vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within 30 days. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
People hacked my account on cashapp and sent themselves money. People I never made transactions to. Cash app refuses to give me money back when I didn't make these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NY

Complaint narrative:
I am requesting a refund of the {$890.00} security deposit from my closed/upgraded Capital One account. I submitted a formal written request via email on [ XX/XX/year> ]. Under Regulation Z ( XXXX CFR XXXX ), the bank is required to refund this credit balance within 7 business days of a written request. Capital One representatives have repeatedly refused to follow this timeline, stating a 'two billing cycle ' wait instead. I am requesting my funds be returned immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citibank and deposited money in and connected a direct deposit from my employer. When I tried to get into the account I was blocked and told the account was being closed. They are holding my income and I have no access to it and no rationale for why. I called an was told they cant explain why they are holding my money and closing the account. I tried to speak with a supervisor and was hung up on. The company is Citibank.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX to Rocket Mortgage. Shortly after the transfer, Rocket Mortgage withdrew a payment from my checking account without my authorization. I did not consent to autopay enrollment, nor did I authorize any payment to be processed at this time. My loan is actively in the process of being refinanced and is near closing. Upon discovering the unauthorized withdrawal, I attempted to contact Rocket Mortgage directly but was only able to reach a chatbot and did not receive a resolution. I have since contacted my bank to dispute the transaction. I am requesting that Rocket Mortgage immediately reverse the unauthorized payment and return the funds to my account in full. I also request confirmation that the unauthorized autopay enrollment be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/year>XXXX I received a notification of a debt from Jefferson Capital, LLC requesting validation of a debt. The information isn't correct. The validation deadline stated that if I would write to them by was XX/XX/year>, to dispute the debt, they must stop collection until they send me information that shows I owe the debt. On XX/XX/year>XXXX I mailed by certified mail and priority mail a request to verify the debt. The priority mail receipt I received stated delivery by XX/XX/year>. Upon tracking the notice, the mail hadn't been delivered by the date and had been lost by the postal service. I submitted an investigation through the USPS. Documentation is included. On XX/XX/year>XXXX I called Jefferson Capital LLC to see if they may have received the dispute letter and shared that I was requesting verification of the debt. The representative stated it hadn't been received. I shared that I would overnight the letter to them. The package was received by Jefferson Captial on XX/XX/year>XXXX and signed for by XXXX XXXX XXXX. On Saturday, XX/XX/year> the collection was placed on my credit report. I feel this is shady practice and an attempt to go ahead an place it on my credit report, especially since knowing that I was disputing the debt. I will be submitting a formal dispute through the credit bureau because the information the collection agency is reporting isn't correct. Still, I wanted to know how the company came up with their information before reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported on my credit report by Online Information Services with an open date of XX/XX/year>. I do not recognize this account and have no knowledge of any debt or obligation with Online Information Services. I have never received any written notice, billing statement, or communication from this company regarding this alleged debt. I have previously disputed this account with the credit reporting agencies, but the account continues to be reported without proper verification or documentation being provided to me. Additionally, this collection agency does not appear to have accessible contact information or a working phone number, which has prevented me from requesting validation directly from them. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose related to a credit transaction initiated by the consumer or another authorized purpose under the statute. At this time, I have no knowledge of initiating any transaction with Online Information Services or authorizing them to access, report, or collect any debt under my name. Because I do not recognize this account and have not received any validation establishing that this debt belongs to me, I am requesting that Online Information Services provide full documentation validating this alleged debt. This documentation should include the original creditors name, the date the account was opened, the amount owed, proof that I authorized or entered into an agreement creating the debt, and proof that Online Information Services has the legal authority to collect and report this account. If Online Information Services can not provide sufficient documentation establishing a permissible purpose and validating that this debt belongs to me, I request that this account be immediately removed from all consumer reporting agencies. This inaccurate reporting is negatively impacting my credit profile, and I am requesting a prompt investigation and resolution. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
Please reference XXXX XXXX. This is a continuous of a Consumer Financial Protection Bureau case that was closed unsatisfactory. CashApp only provided a vague and general statement and lied about transaction disputes that I NEVER made. My CashApp account was first closed and deactivated on XX/XX/XXXX. I appealed that decision immediately on XX/XX/XXXX. My appeal was denied with absolutely no reasoning. I tried to call customer support many times but they are not able to tell me why my account was disabled. I appealed the decision again and I never heard from them. I never disputed a transaction. I'm totally unaware of any transaction that would violate the company 's Terms of Service and Acceptable Use Policy. If you are sure that I did, please provide the transaction that caused this. That's all that I request!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2024 I transferred {$3500.00} from my Capital One account to my XXXX account. The money never got to my XXXX account and is gone from my Capital One account. After a year and a half of calling them, Capital One will not return my money and can not tell me where my money is or where it went

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
My debit card information was stolen. I am not sure where or how this took place as the card is still in my possession and now shut down. I would assume my information was stolen from XXXX as I have used my card on that site prior to this incident. I realized over {$1700.00} in transactions had taken place on my card at XXXXXXXX so I called Navy federal to freeze the card and dispute the charges. Then I went to my local XXXX XXXX and requested they pull up records of the purchases. The items were ordered by someone with a different name, phone number, email and delivery address. I caught the charges after the items had already been delivered to this person unknown to me in another state. I gave these documents to Navy federal and they denied my dispute. I escalated it another time to Navy Federal which they denied again.

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 2026-03-10 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: CA

Complaint narrative:
Complaint Against : JPMorgan Chase Bank, N.A. I am filing this complaint regarding unresolved unauthorized credit card transactions totaling {$110000.00} associated with my Chase account. The unauthorized activity was first reported to Chase on XX/XX/year> and is associated with : Claim Number : XXXX Escalation Case Number : XXXX These transactions were not authorized by me, were not approved by me, and were not initiated by me. I did not receive any goods, services, or financial benefit from these transactions. Despite prompt reporting and months of follow-up, Chase has denied the claim and marked it closed, stating that the merchant provided documentation showing that benefit was received. The documentation referenced appears to consist primarily of identification materials that were uploaded within the merchant application and records showing that funds were deposited and subsequently spent. However, any funds deposited into the associated account were immediately spent or transferred out by whoever carried out the fraudulent activity. This does not demonstrate that I authorized or benefited from the transactions. Instead, it is consistent with third-party fraud or account takeover. To date : No funds have been returned No meaningful investigative findings have been provided Chase has not explained how it determined that the transactions were authorized The financial impact of {$110000.00} remains unresolved This matter has now been ongoing since XX/XX/year> despite my extensive efforts to resolve it directly with Chase. I have sent more than 140 written communications and multiple follow-up requests seeking clarification and resolution. Under the Truth in Lending Act ( 15 U.S.C. 1643 ) and Regulation Z ( 12 C.F.R. 1026.13 ), the burden is on the card issuer to demonstrate that the use of the card was authorized once a consumer reports unauthorized transactions. The limited documentation referenced by Chase does not establish authorization, nor has Chase provided the investigative records supporting its conclusion. I am requesting that regulators review Chases handling of this dispute and require the bank to conduct a proper investigation. Specifically, I request : Reopening of Claim # XXXX Full disclosure of the investigative findings relied upon to deny the claim Review of the merchant documentation used in the denial Immediate restitution of the {$110000.00} associated with these unauthorized transactions This situation has been ongoing for months, and I urgently need these funds returned. I am requesting regulatory review to ensure compliance with federal consumer protection laws governing unauthorized credit card transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Failure to Validate Debt I am writing to formally dispute an account reported on my credit report by Radius Global Solutions On XX/XX/year>, I sent Radius Global Solutions a written request for debt validation regarding this alleged account. As of today, I have not received any documentation verifying that this debt is valid or that I am legally responsible for it. Additionally, the account currently appearing on my credit report is incomplete and inaccurate because it does not list a balance amount. Reporting incomplete or unverifiable information violates the Fair Credit Reporting Act. Because the debt collector has failed to provide validation and the account information is inaccurate, I request that this account be investigated and removed from my credit report. Please provide me with written confirmation of the results of your investigation.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: KY

Complaint narrative:
XXXX has had this account under review, since XXXX, and Jefferson Capital has the date in XXXX, the account was sent to arbitration in XXXX and should never have been sent to collection, its been over 7 years and jefferson capital will not remove it, XXXX will not respond to emails about the review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a follow-up to my original complaint. More than 15 days have passed since my dispute was filed, and the response provided by Equifax did not address the substance of my concerns or provide documentation supporting the accuracy of the XXXX account. Equifax stated that the account was verified by the furnisher ; however, no documentation was provided showing how the account was verified or what records were reviewed during the investigation. A generic statement that the furnisher confirmed the information electronically does not demonstrate that a reasonable reinvestigation was conducted as required by the Fair Credit Reporting Act. Additionally, Equifax acknowledged that several fields on the account were modified after my dispute, including the Closed Date, Scheduled Payment, and Additional Information. If the information required correction after my dispute, this raises concerns about the accuracy and completeness of the data that was previously reported to my credit file. Under FCRA 611, consumer reporting agencies must conduct a reasonable reinvestigation and can not continue reporting information that can not be verified with reasonable accuracy. I also requested the method of verification under FCRA 611 ( a ) ( 7 ), which has not been provided. At this time I am requesting escalation of this matter to the compliance or legal department for both Equifax and the furnisher. Specifically, I am requesting the following : 1. The complete method of verification used to verify the XXXX account. 2. The name, address, and department of the entity or individual who verified the information. 3. Copies of any documentation used to verify the account, including account-level records linking this account to me. 4. An explanation for why the account information changed after my dispute if the reporting was allegedly accurate. If Equifax and the furnisher can not provide documentation demonstrating the accuracy of the account, I am requesting that the tradeline be removed from my credit file to ensure compliance with the Fair Credit Reporting Act. I respectfully request that the CFPB require a documented reinvestigation or deletion of the disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my account in XXXX and never released any funds nor gave any additional information about my account and the funds in the account

Company response to consumer: Closed with explanation