vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to formally dispute the debt that has been reported under my name and recently sold or transferred to another company. 

I did not receive proper written notice of this debt transfer, nor have I been provided with valid documentation proving that the new company has legal ownership of the debt. At this time, I am requesting full debt validation, including but not limited to : the original creditors name, the original account number, the date of the alleged transfer or sale, a complete payment history, and documentation showing your legal right to collect this debt. 

Until proper verification is provided, I dispute the accuracy and ownership of this account and request that any reporting to credit bureaus be marked as disputed in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If you are unable to provide the requested validation, I request that this account be removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
I opened a cash app around six months ago maybe longer deposited XXXX dollars in it and haven't been able to get myoney never made one transaction everyone is denied won't release my money I've spoken to them several times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: CA

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of my credit card fraud investigation. 

Between approximately XX/XX/XXXX and early XXXX, multiple charges from the merchant XXXX appeared on my Chase credit card that I did not authorize. After discovering these transactions, I immediately reported them to Chase as unauthorized and locked my credit card to prevent further use. 

Chase initially issued temporary credits while investigating the claim and confirmed that the transactions were under fraud review. During this period, my account remained under investigation for unauthorized use. 

Later, Chase reversed a significant portion of the temporary credits and issued a final determination stating that I am responsible for many of the disputed transactions. However, Chase did not provide specific evidence demonstrating that I authorized the credit card charges, nor did they explain the basis used to conclude that these transactions were valid. 

I would like to clarify an important distinction : although I later used my debit card to independently test my account access with the merchant after locking my credit card, I did not authorize the disputed credit card transactions. The use of a separate payment method should not be interpreted as authorization of prior credit card charges. 

My concern is that Chase appears to have reclassified this matter as a merchant dispute rather than an unauthorized transaction claim without adequately explaining the evidence or reasoning behind this decision. 

I respectfully request that Chase : 1. Provide the specific evidence used to determine that the disputed credit card transactions were authorized by me ; 2. Conduct a reinvestigation of the disputed transactions under the Fair Credit Billing Act and Regulation Z standards for unauthorized use ; 3. Restore protections applicable to unauthorized transactions if sufficient authorization evidence can not be provided. 

I am seeking a fair and transparent review of this matter and clear documentation supporting Chases decision. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Both collections sold my information without my consent for a third party collection agency to come after me, I called the original agency XXXX XXXX to tell them I was in a identity theft and some one stole my card, they wanted receipts but the transactions were in Texas and I live in Colorado how can I precent receipts Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681.4

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am filing this complaint due to violations of the Fair Credit Reporting Act ( FCRA ) by the above-named credit reporting agency. 

I submitted a formal written dispute regarding inaccurate and unverifiable tradelines appearing on my credit report. The credit reporting agency responded by stating the information was verified as accurate, but failed to provide any documentation or explanation of how the verification was performed. 

This response violates FCRA 611 ( a ) ( 7 ), which requires credit reporting agencies to provide a complete XXXXXXXX XXXX XXXXXXXX upon request, including the name of the party contacted, the procedures used to verify the information, and the documents relied upon. To date, no such XXXX of XXXX has been provided. 

Additionally, XXXX has deleted the same tradelines following reinvestigation, confirming that the information was either inaccurate or could not be verified. Despite this, XXXX continues to report the same information without providing any new or additional evidence, in violation of FCRA 1681e ( b ), which requires maximum possible accuracy. 

Further, my personal identifying information was compromised during the XXXX XXXX XXXXXXXX. Because my data was exposed, any negative credit information associated with those identifiers is legally unreliable unless independently verified using original source documentation. Continued reporting of such data without heightened verification raises serious concerns regarding data integrity, accuracy, and compliance with federal law. 

The credit reporting agency has failed to demonstrate that the disputed tradelines were verified using reliable, original documentation unaffected by the XXXX Data Breach. As a result, the continued reporting of this information is misleading, inaccurate, and unlawful. 

I have formally requested proper validation and a lawful Method of Verification, but the credit reporting agency has failed to comply. I am requesting that the CFPB require the credit reporting agency to either : Provide full compliance with FCRA 611 ( a ) ( 7 ) by disclosing the complete Method of Verification used, or Permanently delete the disputed tradelines pursuant to FCRA 611 ( a ) ( 5 ) ( A ) I am also requesting that this complaint be treated as a matter of potential willful noncompliance under FCRA 616, as the XXXX XXXX XXXX continues to report information that has already been deleted by another bureau and has failed to meet its statutory obligations.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I was opening checking account using a promotion code for {$300.00} to be paid after {$2000.00} direct deposit within XXXX days. The website directed me to go to the branch in person. At the branch in XXXXXXXX XXXX the manager XXXX XXXX told me that I should receive the confirmation in XXXX business days from XX/XX/XXXX. 

Today is XX/XX/XXXX and I received no indication that I am enrolled, while my time to satisfy bonus requirements shrunk from XXXX   days down to XXXX and keeps getting shorter, since no confirmation is to be expected according to customer service. I am told to deposit {$2000.00} to " buy '' confirmation. This is unethical and it sounds like extortion to just get verification of an offer I was naive to believe and opened and funded my account. It is also false advertising, since XXXX day period is already down to XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I dont know how I got in chexsystem because I been XXXX  for 10 years and should not be in chexsystem

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 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a rental collection account being reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The balance being reported is {$3900.00}, and I dispute the accuracy of this amount. 

I do not believe this balance reflects the correct amount owed. The amount appears inflated and does not match what I believe is accurate based on my lease terms and move-out circumstances. I have requested validation and a breakdown of the charges, but I have not received sufficient documentation showing how this balance was calculated. 

This inaccurate reporting is negatively affecting my credit. I am requesting that the company provide a detailed itemized statement of the charges and correct or remove the inaccurate balance from all credit reporting agencies if they can not properly validate the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A skirt was purchased for {$140.00} from a private seller on XXXX, using XXXX XXXX on XXXX XXXX XXXX at XXXX XXXX. I requested order cancellation XXXX minutes after the purchase before the item was shipped. Seller refused to honour my order cancellation by falsely claiming the item had already been shipped. Item was not in the carriers hands until the next day afternoon. Both XXXX and XXXX have failed to enforce my buyer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Was an employee at XXXX XXXX XXXX. My direct deposit was forced to go into another bank account through XXXXXXXX XXXX without my authorization. Whole check was garnished without any legal action. No communication of informing me. Told there was an overpayment from the month of XXXX and agreement was to take out a certain about on overpayment. XXXX XXXX waited XXXX months later to take whole paycheck by delete if my direct deposit bank account and adding their bank ( Wells Fargo ) Account for direct deposit without my authorization. Mentioned this and they stated theres nothing they could do despite of informing them not to change my bank account. I feel that my rights have been taken away.

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 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$1700.00} via XXXX from my Chase account to a business after being misled about the nature of the transaction. I have no contractual or commercial relationship with this entity, and no goods or services were provided. 

I promptly reported the transaction to Chase and filed a fraud claim. Chase denied the claim stating that XXXX payments are final. I escalated the matter to a supervisor, who upheld the denial. Claim number : XXXX This transaction was induced by misrepresentation. I would not have authorized the payment had the true nature of the transaction been disclosed. I have filed a police report with the XXXX XXXX Police Department documenting the fraud Police Report Number : XXXX I am requesting an executive-level review and reimbursement of {$1700.00}, or a detailed explanation of why this transaction does not qualify as fraud by inducement under Chases fraud review obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am a former Bilt 1 member whose account was transitioned to a XXXX XXXX Autograph card. During this transition, my XX/XX/XXXX rent payment of {$3900.00} was processed and paid to Bilt. Subsequently, a similar amount of {$3900.00} was withdrawn again and paid to XXXX XXXX Autograph. 

As a result, my rent payment appears to have been charged twice, and I am still missing almost XXXX XXXXXXXX XXXX  XXXX weeks later. I have contacted the XXXX XXXX team twice and called the Bilt XXXX support line XXXX times, and emailed and texted the Bilt XXXX support lines without receiving a clear explanation, timeline, or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
On XX/XX/year>2025, I mailed a certified written dispute to the Default Resolution Group disputing an unauthorized Fresh Start enrollment. I did not authorize, request, or consent to this enrollment in any form. I requested documentation showing the basis and authorization for the enrollment, removal of the unauthorized enrollment, suspension of credit reporting, and written confirmation of the corrected loan status. 
I have not received any written response in approximatelyXX/XX/XXXXdays. 
I have now received a notice stating intent to report to credit bureaus based on this disputed status. 
I am requesting a formal investigation, written documentation showing the basis and authorization relied upon for the Fresh Start enrollment, reversal of the Fresh Start enrollment and restoration of my loan status to its condition prior to enrollment, and suspension of any credit reporting while this matter is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
SUPERVISORY REVIEW IS RESPECTFULLY REQUESTED Chase has a documented history of CFPB trouble, and my case shows those same control failures are still harming consumers today. 

Over the past decade, the CFPB and other regulators have repeatedly sanctioned Chase for unfair and deceptive creditcard practices, including illegal addon products, broken debtcollection processes, and inaccurate account handling that required hundreds of millions of dollars in refunds and penalties. CFPBs own data shows Chase remains XXXX of the highestcomplaint issuers in the country, which means systemic weaknesses in its dispute handling and customer remediation have never been fully solved. 

My complaint adds fresh, detailed evidence that Chases disputeresolution systems continue to malfunction in ways that mirror those past enforcement findings : inconsistent investigations on identical disputes, failure to give clear written determinations, and billing and creditreporting outcomes that do not match the facts or Chases own prior decisions. This is not a oneoff service issue ; it is a live example of the same pattern of conduct the CFPB has already found unlawful at Chase, and it shows that consumers today are still exposed to the very risks those prior orders were supposed to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized credit card transaction that U.S. Bank has not properly investigated. 

During my stay at XXXX XXXX hotel in XXXX from XX/XX/XXXXXX/XX/XXXX, I completed XXXX legitimate transactions in person using a chip-enabled card reader ( XXXX for accommodation and XXXX for breakfast ). These transactions are not disputed. 

However, on XX/XX/XXXX, an additional charge of USD XXXX from the same merchant was posted. This charge was processed as a manually keyed ( card-not-present ) transaction. I did not provide my card number for any additional charge, did not authorize this transaction, and received no service corresponding to it. 

I reported this to U.S. Bank on XX/XX/XXXX, and a provisional credit was issued. On XX/XX/XXXX, the bank requested additional information. On XX/XX/XXXX, the bank denied the claim and reversed the provisional credit, stating that sufficient information had not been received. The denial did not establish that the transaction was authorized or valid. 

On XX/XX/XXXX, I contacted the bank requesting that the dispute be reopened. On XX/XX/XXXX, the bank reopened the claim and reissued provisional credit, confirming that the matter was still unresolved. 

My concern is that the bank has treated this case as a standard billing dispute instead of as an unauthorized card-not-present transaction. Because this charge was manually entered and lacked my authorization, the merchant should be required to provide proof of authorization. To date, I have not been shown any such evidence. 

I am requesting that U.S. Bank properly classify this as an unauthorized transaction, conduct a reasonable investigation, and make the provisional credit permanent unless valid authorization can be demonstrated.

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 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
The student loan accounts under MOHELA / XX/XX/XXXX were placed on my credit reports and are currently being reported with missed payments and derogatory history. I did not provide explicit written authorization permitting the disclosure or furnishing of my educational financial records to consumer reporting agencies. 

I became aware that these accounts were negatively impacting my credit profile when I reviewed my consumer credit reports. Upon review, I observed multiple late payment notations and adverse reporting that I believe to be inaccurate, improperly calculated, and unlawfully disclosed. 

These accounts involve federally backed educational loans, which constitute protected educational financial records. The reporting of this information without my direct written consent raises concerns under the Family Educational Rights and Privacy Act ( XXXX ). Additionally, I have not been provided with complete documentation verifying the original signed promissory notes, full accounting records, or proof that all statutory disclosure requirements under 15 U.S.C. XXXX were satisfied prior to furnishing this information. 

Due to the lack of proper documentation and authorization, I am disputing the validity, accuracy, and legality of this reporting in its entirety.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Equifax XXXXXX/XX/XXXXXXXX Dear Sir/Madam, I am writing to dispute an error on my credit report. The report lists a credit card account with a balance of {$4000.00}, which I do not recognize and have never opened. 

I have enclosed an affidavit of identity theft, along with a copy of my ID and a utility bill to verify my identity. Please investigate this account and remove it from my credit file if it is inaccurate. I request written confirmation once this correction h Finish this letter. 

Here is the completed and polished version of your dispute letter, ready to print and mail : XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Equifax Information Services LLC XX/XX/XXXXXX/XX/XXXX Identity Theft / Credit Report Dispute Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report. There is a credit card account listed with a balance of approximately {$4000.00} that I do not recognize and did not open. This account is the result of identity theft. 

Enclosed with this letter is an affidavit of identity theft, along with copies of my government-issued identification and a utility bill to verify my identity. I request that you conduct a full investigation into this matter and remove this fraudulent account from my credit file immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting written confirmation once the investigation is completed and the inaccurate information has been corrected or removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation