vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX : JPM told the SEC and shareholders that their controls were " effective '' for the XXXX fiscal year. 

In XX/XX/XXXX : JPM gave me a written admission that their controls were a " total failure '' ( the " Zero-Verification '' protocol ) during that exact same period.

While JPM admitted this failure to me privately, its executive management certified in their XXXX Form XXXX that their internal controls over financial reporting ( ICFR ) were " effective. '' This discrepancy proves that JPMs internal records regarding account authorization are fundamentally unreliable, representing a systemic risk to all JPM consumers. 

" Management ... conducted an evaluation of the effectiveness of the Firms internal control over financial reporting as of XX/XX/XXXX, based upon the Internal Control Integrated Framework ( 2013 ) issued by the Committee of Sponsoring Organizations of the Treadway Commission ( 'COSO ' ). Based upon the assessment performed, management concluded that as of XX/XX/XXXX, the Firms internal control over financial reporting was effective. '' Section 302 Certifications ( signed by XXXX XXXX and the CFO ) " The [ CEO/CFO ] is responsible for establishing and maintaining disclosure controls and procedures ... and [ has ] designed such internal control over financial reporting ... to provide reasonable assurance regarding the reliability of financial reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Subject : Notice of Dispute and Demand for XXXX XXXX XXXX XXXX. XXXX ( b ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information your company is furnishing to consumer reporting agencies regarding the account referenced below. 

Account XXXX : XXXX XXXX Account XXXX : XXXX I have disputed this account with the consumer reporting agencies, and you have now been notified of this dispute. As a result, you are legally obligated under XXXX XXXX. XXXX ( b ) to conduct a reasonable investigation into the disputed information. 

Specifically, federal law requires that you : Conduct a reasonable investigation of the disputed information Review all relevant information provided by the consumer reporting agency Report the results of your investigation to the consumer reporting agency Correct, delete, or permanently block the reporting of any information found to be inaccurate, incomplete, or unverifiable At this time, the information you are reporting is inaccurate and/or unverifiable, and its continued reporting is causing ongoing harm to my credit profile. 
If you can not produce competent evidence demonstrating the accuracy and completeness of this account including but not limited to original documentation and proof of liability you are required by law to promptly request deletion or correction of this account from all consumer reporting agencies to which you report. 
Please be advised that failure to comply with your obligations under the Fair Credit Reporting Act may result in further action to protect my rights under federal law. 
I expect your written confirmation of the results of your investigation within the time frame required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the evening of XX/XX/XXXX, my cell phone was stolen. The next day, several unauthorized transactions were made in both my Wells Fargo account, as well as a XXXX XXXX account. The individual was able to access my Wells Fargo account, presumably through the app on the phone or via XXXX XXXX, and took approximately {$9500.00} via several XXXX XXXX transactions directly out of my Checking account. The charges were made on XX/XX/XXXX or XX/XX/XXXX, and I filed the fraud report with Wells Fargo on XX/XX/XXXX immediately upon noticing the transactions. I have also filed a police report with the XXXXXXXX XXXX XXXXXXXX report # XXXX. Wells Fargo denied my claim as they state there was no evidence of fraud and the transactions were authorized by me- which of course, they were not, given that I did not have possession of my phone, and did not regain control of the phone number for several days as I had to order a new one. Wells Fargo refused to reopen the claim. Between the police report, immediate report of fraud as soon as the transactions were identified, and clearly unusual transaction activity, I am unclear as to how WF would believe this is not clear fraud. My claim numbers with Wells Fargo are XXXX, for the checking fraud, and XXXX, for my savings account - a nominal amount of money was also transferred out of the savings account, but I am primarily concerned with the checking account theft.

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 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: AL

Complaint narrative:
XX/XX/year> an online payment was made by checking account for {$700.00}. The amount was attempted on the wrong checking account so XX/XX/year>. Another payment for the same amount was scheduled. The deduction taken was {$640.00}. I spoke with a representative she explained the payment showed it was short {$27.00} and change so I paid her by the same checking account and confirmed it would be applied with that XXXX. That was in unposted fund. She assured me payment would post it was not. I called again another representative explained the XXXX plus change had had been posted incorrectly as a late fee and she entered a ticket which was supposed to be for the unapplied payment along with the money that was posted in error for the fee. She only sent a ticket for the {$27.00} and change to be moved. A representative called me regarding my payments we went through this whole spill. She said she saw the ticket had already been done, but she didnt look to see that it was not for the entire two amounts. She told me the payment would be posted by the ninth. It was not. I called again another representative verified all this information and said the {$27.00} went to a late fee and she didnt see the XXXX. She finally found it and then said my escrow was short so thats where the {$27.00} went. She explained that when they have any money come in that is not a payment amount it is posted where they see it is needed. She entered information to get these payments correctly moved and I made another payment XX/XX/year> for XXXX XXXX which is a payment plus the late Fee. She advised this would take 3 to 4 days to post and hopefully everything would go through on the transfer of the funds on the other payment. I have sent two messages through their contact us option and received no reply. an issue with this company is payments can only be taken from a checking or savings account and posting is erratic. It may show up the next day. It may show up a week or two later. Sometimes the payment amount you see online is not the amount taken.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: NY

Complaint narrative:
Hello, I am formally disputing multiple late payment fees that were charged to my account within a very short time frame, including duplicate and offsetting amounts on XX/XX/XXXX. The application of several late fees for what should be a single billing period does not make sense and warrants review. 

Due to financial hardship, these repeated charges have caused unnecessary strain. I am respectfully requesting : - A full courtesy refund of the late payment fees assessed during this period, and - Written confirmation that my account is in good standing with no additional late fees pending. 

I would prefer to resolve this directly and amicably and look forward to your response. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited money into my Health savings account, and that money was sent out by HSA back to XXXX. The checks were written in XXXX, sent to a XXXXXXXX XXXX Customer service lady told me they should of not sent the money due to the checks written in XXXX. I submitted a dispute affidavits about this incident. I just received back a letter from HSA bank denying any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
STATEMENT PAYPAL I am submitting this complaint regarding PayPals restriction of my account, the withholding of my funds, and PayPals refusal to provide any meaningful explanation or due process. 

PayPal allowed me to purchase cryptocurrency through my PayPal account for the purpose of making a legitimate payment to a software company. After the cryptocurrency purchase was approved, I attempted to send the cryptocurrency. The transaction failed. Immediately thereafter, I discovered PayPal had restricted my account. 

When I contacted PayPal to request clarification, PayPal refused to provide any specific reason for the restriction. PayPal would not confirm whether the restriction was triggered by the recipient company, the transaction itself, or an alleged issue with my account. PayPal also refused to identify any policy provision allegedly violated, refused to provide supporting details, and denied me the opportunity to submit evidence or resolve the matter. 

In addition, PayPal deducted fees and placed the remaining balance on hold, despite the fact that I am unable to access or use my PayPal account. This effectively deprives me of my funds while PayPal continues to retain control of the remaining balance without providing a clear justification or timeline for release. 

I am requesting the following relief : 1. A written explanation identifying the specific PayPal policy or User Agreement provision PayPal claims was violated 2. Written confirmation of whether the restriction was triggered by the recipient company, the transaction, or my account 3. A complete itemized breakdown of any fees deducted and the justification for each deduction 4. A written timeline for when the remaining funds will be released 5. Immediate release of my remaining funds if PayPal can not provide a valid and documented basis for continuing to hold them I have legal counsel prepared to pursue this matter further. However, I was advised to attempt resolution through the appropriate consumer complaint process first and to document PayPals continued refusal to provide transparency, due process, or a reasonable path to resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
In XX/XX/year>, I closed my XXXX XXXX account in person at a XXXX retail location. At that time, all devices on the account were fully paid off, all outstanding balances were paid in full, and I was explicitly assured by the XXXX representative that the account was fully closed with no remaining balance. I have had no active XXXX services or lines since that time. 

Despite this, an unexplained balance of {$2500.00} later appeared on the account and was sent to collections without any itemized bill, final statement, or written explanation of the charges. I never received documentation explaining how this amount was calculated. 

Before the account was sent to collections, I contacted XXXX approximately 1520 times by phone. During these calls, multiple XXXX representatives acknowledged that the balance was an error and assured me it would be corrected. I was also told that call recordings and confirmations would be provided, but I never received them. XXXX failed to resolve the issue and instead escalated it to a third-party collection agency, MRS BPO , LLC. 

I submitted a formal written dispute to MRS BPO , LLC under the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the debt and cessation of collection activity. To date, I have received no acknowledgment or validation, while collection attempts continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
We were contacted our card was compromised XX/XX/XXXX. I went over all charges at that time with the person who contacted us of the fraudulent charges at that time. I have battled for months concerning 2 each, for charges of {$490.00} XXXX and Barclay finally credited those charges. Now, my current statement is showing 3 other charges that I went over with their representative at the time of those charges, stating they were not ours. They were taken off and now placed back on. Barclay told us my card info was stolen from my XXXX XXXX  XX/XX/XXXX. This thief started with small charges starting on XX/XX/XXXX, which Barclay also finally credited. Then, 3 charges I disputed were then charged on XX/XX/XXXX, XXXX XXXX {$8.00}, XXXX XXXX XXXX XXXXp {$38.00} and XXXX XXXX {$28.00}. They started with small charges and went on XX/XX/XXXX for a spending spree upward of {$5000.00}. Their Fraudulent Department is incompetent on their investigations. So, again, I have these 3 charges put back on my statement that we owe.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

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 non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Re : Request for Form 1099-C for Account # XXXX To Whom It May Concern : I am writing to request issuance of Internal Revenue Service Form 1099-C ( Cancellation of Debt ) for the account referenced above ( Account # XXXX ), which was charged off by Exeter Finance LLC. 
For my tax reporting and compliance purposes, I need a complete copy of the 1099-C that was ( or should have been ) issued to me for any year in which this debt was cancelled, forgiven, charged off, or otherwise treated as uncollectible by Exeter or any assignee. If a Form 1099-C has already been issued in connection with this account, please provide : A copy of the original 1099-C you issued to me.

A copy of the transmittal or filing confirmation showing that the 1099-C was furnished to the IRS.

If no Form 1099-C was issued, I request that Exeter Finance LLC provide a statement in writing indicating that no 1099-C has been generated for this account and the reason why ( e.g., no debt forgiveness occurred, reporting threshold not met, etc. ). 
Under applicable IRS guidelines and Treasury regulations, taxpayers must report cancellation of debt income when a creditor discharges or abandons debt, and creditors are required to issue Form 1099-C in appropriate circumstances. To ensure accurate reporting on my federal tax return, I need this documentation to confirm whether any cancellation of debt income was recorded by Exeter and reported to the IRS.

Please provide the requested documents or written statement within 15 days of your receipt of this letter. You may send copies to my mailing address above or email to XXXXThank you for your attention and cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An unauthorized debit card transaction in the amount of {$4900.00} posted to my checking account in early XX/XX/year>. I reported the transaction promptly to Chase. An XXXX Incident Information Slip was issued documenting the report. Chase reviewed the matter and reimbursed the {$4900.00} .. This complaint is submitted for record-keeping purposes in the event of any future questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to formally dispute a rental account that is being reported under my name and social security number, which is not mine and has been confirmed as such by both the property and the debt collector.

After extensive back and forth between TSI ( the collection agency ) and the property in question, I was informed that the social security number associated with the alleged account does not belong to me, and that the property does not have an account on file under my name. 

The Property Director has provided me with a written letter confirming that this account is not mine, and I have attached that documentation for your review.

Despite this confirmation, TSI has continued to give me conflicting information and has not yet responded to XXXX XXXX to correct or remove this inaccurate reporting. TSI has stated they are waiting on the property to respond, however, the property has already completed their part and provided written verification that the account is not associated with me. 

This inaccurate reporting is negatively impacting my rental history and current housing application, making this an urgent matter. I am requesting that this account be immediately removed from my rental history, as it has been verified to be erroneous and not associated with my identity. 

Please confirm receipt of this dispute and advise on the timeline for resolution. I am requesting prompt action, as this matter has already been unnecessarily delayed. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received a notice to resolve my legal collections account and they said they are offering me an opportunity to resolved my account with no further legal action. But this debt is from XXXX. This is from Midland Credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief