vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I have 10 charged off accounts with Affirm Inc-. Ive contacted them several times to get a mail address to begin paying these debts off. They will not provide a mailing address for payments stating they only take payments by phone. I explained I do not feel comfortable doing this and I want paper documentation for payments made .. they still refused to provide an alternative way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX2026, I XXXX XXXX contact XXXX and XXXX about this inaccurate information. ( Midland Cred - Acct # XXXX - Balance {$19000.00}. Which I did not a reply or removal. Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with capital one and was making payments from my debit card with them they would automatically let the payment go through but wouldnt take it out of my debit card immediately but would try to take it out two days after thinking the money would still be there and then said it was basically fraud activity and they would be closing all three of my accounts and I would still owe the remaining balances but not have access to the money I have been banking with them for years so for them to mess up my credit like this especially when I was working hard to pay it off Is crazy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: IA

Complaint narrative:
On Wednesday XX/XX/year>2026 IC Systems Inc, called me in regards to a debt. I asked what they were contacting me about they said it was a personal matter yet refused to provide any information about who was calling and what they were calling about. They eventually hung up without providing me any information. I have also looked them up on the Iowa XXXX XXXX list of debt collectors and they are not authorized to collect any debts in Iowa. They also use local numbers to try and deceive me along with using robo calls.

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX performed a botched procedure that required me to see XXXX XXXX XXXX fix the mistake the original doctor made. Almost a year later, XXXX XXXX XXXX me a bill for {$160.00} with no explanation. I told them that, due to the procedure being botched and a random surprise bill almost a year later, after I had left the practice, I was not paying. The doctor then gave it to a collections agency that threatened to report it to XXXX and ruin my credit, which they did, and it still shows up on all XXXX credit reports as a negative account in collections. I have disputed it with XXXX and the XXXX other agencies, and they refuse to remove the {$160.00} medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2026 at XXXXXXXXpm EST, I attempted to deposit {$1100.00} cash at a Chase branch ATM. The machine failed during the deposit process and returned only {$800.00}. The transaction never completed and {$300.00} remained inside the machine. I immediately contacted Chase and opened a claim. Chase initially issued a provisional {$300.00} credit but later reversed it after stating they could not locate the funds during their investigation. I am requesting that Chase provide the ATM journal logs, deposit escrow/reject bin records XXXX and the settlement balance report for the ATM on the date of the incident to verify how many notes were inserted, returned, and retained. Because the deposit transaction failed and did not complete, I believe the ATM retained {$300.00} and the investigation did not properly account for the retained notes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this formal complaint because JPMorgan Chase has placed an unreasonable and prolonged hold on a valid business check in the amount of {$50000.00}, deposited into my business account on XXXX XXXX, 2026. This is a substantial amount of operating capital, and unjustly freezing it for nearly a month is causing severe financial strain and operational paralysis for my growing business. Chase claims they can not verify the check because their system can not find the check issuer 's newly registered corporate phone number in their specific " public record '' databases. However, the issuing company is a newly formed entity currently in the early construction phase. They can not obtain their XXXX XXXX XXXX permit or officially commence operations until this construction is completed, so it is expected that their public records are still updating. Crucially, the issuing company 's registered legal name is " XXXX XXXX XXXX '', but they operate under the XXXX " XXXX XXXX XXXX ''. Chase 's automated search is clearly failing to match the newly registered XXXX XXXX XXXX phone number due to this exact name discrepancy. Despite this obvious system limitation, limiting the verification strictly to Chase 's outdated database search is completely unfair. Chase has made absolutely no effort to verify the issuer through other available official channels. For instance, the issuer 's information can be found on the public NPI ( National Provider Identifier ) registry, but Chase representatives refused to even check it. I explicitly offered multiple standard alternative verification methods : providing a CPA letter, corporate formation documents that clearly link the legal name and XXXX, a lease agreement, or facilitating a 3-way call. Most importantly, the issuer 's own bank is ready and willing to verify to Chase directly that this is a legitimate corporation. Chase has flatly ignored and rejected every single one of these reasonable proposals. To make matters worse, Chase customer service representatives have given me conflicting and inconsistent answers regarding how long this hold will actually last, causing immense confusion. Because my {$50000.00} is frozen, I am being forced to delay subcontractor payments and use personal funds to cover business expenses. I desperately need the CFPB 's mediation. I request that Chase 's XXXX XXXX XXXX manually review this case, accept the alternative verifications ( such as a bank-to-bank confirmation, a 3-way call, or the DBA corporate documents ), and immediately release my {$50000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was called 3 times in a row and disregarded. Then XXXX call XXXX answered and agent stated he was with navy federal fraud department and there was a XXXX XXXX loan opened in my name for $ XXXX and a {$1.0XXXX XXXX transfer from my navy federal credit card to an unknown name in XXXX. He asked if I authorized. I stated no. He said he would cancel the XXXX XXXX transfer and work with XXXX XXXX to report and reverse the loan. He asked me to log in to my navy federal account, as the password changed, I had to give him the authorization code via text. I did. He changed the password and stated he was working on my account. I then logged in my account and seen exactly XXXX XXXX in my checking. I assumed it was from cash app. So he stated to cancel out the XXXX XXXX loan with XXXX XXXX I will need to transfer funds back to XXXX XXXX to cancel out loan. I sent 3 separate transactions to XXXX XXXX in the amount of {$4700.00}. He then had me add cards to my XXXX XXXX to transfer the money added. Then after I transferred he said that the XXXX XXXX loan would cancel out. He needed to get everything completed and would call me back. We disconnected and I called navy federal XXXX XXXX minutes after to confirm. They had no record so I placed a claim and while on the phone, the number called me 3 times or more and I asked navy federal should I 3 way him in the call, navy agent refused. I opened a separate investigation with XXXX XXXX I filed a police report with XXXX police department report # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Credit Card has a charge of {$1800.00} that I did not make. Citibank is saying because it was in my XXXX XXXX. It is my charge, but it is not.

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 2026-03-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX, NJ XXXX XXXX XXXX [ Date ] LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Debt Validation Dear Sir/Madam, I am writing to formally request the validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide validation of this debt. I ask that you provide the following information to support your claim that this debt is valid and that you have the legal right to collect it. Please provide the following : 1. The Original Agreement : A copy of the original signed agreement or contract that created the debt, including the terms and conditions that apply to this debt. 2. Payment History : A detailed history of all payments made on this debt, including the dates, amounts, and the current balance owed. 3. The Name and Address of the Original Lender : Please provide the full name and address of the original creditor who provided the credit, including any identifying details necessary to show the chain of ownership. 4. Proof of Ownership of the Debt : Evidence that you are the legal owner of this debt and have the right to collect it. This could include a copy of the assignment or contract that transfers the debt from the original creditor to you. Please note that I am requesting this information in accordance with my rights under the FDCPA. If you can not provide this validation within 30 days of receipt of this letter, I ask that you cease all collection efforts and remove this debt from my credit report. Additionally, I request that you stop contacting me directly. Please direct all future communication through written correspondence only, and ensure that any reporting of this debt to credit bureaus is frozen while the debt is under dispute. I appreciate your prompt attention to this matter. Failure to validate the debt within the required timeframe will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is in response to previous case/claim # XXXX I am writing to formally dispute Venmos determination regarding the XX/XX/year>, transaction for {$2000.00} sent from my account. I did not authorize this payment, and the recipient was a random account with whom I had no prior transaction history. At the time of my initial report, I stated that I had no idea how this transaction occurred. Upon further reflection, I realized that my unlocked phone had been briefly unattended in a public location on that day, and Face ID or other authentication was not required to send a payment. I believe this explains how the transaction could have been initiated without my knowledge or consent, despite Venmos finding that login activity appeared consistent. I request the following information to further clarify this unauthorized transaction and I was told they would email me with all of the information I requested in my previous complaint within 30 days, it has now been 60days of no contact : The IP address and geolocation data associated with the payment The authentication method used for this transaction Whether the recipient account had been recently created or has prior fraud reports Whether the funds were immediately transferred or withdrawn I have filed a police report regarding this unauthorized transaction and continue to assert that I did not authorize this payment. If this matter can not be resolved through internal review, I am prepared to pursue arbitration as outlined in Venmos User Agreement. I am not giving up because I did not authorize this payment. I would like you to look in to this persons account as well and provide as much information to me as possible for my future legal proceedings. Thank you for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I noticed my Chime balance was far lower than it should be. I opened the app and checked the recent transactions and noticed 3 transactions I did not make. One of XXXXXXXX XXXX and two of XXXX $ totaling 2000 $ to a person I've never sent or received money from before. Username was XXXX XXXXXXXX XXXX I did not make nor approve of this transaction, I immediately called Chime customer support and told them of the fraudulent charges, they froze my account and had me talk to their fraud department. After giving them all the information they requested and told him I was heading to the police station to make a report they said they would open a dispute case for the charges. I was told by the officer who took my report that it would take between 7-14 business days to receive a copy of said report. On XX/XX/XXXX Chime denied my dispute before I was able to even turn in said police report. I called customer service again and they said they would reopen the claim as soon as I was able to provide the report. On XX/XX/XXXX I received the report from the police station and on XX/XX/XXXX I summited it to Chime who then reopened the dispute. On XX/XX/XXXX they once again denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Request for Debt Validation and Investigation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : 1. The name and address of the original creditor 2. A copy of the original signed agreement or contract 3. A complete payment history, including how the current balance was calculated 4. Documentation showing the reporting partys legal right to collect this debt 5. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation