, and accurate reporting may constitute violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and other applicable federal consumer protection laws. If this matter is not resolved immediately, I will pursue all remedies available to me under federal law, including additional regulatory complaints and potential civil action for damages caused by inaccurate reporting and unlawful handling of my consumer information.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/year> L J Ross Associates XXXX XXXX XXXX, XXXX, XXXX XXXX RE : NOTICE OF DISPUTE AND CEASE AND DESIST To Whom It May Concern : This letter serves as formal notice that I dispute the validity of any alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand that you cease all collection activities regarding this alleged account unless and until you provide proper validation of the debt as required by federal law. Under 15 U.S.C. 1692g, you are required to provide competent evidence that I have a legal obligation to pay this alleged debt. I specifically request the following : 1. A complete accounting of the alleged debt ; 2. The name and address of the original creditor ; 3. Copies of any agreement or contract bearing my wet ink signature ; 4. Proof that your company has legal standing and authority to collect ; 5. Documentation showing the chain of assignment or transfer of the alleged debt ; 6. Proof that the statute of limitations has not expired. Please be advised that I do not acknowledge nor admit to any contractual relationship with your company. You have not provided any signed contract, wet ink signature, or other admissible evidence demonstrating that I entered into a legally binding agreement with L J Ross Associates. Furthermore, continued attempts to collect without proper validation may constitute violations of the following provisions of the FDCPA : 15 U.S.C. 1692d Harassment or abuse ; 15 U.S.C. 1692e False, deceptive, or misleading representations ; 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of any debt ; 15 U.S.C. 1692e ( 10 ) Use of false representations or deceptive means to collect a debt ; 15 U.S.C. 1692f Unfair collection practices ; 15 U.S.C. 1692g Failure to provide proper debt validation. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist all communication with me regarding this alleged debt except for : 1. Written confirmation that collection efforts are being terminated ; or 2. Notice of specific legal remedies actually being pursued. If you continue reporting inaccurate or unverified information to any consumer reporting agency, such actions may also constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2. Be advised that any further collection activity without providing the requested validation may be documented as evidence of willful noncompliance with federal law. I request that all future correspondence be made in writing only. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation