vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: PA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year>, XXXX wire transfers were sent from my Chase business account in the amounts of {$100000.00}, {$5700.00}, and {$300000.00}. These wires were initiated after my business email account was compromised through a Business Email Compromise ( BEC ) incident. An attacker intercepted legitimate communications with a vendor and altered wiring instructions using fraudulent documents, making the payment instructions appear legitimate. 

At the time the wires were submitted, I reasonably believed the instructions were authentic and associated with a legitimate vendor transaction. The authorization was induced through deception, not through a voluntary decision to send funds to an unintended recipient. 

After discovering the fraud, I immediately notified Chase Bank and requested a formal recall of the wire transfers. I also filed an FBI IC3 complaint and secured and remediated the compromised email account. 

Chase denied my fraud claim on the basis that I authorized the wires because I physically initiated the transfers. However, Chase did not meaningfully consider that the authorization was obtained through fraudulent manipulation of my email system and falsified payment instructions. 

This was not a mistaken payment or clerical error. It was a sophisticated fraud scheme involving compromised communications and altered financial instructions. 

I requested that Chase investigate the matter as a fraud-induced authorized transfer and review whether internal fraud detection and AML procedures were triggered. I have not received evidence of a substantive investigation into the receiving account or whether it was associated with additional fraudulent activity. 

I am requesting regulatory review of whether Chase conducted a reasonable and good-faith investigation into this Business Email Compromise incident and whether its determination that this was not fraud was appropriate under the circumstances. 

All supporting documentation, including email evidence and wire confirmations, has been preserved and is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a credit card account with Citibank. 

Within minutes of opening the account, I decided not to proceed with establishing a credit relationship and immediately attempted to cancel the account. 

I contacted Citibank customer service the same day and repeatedly throughout the following week. I experienced excessive hold times and was unable to obtain confirmation that the credit card account was closed. 

Despite my prompt cancellation attempts, I am concerned that : The account may remain open against my wishes Fees, interest, or penalties could be assessed The account could be reported to consumer reporting agencies I could be exposed to unauthorized charges I did not use the credit card, did not activate it for use, and immediately sought cancellation. However, I have been unable to obtain written confirmation of closure. 

I am requesting regulatory assistance to ensure this account is closed properly and that no financial harm results from my prompt cancellation request. 

I consent to publication of this complaint after personal information is 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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I attempted to deposit {$240.00} in cash at a Wells Fargo drive-through ATM located at the XXXX XXXX XXXX XXXX XXXX Florida XXXX The ATM accepted my cash and continued processing. During the transaction, the machine displayed the message Cash Deposits Currently Not Accepted. My account was not credited and my cash was not returned. 

I immediately filed a claim the same day. On XX/XX/XXXX, Wells Fargo issued a provisional credit of {$240.00}. On XX/XX/XXXX, Wells Fargo reversed the provisional credit after stating their investigation found no ATM overages, shortages, loose cash, or jam. 

I dispute this conclusion. I have photographic evidence showing the ATM error message at the exact date and time of the incident. A mid-transaction malfunction may not necessarily result in a detectable overage or shortage during reconciliation. The investigation appears to rely solely on post-transaction cash balancing rather than a full review of transaction error logs and machine status at the time of the deposit. 

I escalated the matter to a supervisor on XX/XX/XXXX, and met in person with a branch manager on XX/XX/XXXX. The case was escalated to Wells Fargos XXXX XXXX XXXX XXXX. Despite escalation, the claim was denied and closed. 

I requested supporting documentation, including ATM error logs, reconciliation reports, and service records related to the date and time of the incident. I have not yet received this documentation. 

I am requesting reimbursement of the {$240.00} and a reinvestigation that includes review of ATM transaction logs, machine error codes, and service records from XX/XX/XXXX at approximately 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my banking experience with Chase Bank. 

In XXXX, my account was closed, and I was informed that my remaining balance would be issued via cashiers check. My closing statement confirms that the check was issued. However, more than two months later, I have not received the funds. 

I have contacted customer support numerous times and have been repeatedly told that the check was sent and would arrive within 57 business days. Recently, I was given conflicting information stating the check was issued but does not yet have a check number. 

This situation reflects poor communication, lack of accountability, and an unreasonable delay in releasing my funds. The delay has caused financial inconvenience, emotional distress, and a significant waste of time. 

I am requesting regulatory assistance to : Investigate the status of my funds Ensure prompt payment of my closing balance Prevent further delays or misinformation I am prepared to provide supporting documentation, including my closing statement and call records. 

Thank you for your assistance and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: SC

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with XXXX U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to XXXX U.S.C. Section XXXX, once an identity theft report is received, a credit reporting agency is required to block the disputed information within XXXX ( XXXX ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : GET FINANCED - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than XXXX  days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute a collection account from EXPERIAN that is being reported on my credit file, which I do not recognize. XXXXXXXX XXXX XXXX XXXXXXXX date opened was XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provided me any of it. The reporting of these accounts violates15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of these unrecognized collection accounts from my credit report. Please provide written confirmation once this has been resolved. Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Repeated calls with threats to sue for an account that I have disputed several times and advised it is not mine. Reported info to CRA as mine. Dept collection and reporting outside of Statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute a collection account from EQUIFAX that is being reported on my credit file, which I do not recognize. XXXX XXXX XXXXXXXX date opened was XX/XX/XXXX and XXXX XXXX XXXXXXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provided me any of it. The reporting of these accounts violates15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of these unrecognized collection accounts from my credit report. Please provide written confirmation once this has been resolved. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 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: FL

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 2026-02-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and was XXXX when I was sold a residential solar system at my home. The salesperson represented that this was connected to a government program, that tax credits would cover most of the cost, that I would have no out-of-pocket expense, and that my electric bill would be significantly reduced and possibly paid by the utility company. 

These representations have not proven true. My electric bill did not significantly decrease, and after adding the GoodLeap loan payment, my total monthly expenses increased by more than {$200.00} per month. 

The system was sold at my home and I did not fully understand the long-term financial obligation. I am on fixed income. 

I notified GoodLeap in writing disputing the loan based on misrepresentation and elder financial exploitation. GoodLeap refused to review the dispute and directed me back to the installer, XXXX XXXX, who has not responded. 

This loan was directly tied to the sale of the solar system and should be reviewed under the FTC XXXX XXXX. I am formally disputing this loan and requesting cancellation or substantial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX ( FCO ). The disputed charges are not authorized by the lease agreement. 

During reinvestigation, XXXX reported the account as verified and updated. The only documentation provided by FCO consisted of a lease and a move-out statement. These documents do not identify any lease provision authorizing the disputed charges, do not provide itemized calculations, and do not establish legal enforceability. 

Under 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation upon notice of dispute from a credit reporting agency. Simply restating the creditors claim does not constitute a reasonable investigation. 

Despite being notified that the charges lack contractual authorization, FCO continues to report the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
BMO flagged a XXXX deposit as fraud despite it being from a retirement institution and being an official check. They are holding it for over a week and will not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: FL

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 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I received an email saying that I owed a dental company XXXX XXXX XXXX XXXX {$880.00} but the name they have is my XXXX name not my legal name and not the correct date of birth and the last 4 of a credit card that was stolen.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I got a letter from Synchrony Bank stating I asked for a credit product with XXXX XXXX issued by synchronized bank. I DID NOT DO ANY SUCH TJING. I've never heard of this bank nor do I wish to be on their mailing list. It has been reported as a scam. Their contact info is as follows... 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company has blocked/restricted my checking account around XX/XX/XXXX for no particular reason, after the phone call and bank branch visit I got information that the reason was wire transfer which I made to my other bank account. I tried to re-open my account at least to get back my funds but my funds are still on hold/blocked and account restricted, nobody was willing to help or assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: NJ

Complaint narrative:
XXXX between XXXX XXXX. and cashapp they expect me to know every thing that happen with my bank tranfers plus cashapp tranfers i didnot do all of those i said to my bank andcash app none of these transfers i reconnized so my bank told me cashapp tranfers need to be check for fraulent charges.

Company response to consumer: Closed with explanation