vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In early XX/XX/XXXX ( approximately XX/XX/XXXX ), our corporate bank account was targeted in an impersonation scam involving compromised debit card credentials. During this same fraud window, multiple unauthorized transactions occurred in sequence, including debit card charges and a {$990.00} XXXX transfer to a new and unfamiliar recipient. The {$990.00} XXXX transfer was not authorized. The recipient was not an established vendor, and this transaction was inconsistent with our normal XXXX usage patterns. No new-recipient email or text alert was received. A fraud claim was promptly filed with Chase ( Claim # XXXX ). On XX/XX/XXXX, Chase denied the claim, citing device ID continuity, and closed the case. Chase directed us to resolve the matter with XXXX. We requested documentation supporting the denial, including investigation findings, authentication records, device/IP analysis, confirmation of alert notifications, and explanation of how Regulation E was applied. Chase has not provided the requested documentation. This dispute involves an unauthorized electronic funds transfer during a documented fraud event. We are requesting proper investigation under Regulation E and reimbursement of the {$990.00} unauthorized transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My Chime account was closed on XX/XX/XXXX, with a remaining balance owed to me. Since the account closure, I have repeatedly requested disbursement of my remaining funds. Over the past XXXX years, I have been given inconsistent and contradictory information by Chime representatives regarding whether I would receive my remaining balance. I submitted my government-issued ID multiple times for address verification. After months of repeated requests for documentation, I was informed that a closure check was issued on XX/XX/XXXX. As of today, I have not received that check. During prior communications, I was also told on a recorded phone call that I would not receive my funds. Later, Chime reversed course and claimed a check was mailed. These conflicting statements have caused significant delay. I have complied with all verification requests and authorized the check to be mailed to the address shown on my government-issued ID. Despite this, I have not received payment and have not been provided confirmation of the check number, mailing address used, or whether the check remains outstanding. I am requesting regulatory assistance to ensure my remaining balance is properly delivered or formally accounted for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a text message alert stating that my Bank of America debit card had been used for a {$560.00} XXXX transaction that was declined and asking whether I authorized the transaction. I responded No. Shortly thereafter, I received a phone call from an individual who identified themselves as a representative of the Fraud Department at Bank of America. The caller referenced the recent declined transaction and stated that my account was compromised. I was told that in order to protect my funds from fraud, I needed to transfer my money to a secure account using XXXX XXXX. Because I had experienced legitimate fraudulent activity on my account multiple times in prior months, I reasonably believed this communication was authentic and directly related to the fraud alert I had just received. Relying on these representations, and believing I was acting at the direction of my bank to secure my funds, I transferred {$4900.00} via XXXX XXXX. I later discovered that this was an impersonation scam. The caller was not a Bank of America employee and had fraudulently represented themselves as such. The transfer was induced through deception and material misrepresentation. I did not intend to send money to a third party for personal use ; I believed I was safeguarding my funds from fraud. I reported the incident immediately in person at a Bank of America branch and was connected with the Fraud Department. At the time I reported the incident, the transfer was still pending. I formally disputed the transaction. This transfer was unauthorized within the meaning of the Electronic Fund Transfer Act ( Regulation E ) because my authorization was obtained through impersonation and fraud. I am requesting that Bank of America comply fully with Regulation E, conduct a proper investigation, provide provisional credit as required, and reimburse the {$4900.00}.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My late husband passed away on XX/XX/year>. In XX/XX/year>, his PayPal account contained approximately {$470.00}. PayPal advised that the account was frozen due to a suspicious transaction and that the funds would remain inaccessible until XX/XX/year>. Despite the account being frozen and PayPal having notice of death, an unknown party accessed the account in XX/XX/year> and withdrew the funds. I was not notified of this withdrawal and did not learn of it until XX/XX/year>. In XX/XX/year>, I submitted all documentation requested by PayPals Bereavement Department, including a certified death certificate, government-issued ID, and estate documentation. PayPal issued case numbers confirming receipt. Since then, I have made repeated attempts to resolve this matter. PayPal has failed to explain how funds were withdrawn from a frozen bereavement account, failed to restore the funds to the estate, and continues to request documentation that was already submitted months ago. PayPal is treating this as a routine account closure while ignoring an unauthorized withdrawal that occurred after notice of death and while the account was frozen. This constitutes failure to safeguard funds, improper investigation, and unreasonable delay. I am requesting a full transaction audit, written explanation of how this withdrawal occurred, restoration of the funds to the estate, and escalation to a senior case manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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 formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: VA

Complaint narrative:
I am reporting Sunlight Financial for enforcing an unenforceable loan originated through contract forgery and identity theft. On XX/XX/22, I signed a XXXX XXXX agreement. Sunlight Financial is instead enforcing a XXXX contract dated XX/XX/22 which contains a forged signature. I have written admission from the XXXX provider ( XXXX XXXX ) that the contract was altered and my signature bypassed. Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), Sunlight Financial is liable for the fraud of the seller. I am requesting a full refund of all payments and a {$0.00} balance on this 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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXXFraud case against Well Fargo XXXXDefrauding Organization:XXXXWells Fargo's corporate headquarters\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa bill from Wells Fargo was XXXX due on XXXX XXXX XXXXBill was paid on XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account. I have documentation from XXXX XXXX XXXX I paid bill and from Wells Fargo that payment was receivedXXXX XXXX XXXX XXXX Wells Fargo took XXXX from my XXXX XXXX XXXX checking account via a bank to bank electronic funds transfer.XXXXI had already paid bill so my Wells Fargo Visa account balance was $0.00XXXXXXXXI never authorized Wells Fargo to withdraw money from my checking account.XXXXWells Fargo never notified me of withdrawal.XXXXtI found out about withdrawal when XXXX XXXX XXXX notified me my checking account was overdrawn.XXXXI contacted Wells Fargo and opened a claim to get my money backXXXXI have contacted them repeatedly and Wells Fargo has refused to refund money stolen from my account. XXXXPlaintiff:XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Requested proof of validation and they responded with the following The Fair Credit Reporting Act does not require that a furnisher ( whether creditor or collection agency ) prove the consumer owes the debt. In the event of a dispute filed directly with the furnisher, the FCRA merely requires the furnisher to report the result of its investigation to the consumer. See 15 U.S. Code 1681s-2 ( a ) ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I applied for Unsecured Personal loan on XX/XX/XXXX. Received Email confirmation that loan was approved and {$750.00} is charged as service charge on {$8000.00} loan and {$7200.00} will be deposited to My Bank account. I logged into the Avant My Dashboard and conform approved loan under my Name with balance owing {$8000.00}. I never received the funds that supposed to be Deposited to my account. Contacted the company on XX/XX/XXXX and informed the issue of not receiving Funds. I was assured the issue is being Escalated and will be resolved. I made loan payment just to confirm that Loan is legit and Bank account on file is correct. The loan payment was credited to loan account with no issues confirming the company has loan under my name with correct Bank account. I have been calling and Emailing Avant Customer support and provide all Bank statement requested to prove no funds were received and all I get as respond is Escalated. not receiving this loan that was approved and supposed to be deposited in my account has caused me many issued including getting 3 days to Vacate my Apartment and multiple returned Auto pays affecting my credit. As of XX/XX/XXXX, this matter is not resolved. On XX/XX/XXXX I requested to cancel this loan and refund a loan payment I made. No action is taken by this Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I asked Amex to cancell my credit cards because I was unhappy with the changes made to their service. They cancelled my cards as I requested, but then blocked me from using my XXXX plus reward points associated with XXXX of my cards. I tried to contact them and they told me several times ebcause the cards were canelled I forfeited the points. This was over XXXX dollars in rewards points, and nobody told me I wouldn't be able to transfer them or use them. I tried to escalate, and spoke with a XXXX who's ID is XXXX. The conversation ID is XXXX. This is what they use to reference the conversations. Amex has stolen from me, and will not give me my points that I earned over the many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$410.00} XXXX updated XX/XX/XXXX A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. This happened again in XXXX when my storage unit was burglarized. I have been working endlessly to get this resolved, but I haven't had any success.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had unauthorized online charges on my account, totaling {$950.00}, including {$220.00} and {$720.00}. My card was not lost and I did not approve these transactions. Chime responded to my dispute, but I do not agree with their explanation. I submitted a police report and other proof, but Chime keeps denying my dispute without providing adequate authentication evidence. I am requesting proof of how these transactions were authorized, including IP address, device data, AVS/CVV results, and any 2FA logs, under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash App account was taken over after my credentials were entered on a phishing site impersonating Cash App. Cash App logged a New device login and I was logged out at XXXX XXXX. At XXXX XXXX an unauthorized P2P transfer of {$560.00} to XXXX XXXX was completed, and there was an attempted Add Money pull from my linked XXXX XXXX XXXX account ( failed ) at the same time. I reported the takeover immediately. Cash App denied my claim and appeal without addressing the new-device-login evidence or providing investigation details ( recipient freeze status, cash-out timing ). Im requesting reimbursement and a documented explanation of the investigation steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: LA

Complaint narrative:
I discovered in or about XX/XX/year> that several accounts and credit inquiries were reporting on my consumer credit reports that I did not open or authorize. The fraudulent accounts include : OppLoans ( reported as XXXX / OPP Loans ) These accounts show balances and/or payment histories that I do not recognize. I did not apply for or authorize any loans, financing agreements, or credit services with these companies. I did not sign any contracts, submit applications, or receive any funds or merchandise related to these accounts. On or about XX/XX/year>, after reviewing my credit reports, I contacted the companies directly to notify them that the accounts were fraudulent and the result of identity theft. I disputed the accounts and requested verification of the alleged debts, including copies of any signed applications, contracts, or proof of authorization. I also requested that the accounts be removed immediately. Despite being notified that these accounts are fraudulent, the companies have continued reporting the accounts to consumer reporting agencies. The accounts remain on my credit reports as of the date of this complaint. The continued reporting of these fraudulent accounts is negatively impacting my credit standing. In addition, unauthorized inquiries were placed on my credit report without my consent. I did not authorize any application for credit with the company listed above, and I did not provide permission for a hard credit pull. I have filed an Identity Theft Report with the Federal Trade Commission and formally disputed these accounts as identity theft. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation upon receiving notice of a dispute and are prohibited from reporting information they know or have reason to believe is inaccurate. My requested resolution is : Immediate deletion of the fraudulent accounts ; Removal of all unauthorized inquiries ; Confirmation that the accounts will no longer be reported ; Cessation of any collection activity related to these accounts. These accounts do not belong to me, and I am requesting full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
The issue is on-going. 1.Communicated by phone with rep at M & T, on XX/XX/XXXX for me to make payments. I made payments and they have not been applied, but they are no longer in my checking account- over {$1700.00} AND they put the loan into foreclosure pending status. Now being FORCED to send certified funds for any back payments but this payment is LESS than what I already paid- {$1700.00}. XXXX receiving my XXXX from me so I started sending with tracking to prove they were getting there- each time {$12.00} extra. They get lost at M & T. XXXX. TErms of my loan. Having previous partial payments going only to interest, despite my request to review the terms of my loan. XXXX. XXXX turned down for a loan workout despite my employment status, even after an appeal. XXXX. Having late fees continue to accrue in the hundreds of XXXX XXXX. Sending me a letter with a deadline that has already passed or is due to pass in XXXX hours with the letter itself dated XX/XX/XXXX. NO ability to send an email to anyone.

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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I took several " parent helper '' loans for my son to go to XXXX University ( through XXXX ). I did not make enough money to pay them back, so I was told to put the loans on forbearance many times. I am now almost XXXX years old, and the balance never goes down ; it actually goes up. Aidvantage is now the loan servicer. I have repeatedly requested a full accounting of my loan and asked why the balance goes up rather than down. I was told that they would send a full breakdown of the interest and principal, but they never sent it.

Company response to consumer: Closed with explanation