vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed this alleged debt with XXXX XXXX XXXX XXXX XXXX multiple times in writing and requested full validation of the account. Specifically, I requested : * The original signed credit agreement from Capital One N.A. * Complete account statements and transaction history * Full chain of ownership proving legal assignment of the debt to XXXX * Verification of the date of last payment and original delinquency Despite my repeated requests, XXXX XXXX XXXX did not provide proper legal validation of the debt. Instead, they only sent generic responses or directed me to request justification again, without providing the required documentation. Because of this, I do not consider the debt properly validated under the Fair Debt Collection Practices Act ( FDCPA ). The company continues attempting to collect the alleged debt without providing sufficient proof of ownership or supporting documentation. I am requesting that XXXX XXXX XXXX either provide full legal validation of this debt or cease all collection activity and correct/remove any related reporting if they can not verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing the late payment reporting on the above referenced account. Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be complete, accurate, and verifiable. The late payments currently being reported are inaccurate and/or can not be properly verified. I am requesting a full investigation of this matter. Please provide the original documentation, payment history, and any records bearing my signature that verify the validity and accuracy of these alleged late payments. If you are unable to provide verifiable proof that these late payments were reported accurately and in compliance with the FCRA, you are required to immediately remove the late payment entries from all consumer reporting agencies to which you have reported them. Please be advised that reporting information that can not be verified or that is inaccurate constitutes a violation of federal law. I expect this matter to be investigated and corrected promptly.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am disputing this account because I have no knowledge of ever opening or authorizing a Citizens Bank account in my name. I did not apply for, use, or benefit from this account, and I believe it may have been opened fraudulently or as a result of identity theft. I am requesting a full investigation into how this account was opened, including verification documents, application records, signatures, IP/device information, and any identification used to establish the account. If the account can not be properly verified as belonging to me, I request that it be immediately removed from my consumer report and that I not be held responsible for any associated balances, activity, or negative reporting. I have also filed identity theft/fraud reports regarding unauthorized activity associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Credit report showing company closed account while payments was being made monthly.

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 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Product : J.P. Morgan XXXX XXXX IRA ( Account ending in XXXX ) I. Unauthorized Alteration of Financial Records ( Data Integrity Failure ) : On XX/XX/XXXX, I purchased XXXX XXXX ( XXXX ) at a confirmed price of {$790.00} ( Ref : Trade Number XXXX in XXXX ). On XX/XX/XXXX, without any authorized trade, the system unilaterally changed the cost basis to {$800.00}, resulting in an immediate unexplained loss of {$15.00} in my total gain/loss calculation. While bank records may lack granular timestamps, my real-time visual evidence captures the account state at a precise moment, proving an unauthorized intra-day data fluctuation before daily finalization. II. Failure of Duty and Forced Account Migration : I contacted Chase customer support on XX/XX/XXXX. After speaking with XXXX different departments, the bank failed to provide any logical explanation or rectify this data conflict. Due to this loss of trust in XXXX data integrity, I was compelled to initiate a full account transfer ( ACATS ) to XXXX to protect my funds. Chase charged a {$75.00} transfer fee for this exit ( Ref : XXXX showing Day Change- {$75.00} ). Since this transfer was a direct consequence of systemic data errors and professional negligence, I demand a full refund. III. Persistent Security Concerns : This incident followed a previous case of credit card fraud on my associated Chase account in XXXX ( the exact date is on file with Chase 's fraud department ). Although the funds were removed from my card immediately and then they sent me a new credit card, the bank failed to deliver the promised formal investigation report even after the 90-day deadline had passed. This pattern of unresolved fraud and the current " data tampering '' indicates a systemic failure in internal audit and data security protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Earlier this year, I opened a Wells Fargo account in person with the assistance and approval of branch leadership after providing identification and completing the banks standard verification procedures. Approximately XXXX days later, the account was unexpectedly closed by Wells Fargos internal risk department. Based on conversations and the circumstances surrounding the closure, it appears this decision may be connected to a much older account issue from many years ago in which I was the victim of fraud and unauthorized use involving my banking information. I want to make absolutely clear that I was not the perpetrator of fraud, was never accused or convicted of any criminal wrongdoing, and did not intentionally misuse any account or banking service. What is especially concerning is that despite the significant amount of time that has passed, and despite Wells Fargo personnel reviewing and approving me for a new account relationship earlier this year, I appear to remain subject to a permanent internal restriction without meaningful reconsideration or review. Consumers who experience fraud or identity theft should not be indefinitely treated as though they themselves committed fraud. I fully understand and respect Wells Fargos obligation to protect against financial crime and manage risk. However, I believe there should also be a fair process that distinguishes actual perpetrators of fraud from consumers who were themselves victims of unauthorized activity. Since the original incident occurred many years ago, I have continued maintaining banking relationships elsewhere without issue. I have never engaged in intentional fraud, account abuse, or criminal conduct. I am simply requesting the opportunity to maintain ordinary personal and business banking services with Wells Fargo like any other legitimate customer. I am respectfully requesting : * a formal executive-level review of my profile and any internal fraud or risk coding associated with my name, * confirmation regarding whether negative information was reported to ChexSystems, XXXX XXXX XXXX , or similar consumer reporting agencies, * correction of any inaccurate or misleading fraud-related classifications if present, * and fair reconsideration of my eligibility to maintain personal and business banking relationships with Wells Fargo. Given the amount of time that has passed, the lack of any criminal wrongdoing, and the fact that I was the victim rather than the perpetrator of fraud-related activity, I respectfully believe continued indefinite restriction from banking services is unreasonable and warrants reevaluation.

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 2026-05-14 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: NE

Complaint narrative:
Credit Acceptance corporation made a XXXX car loan in my name without verification that the purchaser wasnt me and the SS number wasnt theirs. They then dinged my credit, harming me. XXXX recorded a call with them in which they denied using my SS number!

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been a victim of identity that and I dont have any acknowledgment about this account or did I gave consent? To open this account .. account was open fraudulently//

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 2026-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Turnbull Law Group
State: NJ

Complaint narrative:
I enrolled in the company 's debt settlement / credit repair program and authorized them to negotiate with my creditors on my behalf. XXXX of the accounts enrolled was an XXXX XXXX XXXX debt ( originally XXXX, serviced by XXXX XXXX XXXX ), with an original balance of approximately {$9400.00}. The company 's representative informed me by phone that this account had been settled with XXXX for {$5400.00}, to be funded by monthly disbursements from my escrow account. From at least mid-XXXX through XX/XX/XXXX, the company made periodic payments of {$10.00} each to XXXX XXXX XXXX on my behalf. The most recent payment shown on the transaction history they provided was dated XX/XX/XXXX. I was depositing approximately {$360.00} per month into my escrow account, and the company was deducting {$9.00} per month in service fees. On or around XX/XX/XXXX, I withdrew this account from the program. The company sent me a check for the remaining escrow balance of {$4300.00}. Payments to XXXX stopped at that point. On XX/XX/XXXX, I was served with a lawsuit by XXXX XXXX XXXX in the Superior Court of New Jersey, Union County, Special Civil Part, demanding the full original balance plus fees ( {$9400.00} total ). My court-ordered answer deadline is XX/XX/XXXX. On approximately XX/XX/XXXX, I submitted a written request through the company 's customer portal asking for : ( XXXX ) any written settlement agreement with XXXX, ( XXXX ) the complete payment ledger with proof of receipt, ( XXXX ) all correspondence with the creditor, ( XXXX ) records of how and when the company notified XXXX of my program withdrawal, and ( XXXX ) the identity of the negotiator and the XXXX representative who agreed to the claimed settlement. The company responded by stating they could not assist with my inquiry by email and instructed me to call them. I declined and requested again that they respond in writing, given the active litigation and the need for a documented record. As of the date of this complaint, I have not received the requested documents. The company 's refusal to provide written documentation of the claimed settlement while I face an imminent court deadline on the same debt is preventing me from properly defending the lawsuit and from determining whether the company misrepresented the legal status of the settlement they claimed to have negotiated. The transaction history they previously provided labels payments to XXXX as " XXXX, '' which does not confirm whether the payments were actually received and applied to the account. I am seeking the company 's full written documentation of this account so I can determine my legal position before the XX/XX/XXXX court deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I sent a {$600.00} partial security deposit to a man named XXXX XXXX for a rental home he listed on XXXX XXXX. We communicated back and forth through text messages consistently over the past XXXX weeks regarding the property, rental terms, move-in details, and payment information. During this time, he appeared legitimate and professional. XXXX XXXX also spoke with me over the phone and personally walked me through how to access and tour the property using the XXXX app. Because he was able to explain the process in detail and the home was accessible through the app, everything appeared legitimate and trustworthy. Based on our ongoing communication and the property tour process, I believed the rental listing was real. At his request, I sent him a {$600.00} partial security deposit through Chime. After the payment was sent, communication suddenly stopped. He has now blocked me and will no longer respond to my calls or text messages. I have since realized that the rental listing was fraudulent and that I was scammed out of {$600.00}. I have screenshots of our text conversations, payment confirmation through Chime, and any related information connected to the XXXX XXXX listing and communication. I am submitting this statement as part of a fraud/scam report and requesting assistance in investigating this matter and getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-14 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am writing to formally dispute charges reported on my XXXX account related to XXXX procedures that were never performed. On XX/XX/year>, my XXXX account was charged a large amount after my appointment on XXXX XXXX when I called shortly after to have it cancelled by my XXXX provider for a procedure that I never received. Prior to the scheduled procedure, I contacted the dental office multiple times to cancel the appointment and informed them that I would not be proceeding with the treatment. Despite my repeated attempts to cancel, the provider still processed the charge and I continue to be billed for services that were never rendered. I have made several attempts to resolve this matter directly with both the XXXX office and XXXX, but the issue remains unresolved. Because these charges are inaccurate and unauthorized for services not performed, I am requesting that this account be investigated immediately under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I visited Huntington Bank ( XXXX, XXXX ) [ XXXX XXXX XXXX. XXXX, XXXX XXXX ] on XX/XX/year> at approximately XXXX XXXX. I used their ATM to make a cash deposit of {$150.00} to my bank ( checking ) account ( my bank is the XXXX XXXX XXXX XXXX ), the transaction failed after I inserted the cash. The ATM failed to deposit my money, kept it in their machine and had a message on the screen, Your cash was not taken in time, To protect your accounts, Ive pulled your cash back in. Contact your financial institution. The machine went out of service afterwards. The machine did NOT complete my transaction, did NOT give me a receipt and did NOT give me my money back. Ive contacted my bank ( XXXX XXXX XXXX XXXX ) and they told me they were unable to file a dispute because the transaction that I made was NOT found on record, this baffles me because my card was stuck in the machine ( I was able to get my card back ) so I guess the ATM would have my card information. Ive contacted Huntington Banks customer service over the phone, they advised that I go to the branch where the incident occurred to file a in person dispute. I visit Huntington Bank ( XXXX, XXXX ) on XX/XX/year> at approximately XXXX to try to file a dispute to get my money back. The employee told me that they had no control over their own ATM machine and they ( Huntington Bank ) were unable to file a dispute because I have no accounts with them, I only used their ATM machine to try to deposit cash into my checking account ( XXXX XXXX XXXX XXXX ). She ( the employee ) told me that I would have to contact my financial institution ( XXXX ) to file a dispute ( something I already attempted to do ), no resolution. It baffles me that they ( Huntington Bank XXXX, XXXX ) say they have no control over their own ATM machine, my money is and should be in their machine. I would like my {$150.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/year> from XXXX XXXX to XXXX XXXX I want to direct deposit my payroll check to Money Lion ( XXXX ). I accidentally gave my employer wrong number well I missed a number with the account. So when I realized it today XX/XX/year> I did that. My employer stated the direct deposit has been sent out. So I called Money Lion thru XXXX phone call, XXXX online chat. I explained what I did. They basically told me that they can not help. Because they can not verified. I have to work with my employer. I try to explain this to the the women I talk to the only way my employer can help if my check was returned. I ask if they verify the name on the check with the account it's going to be sent to matches. They told they can not do that so my check can go in someone account and if they are not honest they can keep my money and it will be my lost. I gave all the information with the numbers I gave my employer for my direct deposit by accidently and told them what number I did not enter in my original request and what the correct one was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I preordered trees from XXXX. They were meant to arrive on XXXX the XXXX. On XXXX the XXXX the arrived at a job site, boxed and way to early. I contacted the company who would not pick them back up but would send more which would arrive after XXXX the XXXX. That wouldnt work so I disputed the charge on XX/XX/XXXX with my bank XXXX. I uploaded letters from a certified arborist who stated the trees were in decline being boxed for over XXXX day in unusual heat conditions along with photos to the XXXX dispute team. After XXXX days the claim was denied although everything I claimed was true and documented.

Company response to consumer: Closed with explanation