vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year>, I received a postcard dated XX/XX/year>, in the mail from U.S. Bank. This was to verify that I submitted an application to open an U.S. Bank Smartly Checking account # XXXX. I immediately contacted the Fraud Department at U.S. Bank at spoke to XXXX and informed her that I did not authorize this Smartly Checking account to be opened. She stated that she would note the account and send me an email verifying that it was fraud. On XX/XX/year>, I received another postcard in the mail from U.S. Bank dated XX/XX/year>, to verify that I wanted to open another U.S. Bank Smartly Checking Account # XXXX. I again contacted the Fraud Department at U.S. Bank and spoke with XXXX. She informed me that she would confirm that both accounts were noted as fraudulent and would she me an affidavit in the mail. She also stated that it looked like my social security number was used. On XX/XX/year>, I spoke with XXXX in the Fraud Department at U.S. Bank and she provided me with Case # XXXX. I was able to confirm with her that only two checking accounts were created. I again requested a written report, reflecting that I did not authorize either account to be opened. On XX/XX/year>, I also received an email asking me to add money to the new checking account. I have since taking the necessary steps to confirm that all credit bureaus were still frozen. I also notified IRS, Social Security, USPS, the local Police/Sheriff Department , IC3, OCC, FTC, XXXX and 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 explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NM

Complaint narrative:
My business account was closed by Mercury following an account review. Mercury informed me that once all funds had fully processed, the remaining balance of approximately {$6400.00} would be disbursed via check to the shipping address on file. The address on file is located in the United States. However, the check has never been received at that address. After learning that the remaining balance had supposedly been sent by check, I contacted Mercury multiple times seeking assistance and clarification regarding the status of the payment and how I could recover the funds if the check was not received. Mercury responded by stating that the remaining balance had been sent via check and that checks are the only available method of disbursement. However, I was not provided with any information that would allow me to verify the status of the payment or recover the funds, and I still have not received the remaining balance. In an effort to resolve the issue, I also sent Mercury a signed authorization letter requesting that the remaining balance be transferred directly to a bank account using the provided account and routing numbers. The authorization letter included all required banking information and my signature. I did not receive any response regarding this request, and the funds have still not been received. As of the date of this complaint, I have not received the remaining balance of approximately {$6400.00}. I am requesting assistance in determining the status of the payment and recovering the funds that remain owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: VA

Complaint narrative:
In XX/XX/year>, my family experienced a catastrophic hardship when our home was destroyed in a fire later determined to be arson. This event caused immediate displacement and significantly disrupted our living conditions, communication, and access to mail. I was displaced from my home for several months and, as a result, was not able to reliably receive or retrieve mail during that time. This disruption significantly impacted my ability to receive important account correspondence and respond in a timely manner. During this time, my husband sustained severe XXXX injuries and required hospitalization at the XXXX XXXX XXXX in Washington, D.C. During this period, I made efforts to contact the loan servicer regarding my account and circumstances. However, late payments were subsequently reported to the credit bureaus. I later submitted a formal request for review and explanation of the reported late payments, including consideration of my documented hardship. The servicer responded by stating that the reporting was accurate, but did not meaningfully address the documented hardship, disruption in communication, or my efforts to resolve the situation. As a result, the late payments remain on my credit report despite the extraordinary circumstances. The account is now current, and I am actively continuing my education. I am requesting that the servicer conduct a proper review of this matter and reconsider the reporting of late payments during this hardship period, including a goodwill adjustment or other appropriate accommodation. I have supporting documentation related to the fire, displacement, and hospitalization, which I am prepared to provide. I respectfully request a thorough review and a written response addressing these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: PA

Complaint narrative:
XXXX is being sued so they are transferring consumers loan to other companies without letting the consumers know their account are being transferred to CRI XXXX. My payments was deferred until XX/XX/year>. The company inwhich i have no obligation to repay anything to CRI due to i have no agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express XXXX XXXX and pay my outstanding balance each month. On XX/XX/XXXX I paid {$10000.00} from my checking account to Amex. However, Amex deliberately deposited the money against my account on XX/XX/XXXX, which is a day after the cut off period but still within the statement date. Then they used this to charge me {$410.00} in interest. I called America Express to ask why they didn't process this on time and if they could reverse the charge. They refused saying the system doesn't allow them to reverse interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I requested my {$200.00} secured credit card deposit refund from Capital One after my account was closed and paid off. Capital One stated that a refund check was mailed on XX/XX/year>, and a second replacement check was mailed on XX/XX/year>, but I never received either check. I contacted Capital One multiple times and requested stop payments and reissued checks. On XX/XX/year>, I opened another stop payment/reissue request under case number XXXX. I am concerned because it has been about 3 months and I still have not received my {$200.00} refund. I would like assistance resolving the repeated failed refund check deliveries and obtaining my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I disputes this several times in the past. Last year XXXX the debt was removed for the first time. This year around XXXX of XXXX the debt reappeared on my credit report. XX/XX/XXXX i disputed again. Still my request was denied. I have never received any validation in writing or otherwise. Im asking for removal because I know it's not mine. Also, I want documentation of why they believe it is. Proof. This is a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: IL

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 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that the CFPB investigate this matter and require the company to : 1. Delete the collection account from all consumer reporting agencies due to failure to adequately verify the disputed information 2. Cease reporting any inaccurate, incomplete, or unverifiable information 3. Provide complete documentation supporting the alleged debt if the company intends to continue collection efforts 4. Ensure compliance with the FCRA, FDCPA, and applicable Texas consumer protection laws I request a formal review of this matter and all reporting associated with 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 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
II am disputing an account that appears on my credit report because it was opened without my knowledge, authorization, or consent. I have never lived at the service address associated with this account and did not establish service with the original creditor, XXXX XXXX XXXX XXXX. I notified the debt collector that this account is the result of identity theft or fraud. Despite my dispute, the account was reported and/or verified as accurate with the credit reporting agencies. When I requested supporting documentation proving I opened or authorized the account, the debt collector was unable to provide documentation bearing my signature or other evidence showing I am responsible for the debt. I am requesting that the company : Conduct a reasonable investigation of my dispute. Provide all documentation they relied upon to verify the account. Cease reporting inaccurate information. Remove the account from my credit reports if they can not prove I am responsible for the debt. Correct any inaccurate information furnished to the credit reporting agencies. I believe the reporting and verification of this account may violate my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a call concerning an alleged debt I owe this debt collection agency, from a credit card I don't recall having. They told me 2 conflicting things : first, that they are collecting an " independent debt '' on their own behalf, and then when pressed on for whom and concerning any XXXX IRS forms filed or verification and validation, it turned into " we are a part of XXXX bank ''. I previously received no XXXX, no mailings, and no prior phone calls until this interaction, whereas they threatened to immediately place this non-debt on my XXXX and then " take me to court '' for it. As of yet I have received no validation/verification of either this alleged debt, nor who actually " owns '' said debt or who this agency supposedly is. They have placed 3 individual negative entries on my XXXX : with XXXX stating : XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) ' and XXXX claiming its : 'XXXX XXXX '. Whomever this company actually is, they are being wholly disingenuous about who/what they are, and therefore precluding me from addressing the situation properly and denying me my legal rights under US Federal statutes. This may very well stem from a fraudulent transaction and/or ID theft situation. The XXXX entries do not specify enough pertinent information under the FCRA, etc., for me as a consumer to legitimately address this so-called debt, and leaves me no option, if not voluntarily removed, but to commence civil litigation in the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Payfare International Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Thieves are using active digital wallet tokens to steal funds. XXXX XXXX is refusing to disable 'Balance Protection ' ( an overdraft/credit feature ), thereby facilitating ongoing unauthorized lending and fraudulent charges in my name despite explicit notification. I request an immediate opt-out and account freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Mercury Financial Intermediate LLC
State: CO

Complaint narrative:
I made a payment to mercury credit card on XXXX. It was withdrawn from XXXX bank on XXXX. It's taking too long to post and I'm afraid I will be charged a late fee. As on XXXX the payment has not posted even though the statement says that I paid that into my account, the account doesn't balance as of XXXX I've called them about this a few times and they won't update my statement. I really need to money in there because I can't use my debit card for purchases. I opted out of using my debit card and it had fradulent charges. I ordered a new debit card, and then new fraudelent charges from a different company ( XXXX ). I have not activated my new XXXX card because I am afraid they don't offer a secure enough debit card. So I'm in a bind and have to buy groceries. I am XXXX and money doens n't come easily to me. This is so unfair. Can you act on this? Even if the money goes into my account, I'm feeling desperate at this point. They shouldn't be able to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am formally stating that I did not authorize XXXX XXXX XXXX to withdraw {$1500.00} from my Chime checking account on XX/XX/year>. At no point did I give written, verbal, or electronic permission for this transaction. The only payment XXXX XXXX XXXX was permitted to take was {$250.00}, and even that amount was exceed without my consent when they withdrew {$290.00} instead. XXXX XXXX XXXX admitted to taking this money without my consent and the {$1500.00} withdrawal is an unauthorized transaction under Regulation E ( 12 CFR 1005 ), and I have been disputing this matter for an entire year. Despite my repeated attempts to resolve this issue, Chime has refused to refund the unauthorized withdrawal, failed to provide any fraud alert or notification at the time the funds were taken, and failed to protect me as their customer. Chime has a documented pattern of declining my legitimate in-person transactions while simultaneously allowing a high dollar unauthorized withdrawal to process without any verification, alert, or security check. This inconsistently demonstrates a failure in their fraudmonitoring obligations and a violation of their duty to investigate unauthorized electronic fund transfers in good faith. I am requesting a full investigation into : Why XXXX XXXX XXXX was able to withdraw {$1500.00} without my authorization Why Chime failed to notify me or block the transaction despite their history of declining my legitimate purchases. Why my dispute has been repeatedly denied despite clear evidence that I did not authorize this withdrawal. Why Chime has not refunded the unauthorized transaction as required under federal consumer protection laws. I am seeking the immediate return of the {$1500.00} to my checking account and a written explanation addressing Chime 's failure to follow proper fraud-prevention and dispute-resolution procedures. XXXX XXXX XXXX did not have permission to take {$3000.00} from me. I gave them permission to take {$1500.00} from XXXX XXXX and not the permission from Chime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My XXXX account was canceled on XX/XX/XXXX. XXXX continued to bill my credit card for months after cancellation. On XX/XX/XXXX, XXXX issued a written credit of {$89.00} and confirmed my modem return the same day. however it also said it will reflect to my account in 2 billing cycles. account was already canceled and no billing cycles after wards. Despite this, I later received a delinquent bill for {$37.00}, due XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and was told the balance would be corrected to {$0.00}, with a confirmation number provided. ( XXXX ) XXXX failed to correct the account and instead sent the matter to CCS, who is now attempting to collect a debt that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Someone opened a checking account for Wells Fargo in my name and then closed it I have a number given to me for the report 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 explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital LLC has started reporting a debt on my account after a had XXXX removed because the account was opened fraudulent so they purchased the debt and added it to my credit report knowing this was a fraudulent account opened without my consent or knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase changed my mobile phone number on my account, which glitched their system and completely broke my online profile. It now says 'username not found ' when I try to log in. I have called Chase customer service for 3 days straight and have been lied to 4 different times about fake waiting periods. Phone agents now refuse to escalate the issue to technical support, claiming there is no one available to fix it. I do not own a vehicle and there are no physical branches near me, meaning I am completely stranded. Chase is blocking me from accessing my funds and refusing to provide technical assistance to fix their system error.

Company response to consumer: Closed with explanation