vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
XX/XX/2019, {$5000.00}, Transfer from my US bank. I attached receipt. I filed police report and bank never refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
b"On XXXX XXXX XXXX, I received a letter in the mail from XXXX XXXX XXXX XXXX, reference # XXXX saying that I owe $XXXX with PayPal account #XXXX XXXX XXXX XXXX XXXX. I contacted PayPal that same day via chat XXXX let them know that is not my account XXXX someone opened it in my name. They said they will look into this, but when I followed up on XXXX XXXX XXXX, PayPal chat said my fraud claim was denied, so this person on PayPal chat said she will file an appeal for me. \n\nThe letter from XXXX XXXX XXXX XXXX says XXXX dispute this debt if I write XXXX them by XXXX XXXX XXXX, they must stop collection on any amount I dispute. I emailed them XXXX times XXXX the email provided in the letter, but have not received a confirmation reply from them that they've received my email, therefore I have no proof they received my email."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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:
The collection account ( XXXX ) being reported on my credit file are inaccurate, incomplete, XXXX unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited XXXX XXXX XXXX. XXXX ( b ) ( failure XXXX assure maximum possible accuracy ), XXXX ( failure XXXX conduct a reasonable reinvestigation ), XXXX XXXX ( furnishers duty XXXX provide accurate XXXX complete information ). The furnisher has failed XXXX provide documented proof of ownership, a full chain of assignment, XXXX records validating the debt pursuant XXXX XXXX XXXX. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is XXXX XXXX, containing inconsistencies in dates, balances, XXXX account status across all XXXX major credit reporting agencies. This is an ongoing violation that continues XXXX cause measurable harm XXXX my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc
State: MS

Complaint narrative:
I am filing this complaint against [ Name of XXXX XXXXXXXX XXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ) by collecting a debt that was legally extinguished under Mississippi law. Key Facts : Original Creditor : XXXX XXXX Date of Last Payment/Activity : XX/XX/year> Date of Collection/Payment : XX/XX/year> Amount Paid : {$2500.00} The Violation : I am a resident of Mississippi. Under Mississippi Code 15-1-3, the completion of the 3-year statute of limitations " defeats and extinguishes the right as well as the remedy. '' This means the debt did not merely become " time-barred '' for a lawsuit ; it was legally wiped out in its entirety. The collection agency contacted me on [ Date ] regarding this debt, which was already more than 3 years past the date of last activity. By attempting to collect and successfully pressuring me into paying a debt that was already extinguished, the agency made a " false, deceptive, or misleading representation '' regarding the " legal status '' of the debt in violation of 15 U.S.C. 1692e. Furthermore, the agency failed to disclose that the debt was time-barred and that I could not be sued for it, as required by Regulation F ( 12 C.F.R. 1006.26 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized XXXX collect it. Despite the absence of proper validation, this account continues XXXX be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate XXXX verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Incorrect reporting Nelnet failed XXXX conduct a reasonable investigation under FCRA because they did not address whether the reporting is misleading, they only stated that the loans are separate. Nelnets response fails XXXX address the XXXX issue raised in my complaint. While they state that each loan is a separate obligation, they did not investigate or respond XXXX whether reporting a XXXX period of missed payments across XXXX tradelines simultaneously creates a materially misleading representation of my credit behavior. Under the Fair Credit Reporting Act, information must not only be technically accurate but also not misleading. Nelnets response does not demonstrate that a reasonable investigation was conducted into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am formally disputing the validity of the above-referenced American Express account XXXX demanding immediate investigation XXXX correction based on identity theft XXXX material misidentification at the time of application. This account was opened using my name ; however, the XXXX XXXX number used on the original application is not mine. I did not apply for, authorize, or consent XXXX this account in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing in desperation for assistance regarding ongoing harassment and financial distress caused by XXXX XXXX Card. I need urgent help to clear my name and credit report from fraudulent activity that is not my responsibility. While I did apply for a credit card and pay the program fee, shortly after, I was required to travel out of town. During my absence, my cousin, who has a history of defrauding me, gained unauthorized access to my phone, email, mailbox, and personal accounts. She stole my card, activated it, and made numerous charges. I want to be unequivocally clear : none of these charges are mine, nor did I receive any benefit from them. Despite my repeated attempts to explain this situation to XXXX XXXX Card and multiple credit bureaus, I am being held liable. They cite the paid program fee and matching address as proof of my responsibility, failing to acknowledge the identity theft. My cousin deliberately used my address and made it appear as though I made these charges to conceal her own actions, as she is now in a long-term treatment facility. I am not financially responsible for her actions and beg for your intervention to remove this fraudulent activity from my credit file and absolve me of this debt. Thank you for your time and consideration.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Cash App for {$4.00} from XXXX XXXX XXXX my dispute kept getting denied XXXX I didnt understand why because XXXX XXXX XXXX really scammed me XXXX they wouldnt refund my money. Also that company blocked me from their messenger so I couldnt contact him anymore. I sent all the evidence XXXX Cash app XXXX support my dispute XXXX on XX/XX/XXXX, I get an email saying that my account has been closed because I failed XXXX verify my identity because my dispute was flagged as fraudulent. I looked through I looked through my email XXXX I looked through any messages from the Cash app app, XXXX I found no messages saying that I had XXXX verify my identity or that my dispute was flagged as fraudulent. I tried XXXX appeal this decision XXXX Cash app informed me that if I file an appeal is just going XXXX be closed. I feel that I got an unfair XXXX appeal of my account being closed, Cash app did not did a proper job of investigating my dispute with XXXX XXXX XXXX also, they did not properly informed me of any more information that they needed for me XXXX verify my identity which I thought that my identity was already verified on the account because XXXX able XXXX buy sell XXXX send XXXX XXXX borrow {$50.00} from Cash app. I really use this account from Cash app a lot XXXX I think that it was unfairly closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing this complaint regarding a credit card account being reported by LVNV Funding LLC XXXX XXXX XXXX XXXX that is the result of identity theft. I previously disputed this account and requested validation. The company responded by providing account statements XXXX transaction history, but this does not prove that I opened, authorized, or used this account. The documents show that the account was opened on or about XX/XX/year>, XXXX was associated with an address ( XXXX XXXX XXXX XXXX XXXX, XXXX, LA ) where I did not reside XXXX did not receive mail. This indicates the account was opened without my knowledge or authorization. While the company provided a breakdown of charges XXXX payments, they failed XXXX provide any signed application, identity verification, or documentation proving that I authorized or benefited from this account. I have never had a credit card with XXXX XXXX XXXX and did not open this account. This is not a billing dispute this is identity theft. Despite being notified, the company continues to report this account on my credit report, which is inaccurate XXXX harmful. I am requesting that this account be immediately removed from my credit reports XXXX that this matter be properly investigated as identity theft under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues XXXX be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate XXXX verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was incarcerated on XX/XX/XXXX XXXX was realeased on XX/XX/XXXX during that time there were XXXX XXXX XXXX access fraudulenty XXXX then disputed the. Company is refusing XXXX provide me with the services I need on XX/XX/XXXX there was a transaction occurring in the amount of XXXX. On XXXX XX/XX/XXXX the transaction was disputed on XX/XX/XXXX the funds were credited back XXXX the account. The company is refusing XXXX reopen the dispute XXXX credit the funds back XXXX my account At the same time other transactions occured adding up too over XXXX these fraudulent disputes were approved XXXX posted back XXXX the account XXXX respent the bank is refusing XXXX acknowledge XXXX DEPOSITS SECURITY XXXX UNAUTHORIZED TRANSACTIONS I NEED HELP PLEASE I have a letter of incarceration proving I was in jail XXXX I will have a police report soon please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AR

Complaint narrative:
On the XXXX of XXXX I lost my phone XXXX card my purse was stolen but I cancelled my phone so I'm having XXXX wait on my phone XXXX in the process of waiting for a phone I'm using my old back up phone with no service unless I'm around WiFi so I check my account on or around the XXXX XXXX of the month XXXX notice some people or something, or someone by the name of XXXX XXXX something like that has hit my card up for XXXX dollars XXXX again for XXXX dollars XXXX than again for XXXX dollars XXXX I don't even know these people or person I didn't even have a card at the time of transaction so I all in the phone trying XXXX figure out who they are so I had no luck with than I immediately informed Cash app XXXX told them what happened XXXX disputed all XXXX transactions XXXX Cash app denied my disputes and said it was my fault people hitting my account like that XXXX I didn't even have a way XXXX use my card or my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: ND

Complaint narrative:
I notice my XXXX XXXX droped XXXX point the reason XXXX XXXX placed a collection of XXXX debt using Aargon Collection Agency on my credit report I filed a police report XXXX a XXXX that it is a fraudulent utility 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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
LABEL : TransUnion XXXX XXXX Reinvestigate / Duplicate Reporting / Unauthorized Inquiries/ Inaccurate Personal CFPB XXXX COMPLAINT TEXT : I am filing this complaint against TransUnion for failure XXXX conduct a reasonable reinvestigation of disputed information on my TransUnion credit file. I previously disputed inaccurate, duplicate, XXXX unauthorized information, including tradelines, inquiries, XXXX personal identifying information, XXXX did not receive a meaningful merits response. Disputed items include : - XXXX XXXX Account XXXX - TRUEACCORD Account XXXX - XXXX XXXX XXXX Account XXXX - All unauthorized inquiries I did not approve - Inaccurate personal information, including former names XXXX addresses that do not belong XXXX me My dispute explained that XXXX was being reported multiple times, including as both a charge-off XXXX a collection, XXXX that other items were inaccurate, unverifiable, or unauthorized. Instead of a substantive TransUnion response, the complaint path produced a non-responsive result that did not address the actual TransUnion reporting issues. I request : ( XXXX ) a reasonable reinvestigation of every disputed item, ( XXXX ) deletion of all information that can not be verified with competent documentary support, ( XXXX ) removal of duplicate reporting, ( XXXX ) deletion of unauthorized inquiries, XXXX ( XXXX ) correction or deletion of inaccurate personal identifying information. If TransUnion contends an item is accurate, it must provide the method of verification, the identity of the verifying party, XXXX the records reviewed.

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of an elaborate scheme in which hackers compromised my devices to alter my financials balances to make me look irresponsible. I have been blocked from getting forensics on my devices. I have proof of the digital sabotage. Chase does not have a right to foreclose and get my over {$1.00} XXXX in equity as a result of my privacy being invade on every level imagative. Also, in my last complaint, I mentioned that XXXX and the bankruptcy courts did not properly serve me for the XX/XX/year> hearing that lifted my protection. Like my financials, my due process to defend myself was compromised. Chase mentioned the XXXX filing, but the hearing was in XXXX and I had just become pro-se by force at the time.That lack of due process allowed Chase to pursue foreclosure. More importantly, which further proves my claims was Chase 's response. Chase reiterated the occurrences, but neglected to mention I was not served by them for their last minute XX/XX/year> submission that supported the trustee 's letter. I never received the letter Chase wrote. All this trickery was done while I was force into being pro-se. If I should lose my home to this highly level fraud, I will commit suicide to get an investigation. I will leave a suicide letter detailing all the illegal trickery. I stand on principle. This is not about my ability to pay. One can't pay if they are compromised by the lender. The response should include details of why I was not served the letter supporting the trustee 's letter to lift my protection. And why the last minute filing. Anything outside of that is not warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Breeze Labs Inc.
State: MA

Complaint narrative:
I am filing a complaint against Breeze regarding ongoing issues accessing my funds due to repeated verification failures. For an extended period of time, I have attempted multiple times to complete their identity and address verification process. I have submitted valid documents that meet their stated requirements, including proof of address within the last XXXX days. However, their system consistently rejects my documents without providing any clear explanation. As a result, I am unable to reliably access or withdraw approximately {$1300.00} from my account. In some cases, the system temporarily allows withdrawals, but then blocks access again with the same repeated verification errors. I have contacted Breeze support several times to resolve this issue. Despite my efforts, I have only received generic or automated responses instructing me to repeat the same process, which continues to fail. This situation has caused significant frustration, loss of time, and financial concern. I believe this reflects a failure in their verification system and improper restriction of access to my funds. I am requesting that this issue be escalated immediately and that I be provided with a working solution or manual review so I can regain full access to my funds. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received my card on XX/XX/year>. Upon arrival I promptly activated card XXXX then made payment in full. The company never sent me a bill or my card for months and claimed that it kept getting returned XXXX sender. As a result of me never getting my card ; I was unable XXXX create an account online XXXX view and manage my account. I've called several times XXXX remedy this. XXXX XXXX XXXX ago ; I called XXXX was lied XXXX XXXX told my payment due was over XXXX which was incorrect. The company demanded that I pay money before they could issue me my card. They dinged my credit report for a XXXX day late XXXX I was told this would be removed. I stopped payment on the initial payment after they told me my card was coming. XXXX be lied XXXX about amount due, held XXXX XXXX pay an inaccurate amount before they could send me my card XXXX then XXXX ding my credit report is a total scam.

Company response to consumer: Closed with monetary relief