vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Notice of Reinsertion Violation RENT RECOVERY with ACCOUNT # : XXXX This account is on my XXXX report as of XX/XX/year> Collection account from RENT RECOVERY with account # XXXX and a balance of {$5900.00}. I previously disputed this account stating ; I never had a contract with this debt collector for any debt. If you check your records, you will find that this item was previously disputed and successfully deleted from my XXXX report. ( It was also deleted from XXXX and XXXX. ) I am contacting you regarding the account listed below, which was previously deleted from my credit report a year ago but has since reappeared and reinserted without proper notice or certification of accuracy. Creditor : RENT RECOVERY Account Number : XXXX Balance : {$5900.00} Under 15 U.S.C. 1681i ( b ) ( 2 ), once a disputed item has been deleted from a consumers credit file, it may not be reinserted unless the furnisher of the information certifies that the information is complete and accurate. Furthermore, the credit bureau must notify the consumer in writing within 5 business days of any reinsertion. I did not receive such notice or certification, which constitutes a violation of federal law. Accordingly, I demand the immediate deletion of this item from my credit file and written confirmation of compliance. If you fail to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and my State Attorney Generals office for enforcement and statutory damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: OR

Complaint narrative:
Jefferson capital systems LLC contacted my husband, disclosed debt information to including my name and amount owed without my consent.

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 using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
COMPLAINT AGAINST WELLS FARGO BANK FOR REGULATION XXXX VIOLATION AND UNRESOLVED {$25000.00} IDENTITY THEFT I am submitting a formal federal complaint against Wells Fargo Bank for a severe violation of Regulation XXXX and a total failure to investigate a massive nearly {$25000.00} identity theft case that occurred on my debit account in XX/XX/XXXX. In XX/XX/XXXX, my personal identifiers and mobile device were compromised in a high-dollar identity theft exploit. This resulted in an unauthorized device-takeover where criminals drained a total of nearly {$25000.00} from my Wells Fargo account through rapid-fire transactions to TikTok.com. I immediately reported this severe fraud and identity theft to Wells Fargo. Wells Fargo summarily denied my fraud claims, closed out my files, and refused to return my stolen funds. Furthermore, in direct violation of Regulation XXXX guidelines, Wells Fargo completely failed to provide me with a formal written denial letter explaining their investigation results or the evidence they relied upon. I only discovered the permanent denial when my claims were closed out without resolution. I am an official, documented identity theft victim. I am uploading my formal Police Report, my FTC Identity Theft Affidavit, and critical new evidence : a confirmation letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX ( EWS ) confirming that the XXXX banking XXXX has officially applied an Identity Theft Block to protect my consumer data from this exact fraud profile. Furthermore, XXXX Bank reviewed this identical fraud profile and successfully validated it, returning {$9000.00} to me. Wells Fargo can not simply ignore a {$25000.00} identity theft and refuse to issue standard legal correspondence. I request that the CFPB compel Wells Fargo 's XXXX XXXX and XXXX XXXX team to perform a senior-level review of this XX/XX/XXXX fraud, reverse the unauthorized nearly {$25000.00} TikTok transactions, and comply with federal electronic fund transfer laws. All the money form my husband inheritance was all gone.

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 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint regarding repeated unauthorized charges to my Chime account from a merchant that I previously asked Chime to stop/block. In XXXX, I requested that Chime stop payments to this merchant. Despite that request, the merchant continued charging my account. Chime later informed me that XXXX XXXX XXXXXXXX ( XXXX ) had not been turned off, which allowed the merchant to continue charging me even after I tried to stop/block the payments. The merchant has appeared under different names, including Cashback and a previous name beginning with XXXX. I believe this is important because the merchant name changes made the charges harder to identify and stop, and the charges continued after I had already requested that Chime block/stop the merchant. I have disputed these charges with Chime and provided documentation. I also filed a police report with the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. The report is currently pending approval, and the temporary tracking number is XXXX. My concerns are : * Chime did not properly stop/block the merchant after my request. * Chime admitted that XXXX had not been turned off, which allowed charges to continue. * The merchant continued charging under different names. * My disputes have not been fully or fairly resolved despite the documentation. * I have been financially harmed by charges that should have been prevented or refunded. I am requesting that Chime refund the unauthorized charges connected to this merchant, reopen and fully review any denied disputes, confirm in writing that XXXX has been turned off, confirm that this merchant is blocked from charging my account going forward, and provide a written explanation of why the prior stop-payment/block request did not prevent the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Caine & Weiner because they have failed to respond to my written dispute and debt validation request regarding an account that I do not recognize and do not believe belongs to me. On XX/XX/year>, I sent Caine & Weiner a formal dispute letter requesting validation of the alleged debt. In my letter, I disputed the account in its entirety and requested documentation proving that I am legally responsible for the debt, including proof of their authority to collect, a copy of any signed agreement bearing my signature, a complete account history, and supporting documentation showing how the balance was calculated. To date, I have not received any response, validation, or supporting evidence from Caine & Weiner I am not aware of this account and have no knowledge of ever entering into any agreement that would make me responsible for this alleged debt. Additionally, I have never received any prior correspondence, collection notices, statements, contracts, or other documentation from Caine & Weiner concerning this account. Their failure to provide any documentation or communication has left me unable to determine whether this debt is legitimate or whether it may be the result of inaccurate reporting or identity theft. As a consumer, I believe I have the right to receive proper validation of an alleged debt before collection efforts continue or information is reported to consumer reporting agencies. Despite my good-faith attempt to resolve this matter and verify the debt, Caine & Weiner has failed to respond to my dispute and has not provided any evidence supporting their claim. This situation has caused me significant stress, frustration, and anxiety. The continued reporting or collection of an account that has not been properly validated is damaging my creditworthiness, negatively affecting my financial standing, and creating unnecessary hardship. I should not be forced to suffer the consequences of an account that has not been verified and that I do not recognize. I respectfully request that Caine & Weiner either provide complete validation of the alleged debt, including all documentation proving that I am legally responsible for the account, or immediately cease collection efforts and remove any related reporting from all consumer reporting agencies if they can not substantiate their claim. I also request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Beginning in late XXXX, I began reporting suspicious transactions, unauthorized account activity, repeated withdrawals, and overlapping charges involving multiple accounts and institutions. I later discovered additional identity theft indicators connected to the XXXX data breach and formally submitted an identity theft affidavit to Regions Bank on XX/XX/XXXX at the XXXX XXXX branch. The core issue is that multiple institutions acknowledged fraud or suspicious activity, while Regions Bank continues denying that identity theft occurred. Examples include : XXXX XXXX completed an identity fraud investigation and formally determined an account was fraudulent, stating I was not responsible and notifying credit bureaus for removal. XXXX acknowledged fraud concerns, closed accounts, flagged my information, and initiated fraud procedures. I experienced unauthorized or disputed activity connected to XXXX, XXXX, XXXX, XXXX-related transactions/accounts, XXXX XXXX, and XXXX. Police reports and affidavits were filed. Regions accepted disputes and affidavits, opened replacement accounts, and closed prior accounts, yet still classified many disputed transactions as authorized. I have records showing : repeated disputed withdrawals, overlapping account activity, replacement account openings, continued overdrafts tied to disputed or allegedly closed accounts, merchant/platform charges I deny authorizing, and significant financial losses totaling approximately {$220000.00}. Regions has repeatedly stated that merchants verified transactions, but they have not produced the underlying authentication, authorization, IP/device verification, or tracing records despite extensive disputes and documentation submissions. I am attempting to determine : where disputed funds ultimately settled, whether refunds/chargebacks/credits were redirected or absorbed, whether account takeover or authentication failures occurred, and whether financial institutions failed to properly protect disputed funds after repeated notice of suspected fraud and identity theft. I have supporting documentation including : bank letters, fraud investigation determinations, account closure/opening records, police reports, affidavits, statements, emails, dispute records, and merchant/platform correspondence. Thank you for your time and review.

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 2026-05-25 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: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am submitting this complaint regarding a fraudulent Home Depot credit card account opened in my husbands name without authorization. We first became aware of this account on XX/XX/year>, when we received a billing statement showing charges totaling approximately {$5700.00} for a XXXX XXXX credit account that we did not open or recognize. We immediately contacted XXXX XXXX XXXX XXXX day to report the account as fraudulent and to dispute all charges. During that initial call on XX/XX/year>, the representative advised that the account would be closed and that we would not be liable for the charges. The account reflects purchases described as electrical and lighting millwork fees and includes a XXXX XXXX store location in XXXX, Arizona. We did not open this account, authorize these transactions, or receive any benefit from the purchases. Importantly, we already have an existing legitimate Home Depot credit card account and had no reason or need to open a second account. We acted immediately upon discovery of the fraud : Contacted the issuer on XX/XX/year> to report the fraudulent account Filed an IdentityTheft.gov report Filed a police report Disputed the account with all three credit bureaus Placed fraud alerts and froze our credit reports Despite these actions, on XX/XX/year> we received correspondence stating that XXXX XXXX determined my husband was responsible for the account and charges. However, we also received a separate letter dated the same day stating that the investigation remained ongoing. These contradictory communications raise serious concerns regarding the consistency and validity of the investigation and determination. Additionally, all three credit bureaus have verified the account as accurate despite our identity theft reports and disputes. We respectfully request : A full reinvestigation of this fraudulent account Removal of all liability associated with the account and charges XXXX correction and removal of the fraudulent tradeline from all credit reporting agencies XXXX of any collection activity related to this account Production of all application and verification records relied upon, including application method, identifying information used, contact details, and any supporting authentication data This account was not opened or authorized by my husband. We reported the issue immediately upon discovery and have fully complied with all identity theft reporting procedures. We are requesting CFPB assistance to ensure this matter is properly and fairly resolved.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am requesting validation of the alleged debt referenced above pursuant to the Fair Debt Practices Collection Act ( FDPCA ) XXXX do not have knowledge of this account, and I dispute the validity and accuracy of the amount being reported or collected.The balance does not appear to be correct, and I request that you provide full validation of this debt.Please provide the original creditors name and account information, a complete payment history and amount claimed, copies of any signed agreements or documents bearing my signature, proof that your company has the legal authority to collect this debt, and the date that this date was allegedly incurred. I believe that this account may have been sold, or transferred also, and Im requesting verification of the current ownership and ownership of the debt was sold to another company. Until proper validation is provided, I request that all collection activity cease and that this account not be reported inaccurately to any credit agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This is a severe, ongoing case of child identity theft, fraud, and unlawful reinsertion under the FCRA. This fraudulent XXXX account was opened in XXXX. At the time of this alleged account creation, I was a minor under the age of XXXX. Under well-established law, minors lack the legal capacity to enter into binding financial contracts, making this tradeline completely invalid from its inception. The account was closed in XXXX, and I have spent the last two years actively disputing this with the three major credit bureaus. I have repeatedly provided my official FTC Identity Theft Report ( IdentityTheft.gov ). While the credit bureaus have deleted the account in the past, XXXX continues to illegally re-verify and re-report this fraudulent data, causing it to reappear on my file in an endless loop. The credit bureaus have failed to maintain a permanent identity theft block under Section 605B, and have failed to provide me with the mandatory 5-day written notice of reinsertion required by law. I demand that XXXX permanently cease reporting this invalid data and that the credit bureaus immediately place a permanent identity theft block on this account. My official FTC Identity Theft Report was successfully filed under Reference Number : 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