vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent my son an XXXX XXXX payment in the amount of {$80.00} USD, which was deducted from my Chase debit account. On XX/XX/XXXX, I noticed three ( 3 ) additional unauthorized transactions of {$80.00} each, totaling {$240.00}. I contacted XXXX XXXX to inquire about these transactions. The XXXX XXXX representative informed me that the only transaction visible on their end was the {$80.00} payment requested by my son and paid by me on XX/XX/XXXX. They stated that no other transactions appeared on my XXXX XXXX account and advised that the issue was likely an error on Chases side. I subsequently disputed the transactions with Chase. Chase requested supporting documentation and issued a temporary credit for the disputed amount. I provided a screenshot of my sons payment request and a screenshot confirming the {$80.00} payment from my XXXX XXXX account. On XX/XX/XXXX, Chase sent me a claim denial letter stating that the screenshots were insufficient. The letter further indicated that they were denying my claim, reversing the temporary credit, withdrawing the {$240.00}, and closing the claim. I contacted Chase the same day to ask what additional documentation would be required to demonstrate that the three additional transactions were unauthorized. I was advised to provide a statement from XXXX XXXX showing my transaction history. I uploaded the requested statement that day. Today, Chase withdrew the {$240.00} from my account. I called Chase again to ask what further evidence would be needed. I was informed that there was nothing more they could do because they believe XXXX XXXX is responsible for the error. I then contacted XXXX XXXX again, and they stated that they have already provided all available information and that the XXXX additional {$80.00} transactions do not appear on my XXXX XXXX account. At this point, XXXX maintains that the three additional transactions do not exist on their platform, while Chase maintains that XXXX XXXX is responsible. As a result, I am out {$240.00} while both companies continue to point to each other for responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: TX

Complaint narrative:
I have been trying to work with international debt collector, Indebted Debt Collections, to pay off a debt that I owe on a payday loan to Possible Finance. I don't owe too much more on this debt now. In order to access my account, I have to have a code. This code was never provided to me when I've asked, and everytime I try to request a code to access my account to make a payment, they don't respond. So I'm left waiting for an email to gain access to my account which never comes. I'm trying to pay my debts off after having some problems financially, and in order for me to do this, I need the company to work with me. I'm very frustrated because if they don't give me a code, how can I pay off my debt? They say they are different from other debt collectors, but I think they are purposely not willing to work with people to give them access to their accounts. There has to be a way to have access to my account. I've repeatedly emailed the customer service to ask for a code or ask for help accessing my account, without any response. In other words, this company isn't working with me to allow me the opportunity to pay off this debt. This is so wrong, for a company to deny access to my account, and the way I see this situation, they aren't willing to work with me. I've reported these incidents with the BBB, and now I'm trying to get help from you. I'm at the point where, judging by their actions, I don't think they want to work with me, they are making it impossible for me to pay this debt off, and I feel like I need to stop paying them. This isn't how things should be. XXXX I have your help, please? Thank you for the opportunity to file this complaint, and I look forward to not only hearing from you, but also being given to finish paying my debt Thank you very much, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, a charge of {$2800.00} was posted to my Best Buy credit card for credit funding consulting and house renovation services provided by XXXX XXXX XXXX, processed through their merchant processor XXXXXXXX XXXX services were ever delivered. The XXXX of XXXX XXXX XXXX, XXXX XXXX, sent me a written email on XX/XX/year> confirming that no services would be rendered, that I was fully entitled to a refund, and that he would not appeal any chargeback. In a second email on XX/XX/year>, he confirmed that XXXX falsely notified banks that services were delivered without his authorization, which he stated may constitute a violation of the Electronic Fund Transfer Act ( EFTA ) and the FTC Act. I filed a chargeback with Best Buy credit card services for {$2800.00}. The dispute was denied despite having written confirmation from the merchant that no services were rendered. XXXX made false representations to Best Buy claiming services were delivered, causing my dispute to be wrongfully rejected. I am requesting the CFPB investigate this matter and assist in recovering the {$2800.00} that was wrongfully charged and remains unrefunded.

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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Account : CREDIT CONTROL LLC XXXX XXXX XXXX ) Balance {$900.00} Opened XX/XX/year> This account is disputed as identity theft and/or inaccurate reporting under the Fair Credit Reporting Act. Violations include : - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I demand immediate deletion unless full verification is provided. Sincerely, 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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: IL

Complaint narrative:
SELF/SOUTHSTATE BANK # XXXX I am formally requesting verification of the collection account reported on my credit report. under the fair credit reporting act, you are required to report only information that is complete and verifiable. I am requesting that you provide full documentation supporting this account, including : -original signed contract -complete payment history -proof of lawful collection -copies of all notices sent to me including right to cure and sale notice -detailed balance calculation if you are unable to provide this documentation, then under the FCRA, this account must be removed from my credit report immediately. Additionally, if any portion of this account is inaccurate, incomplete, or unverifiable, I demand its deletion. Please investigate this matter and respond within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Kubota North America Corporation
State: OR

Complaint narrative:
I bought a piece of equipment through Kubota. The contract I signed says I must make my payment of {$1400.00} once a month. Multiple times Ive tried to make a payment using their online payment system and it glitches out and either will not accept the payment and charge me a late fee or insufficient funds fee or I will try to make the payment again and I end up getting charged a double payment. They also have Reported late payments onto my credit report. I have never not had the money to pay for it in my account or not paid the bill within the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
This month XX/XX/XXXX. I was scammed on CashApp by way of my account was hacked. I was so shocked how unresponsive CashApp has been. This scam caused me to review every transaction on CashApp and remembered that in XX/XX/XXXX I was scammed by a fraudulent tree service I met through my neighbor across the street. He asked for payment upfront so I paid him through CashApp because he was going to cut my neighbors tree and mine that day, well needless to say after he was paid he never came back and I confronted my neighbor why did you introduce me to this man, it turns out he did not know him that well. I disputed this transaction on CashApp, but they never really did anything just like the lack of response I am facing now with CashApp, I have decided not to use CashApp anymore as it seems they just facilitate fraud and never take responsibility. The transaction I am referring to in this complaint is a payment to 'Tee ' for {$1200.00} with transaction number : XXXX on XX/XX/XXXX. I would like a refund please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Concern Regarding Potentially Unfair and Inconsistent Overdraft Fee Practices Wells Fargo I am submitting this complaint regarding overdraft fee practices on my checking account with Wells Fargo, which raise concerns about transparency, consistency, and compliance with consumer protection standards. On or about XX/XX/year>, I made a payment to XXXX XXXX that resulted in a temporary negative balance of approximately {$40.00}. I transferred funds the same day via XXXX specifically to ensure the account was brought positive promptly and to avoid any overdraft-related charges. Despite covering the balance within the same day, an overdraft fee was assessed. When I contacted customer service, representatives were able to confirm the timing of the transactions but could not explain how or why the fee was triggered under these circumstances. I was also informed that there was no mechanism available to reverse the charge, even where the application of the fee could not be justified. This situation raises broader concerns beyond a single transaction : * The apparent lack of clear and understandable rules governing transaction posting order and fee assessment * Inconsistent application of overdraft policies, even when funds are deposited in a timeframe that would reasonably prevent fees * Inability of customer service to interpret or correct fee outcomes, suggesting a lack of internal controls or oversight * Whether consumers are being provided accurate and meaningful disclosures about how to avoid fees Additionally, after reviewing my account history, I have identified multiple overdraft-related fees assessed over time under similarly unclear circumstances. This raises concern about whether these practices may reflect a broader pattern affecting consumers. Given the above, I request that this matter be reviewed to determine whether these fee practices are being applied in a manner consistent with applicable consumer protection standards and disclosures. I would also appreciate a detailed written explanation from Wells Fargo outlining : XXXX. The exact transaction posting methodology used in this instance 2. How overdraft determinations are made when deposits and debits occur on the same day 3. What internal controls exist to prevent improper or inconsistent fee assessments I am prepared to provide supporting documentation upon request. Sincerely, XXXX XXXX Acct : XXXX XXXXXXXX

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt obviously originated from XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXXXXXX evidently opened a utility account in my name that I didn't not authorize and nor was I aware of. I have never resided at the address associated with the original XXXX XXXX XXXX account. I only found out about this when a collections for {$1500.00} showed up on my credit report on XXXX. The debt was then sold to collection agency XXXX XXXX, which I previously filed a complaint against with CFPB. As a result, XXXX group ceased collection and removed all negative remarks from my credit reports. Evidently XXXX XXXX has now resold the fraudulent debt to another collection agency, I.C Systems , Inc. As stated, this debt does not belong to me, I have never signed any contract with the original creditor or any of these subsequent collection agencies. I.C. Systems, Inc. has not ( and can not ) verify this debt therefore must cease and dissist all collection efforts as well as remove negative remarks from all three credit reports.

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 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a motor from XXXX XXXX XXXX in XXXX, New York for {$1200.00}. That was split between XXXX cards which ended up totaling XXXX because they had to charge me tax due to me not paying cash. The front desk representative XXXX stated that he would have XXXX a yard worker deliver the motor to me by Monday, the latest. I called all that week and it was always a different excuse as to why the motor was not delivered. A week later, I no longer need the motor because I purchased a new one being that they did not have the capability to extract the motor and deliver it as promised. I asked multiple times for a refund and they continued to deny my request therefore I later disputed it with both banks, Capital One for {$1000.00} on a credit card and XXXX for {$300.00} as a debit transaction. As for Capital One, they first denied the resolution in my favor until I proved that I did not receive the merchandise because I did not sign for pick up. It was later resolved in my favor after I sent in a receipt showing I did not pick up the merchandise however, there is a period of time where the merchant can prove their case and XX/XX/XXXX is when the resolution in my favor was then rescinded and correspondence was sent stating that I am responsible for making the payment of {$1000.00} for something that I did not receive. I am kindly asking for a refund. There are laws and protections against these kinds of incidents however, I do not think that this was investigated thoroughly and they continue to take the side of the merchant instead of taking the side of the consumer who paid for something that they are never going to use because it was never in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: KY

Complaint narrative:
Case Number : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX digit visa network ID : XXXX Violation : Regulation E ( 12 CFR 1005.11 ) - Missing Provisional Credit On XX/XX/XXXX, I reported an unauthorized {$400.00} transfer to a XXXX XXXX account due to a social engineering scam. I provided an FBI IC3 report and a XXXX Visa ID. Today is the 10th business day. Under Regulation E, Cash App was required to provide a provisional credit by the 10th day since the investigation is incomplete. Cash App has failed to do so. Furthermore, support agents on XX/XX/XXXX gave me false closure dates of XX/XX/XXXX to avoid the deadline, despite an advocate ( XXXX ) working my case at XXXX XXXX on XX/XX/XXXX. Their support bot 'XXXX XXXX also admitted in writing on XX/XX/XXXX that she has NO access to XXXX or XXXX XXXX XXXX. I am a victim of fraud being denied my legal rights under the XXXX CFPB Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
There were fraudulent transactions on my payroll card I filed a claim and they did not have denied my claim. I have a police report and also found the report with the FTC. Money network is just giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account that the company continues to report on my credit file despite being unable to properly identify or validate it. In their prior response, the company admitted they could not identify the account in question and requested that I provide documentation for them to locate it. This is concerning, as they are currently furnishing this account to consumer reporting agencies without having sufficient records to clearly identify or verify it. I requested full validation of the alleged debt, including identification of the account, the original creditor, documentation showing I am responsible for the debt, and proof of the companys authority to collect and report it. The company failed to provide this information. Despite their inability to identify or validate the account, the company continues to report this debt on my credit file. This is a violation of the Fair Credit Reporting Act, which requires all furnished information to be accurate, complete, and verifiable. If the company can not identify the account within its own system, it can not legally verify or report it. Continuing to furnish this information is misleading and harmful. I am requesting immediate deletion of this account from all consumer reporting agencies due to its unverifiable and inconsistent nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: MS

Complaint narrative:
XX/XX/year> Statement : On XX/XX/year> I discovered an unauthorized transaction on my Chime account in the amount of {$930.00} by a merchant listed as XXXX in XXXX, XXXX XXXX I did not authorize this and have never done business with any merchant by this name. I have attempted to locate any business with that name in XXXX but found no legitimate match, I requested that this be recorded as a fraud/unauthorized transaction and an investigation be initiated. I provided all documentation from my bank and account statements showing the disputed charges. I even submitted a police report. This was through my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
Debt Summary : {$1400.00} Radiology bill ( Service Date : XX/XX/XXXX ). Legal Violation : Under Texas Civil Practice and Remedies Code 146.002, a healthcare provider must provide an initial bill to the patient or insurer within 11 months of service. The deadline for this bill was XX/XX/XXXX. No bill was ever provided. Consequently, the debt is legally uncollectible. History of Dispute : I formally disputed this debt with the previous collector, XXXX XXXX XXXX, via Certified Mail on XX/XX/XXXX. I requested validation and proof of timely billing. XXXX failed to provide any validation. The Complaint : Instead of validating the debt, XXXX transferred or sold the unresolved, disputed account to National Recovery Agency ( NRA Group ). NRA then immediately reported this legally uncollectible and disputed debt to my credit report ( appearing XX/XX/XXXX ) without marking it as disputed or verifying the account history. This " debt dumping '' bypasses my legal dispute rights and violates the FDCPA ( 15 U.S.C. 1692g ) and the FCRA. I demand the immediate deletion of this account and ask for the agencies to be held accountable for continued collection attempts on a debt they know is legally barred from collection.

Company response to consumer: Closed with explanation