vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to request immediate investigation, deletion, and reinvestigation of inaccurate and fraudulent information being reported and furnished about me by XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX without my knowledge, authorization, or consent. 

XXXX XXXX XXXX XXXXXXXX XXXX are consumer reporting agencies as defined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and are legally required to ensure maximum possible accuracy, lawful purpose, and reasonable procedures when collecting, maintaining, and furnishing consumer information. These obligations have not been met.

As a direct result of inaccurate and fraudulent reporting by these entities, I have been denied access to personal and business banking services, including : - Chase Bank denial of a bank account on Friday, XX/XX/XXXX - XXXX XXXX XXXX denial of a business checking account in XX/XX/XXXX - XXXX denial of a business checking account in XX/XX/XXXX These denials have materially harmed my ability to establish and operate a legitimate business, directly interfering with my livelihood, financial stability, and ability to generate income. 

I am a documented victim of identity theft. I have reported this fraud to the Federal Trade Commission and to consumer reporting bureaus. Despite notice of disputed and fraudulent informatioXXXX XXXX XXXX XXXX XXXXXXXX XXXX have continued to maintain, furnish, and monetize inaccurate personal data, which raises serious concerns under : - Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681e ( b ), 1681i ) - Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) - Applicable federal and state identity theft and consumer protection statutes The continued dissemination and sale of my personal informationwithout permissible purpose, informed consent, or verified accuracyconstitutes an unlawful financial practice and has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Pursuant to my rights under the Fair Credit Reporting Act, I formally dispute all adverse information reported by XXXX XXXX XXXX XXXX XXXX  and demand the following relief : XXXX. Immediate deletion of all inaccurate, unverifiable, and fraudulent information associated with my consumer file 2. A full reinvestigation of all disputed data as required by 15 U.S.C. 1681i 3. Written verification of the source, permissible purpose, and legal basis for any information that remains 4. Immediate cessation of the furnishing and sale of my personal data related to disputed items I respectfully request that the Consumer Financial Protection Bureau investigate this matter, require full compliance by XXXX XXXX XXXX XXXXXXXX XXXX, and ensure corrective action to prevent continued consumer harm. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
On XX/XX/year>, I sent Jefferson Capital Systems , LLC a certified written dispute and validation request regarding inaccurate credit reporting on an account they are furnishing to the credit bureaus. The letter was dated XX/XX/year> and included copies of my identification and proof of address. To date, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/XXXX IQ Data contacted me via phone. The caller stated that I owed them a debt and it needed to be paid immediately by debit or credit card.

The caller stated they sent a letter to me about the debt. I asked for the address, they did not include my apartment number, only the complex address. I gave them the correct address. The caller stated A bill isnt going to change the fact that you owe the debt. You should have paid the debt before you even left the apartment, and it needs to be paid now. I again requested a letter be sent, they continued to tell me I owed them money and it needed to be paid right then. I ended the call. 

On XX/XX/XXXX I sent a certified letter of request for validation to the address on the XXXX website. The letter was signed for on XX/XX/XXXX. 

On XX/XX/XXXX I was contacted a second time by IQ Data. I told them I had already sent a letter, and they hung up. 

On XX/XX/XXXX I filed a civil suit against the original creditor regarding the debt. 

On XX/XX/XXXX IQ data called a third time. I did not answer. 

The original creditor was served legal paperwork on XX/XX/XXXX, and on XX/XX/XXXX IQ Data reported the debt in litigation to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IA

Complaint narrative:
I am filing a complaint against Source Receivables Management ( SRM ). 

I had an active payment agreement with this company regarding a T-Mobile debt. I was told that as long as I was making payments, the account would not be reported to the credit bureaus. 

On XX/XX/XXXX, I made a payment of {$150.00} under a new payment plan, and the payment was successfully processed and reflected both in my bank account and on SRMs website. 

Despite this, SRM later attempted to charge an unauthorized {$200.00} payment, which was declined. I was never contacted or notified about this declined payment, nor was I informed that having two payment plans was not allowed, even though their website allowed me to set it up.

Without any prior notice, SRM reported the account to the credit bureaus while I was actively making payments. Additionally, they reported an incorrect balance of {$1400.00}, when the correct balance after my payment is {$1200.00}. 

After I contacted them and provided proof of my {$150.00} payment, they acknowledged the payment and adjusted the balance but failed to remove the negative credit reporting and never followed up with me as promised. 

I am requesting immediate correction of the balance and removal of the inaccurate negative credit reporting, as well as written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Palisade Legal Group, PLLC
State: IL

Complaint narrative:
I entered into a debt settlement agreement with Palisade Legal Group based on their assurances that they would negotiate my accounts and provide legal representation in the event of litigation. 

Despite my consistent monthly payments, Palisade failed to communicate with my lenders for several months. This negligence resulted in multiple late payments, charge-offs, and accounts being transferred to collections. I entered this program with an XXXX credit score ; as a direct result of Palisades inaction, my score has plummeted to XXXX. 

Palisade later claimed they could not negotiate until my account reached a specific equity thresholda material fact that was never disclosed prior to signing the agreement. Furthermore, upon reaching a settlement, the company prioritized debiting their own fees from my account. This further depleted my available funds and impaired their ability to continue negotiations on my behalf. 

When XXXX XXXX XXXX filed suit against me due to Palisades lack of communication, the firm failed to negotiate favorable terms. Their correspondence with both the lender and myself was infrequent and inadequate. It is evident that Palisades primary objective was to collect a fee of approximately {$32000.00}, rather than fulfilling their fiduciary duty to settle my debts in my best interest. 

I have found no record of Palisade Legal Group , PLLC being licensed as a 'Debt Settlement Provider ' with the Illinois Department of Financial and Professional Regulation ( IDFPR ), as required by 225 ILCS XXXX. 

While the company claims to be a law firm, they operate as a debt management service. Per the precedent set in State of Rhode Island v. Palisade Legal Group, the firm is allegedly using its legal status to bypass consumer protection laws and charge excessive, front-loaded fees. 

Palisade charged a flat fee of approximately 27.5 % ( {$32000.00} ) of the total enrolled debt. Under Illinois law, fees should be tied to successful outcomes and performance, not charged as a flat percentage of debt before settlements are even reached. When I disputed this, Palisade claimed that this fee was appropriate, given Palisades status as a law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
My student loans at studentaid.gov were set to be forgiven through XXXX XXXX XXXX XXXX in XX/XX/XXXX when I was going to make the XXXX qualifying payment. 

I was on the XXXX plan so on XX/XX/XXXX, my loans were placed on forbearance with no qualifying payments as they paused and reconsidered XXXX. On XX/XX/XXXX, I submitted paperwork to be reconsidered for XXXX XXXX Repayments so I could make the final qualifying payments. 12 months later, that submissions is still listed " In Review. '' On XX/XX/XXXX, I submitted a request for XXXX Reconsideration to buyback remaining months the final months. This was with " XXXX  Reconsideration Case # : XXXX '' While this was process I was put on administrative deferment and accrued a few more qualifying months. I do not have documentation but after several months this just ended. 

I not sit at 118 out of 120 qualifying payments. 

I have continued to upload XXXX  forms from my employer on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX of XXXX. All remain " In Progress '' On XX/XX/XXXX, I submitted a new reconsideration request with " XXXX  Reconsideration Case # : XXXX '' but this has not been processed or received any movement or action in two months.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NY

Complaint narrative:
I disputed this utility collection account with the credit reporting agencies and requested documentation to validate the alleged debt, including an explanation of the basis for the charges, an itemized balance, and the method used to verify the account.

L.J. Ross Associates did not provide any documentation to substantiate the debt, yet the account was marked as verified and continues to be reported to the credit bureaus as accurate.

Verifying and reporting a utility collection without providing documentation indicates the account was verified without a reasonable investigation. As a result, inaccurate and unsubstantiated information continues to be reported on my credit report, causing ongoing harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I contacted American Express to dispute a {$100.00} charge from the online merchant website aafnation.com. I made the purchase on XX/XX/year>. The American Express representative stated they would not dispute the charge because I authorized the transaction, and it was complete. I disagreed, noting this was my first purchase from this site. After not receiving tracking information, I reviewed the website and found several red flags, including incorrect grammar, no contact information, no reviews, and conflicting location details ( website lists XXXX, XXXX lists XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I allegedly purchased a vehicle from Mercedes-Benz XXXX XXXX XXXX XXXX XX/XX/XXXX. I actually put a cash deposit down of {$6000.00}. The dealership violated the Truth in Lending Act by misrepresenting the transaction as a loan or a retail installment sales contract. I sent Mercedes-Benz of XXXX XXXX XXXX Notice of Default and Opportunity to Cure on XX/XX/XXXX. They did not respond. By XX/XX/XXXX, I began the arbitration process. Then I was seeking all sales tax paid, {$2700.00}, plus now 2 times the finance charge, {$25000.00}, pursuant to 15 US Code 1611, 15 US Code 1640, 15 US Code 1662, and 15 US Code 1605. They did not rebut the claim at all, nor did they respond. The vehicle was a lemon and never worked properly. It was sold to XXXX. I would like an immediate investigation and ultimately a remittance check of {$34000.00} from the dealership for fraud. Physical documentation will be sent if needed as proof to CFPB and Mercedes- Benz upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid in advance to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX for myself and my husband as advised to do on their website, prior to the immigration appointment. Once we arrived, we were advised that they could not provide a visa within the travel period that we needed so we never completed the process to receive the visa and requested a refund for {$320.00} ( {$160.00} x XXXX ). 

While I have email confirmation from the immigration agency that they would provide me refund, Citi refused to refund us the money. I provided the email chain to Citi showing proof that I was deserved a refund, but they still refused to process it. 

The purchase was made on 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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This account does not belong to me. I never opened this account, never authorized it, and have no financial responsibility for it. The continued reporting of this account is inaccurate and constitutes a mixed or erroneous credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NY

Complaint narrative:
Please see the attached Debt Validation Letter addressed to : January Technologies , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX For alleged debt : XXXXXXXX XXXX XXXX XXXX Acct ending in XXXX Alleged Amount {$76.00} XXXXXXXX XXXX  XXXX XXXX Acct ending in XXXX Alleged Amount {$170.00} XXXX XXXX  XXXX XXXX Acct ending in XXXX Alleged Amount {$58.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The vehicle associated with this account was repossessed and subsequently sold at auction. However, I did not receive any pre-sale or post-sale notice, auction documentation, or deficiency balance explanation. I was never provided with paperwork confirming the sale, the sale amount, or how any remaining balance was calculated. 

In addition, the account is being reported with incorrect charge-off and repossession dates. These inaccuracies materially misrepresent the age and status of the account and continue to negatively impact my credit. 

The missed payments occurred during a period of documented hardship following the passing of my mother, which caused a temporary financial disruption. While I acknowledge financial responsibility, this context is relevant to the account timeline and reporting. 

Despite the vehicle having been sold at auction, the account continues to report ongoing delinquency and a collection/charge-off status without proper validation or documentation. 

I am requesting that the company : XXXX. Provide written documentation of the repossession and auction, including pre-sale and post-sale notices, auction date, sale amount, and calculation of any deficiency balance. 
XXXX. Correct or remove all inaccurate credit reporting related to incorrect dates and ongoing delinquency. 
XXXX. Update the account to accurately reflect its true and final status, or delete the account if the information can not be verified. 
XXXX. Cease all further collection and communication efforts unless proper validation is provided. 

I am requesting the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I DID NOT OPEN A KIKOFF ACCOUNT IN XXXX. IT'S REPORTING AS A LATE PAYMENT ON MY CREDIT REPORT AND IT'S STOPPING ME FROM BEING ABLE TO BUY A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I reported a fraud wire transfer to my bank ( TD Bank ) and asked them to reverse the wire transfer. They said there is nothing they can do once the transfer has gone out for more than XXXX hours. 

I believe there is something they can do to get my money back but they just won't do it. 

Wire transfer Transactions : XX/XX/year> outgoing wire transfer {$30000.00} XX/XX/year> outgoing wire transfer {$4000.00} XX/XX/year> outgoing wire transfer {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: IL

Complaint narrative:
Contacting me via text from different phone numbers without any acknowledgement of who unifin is and why they are contacting me. I have never done business with unifin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open a car loan fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
THE ACCOUNT CAINE & WEINER COMPANY INC SHOWED UP ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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:
On XX/XX/year>, I discovered an unauthorized debit card transaction in the amount of {$340.00}, labeled as an XXXX XXXX XXXX charge, posted to my account. I did not authorize this transaction, did not initiate it, and did not receive any goods or services related to it. I reported the charge to my financial institution, Chime, immediately upon discovery. 

After reporting the charge, I closed the affected debit card to prevent further fraudulent activity and filed a police report for identity theft. I also began working with a detective regarding the unauthorized use of my debit card. 

I contacted XXXX XXXX XXXX to determine whether the {$340.00} payment credited any account associated with my name. XXXX XXXX XXXX confirmed that no such charge exists on my XXXX XXXX XXXX  account, that the payment did not credit any account under my name, and that they could not locate or verify the transaction as belonging to me. I submitted XXXX XXXX XXXX billing statements and documentation to Chime reflecting this information. 

Despite the police report and XXXX XXXX XXXX documentation, Chime denied my fraud claim related to the {$340.00} XXXX XXXX XXXX charge. I contacted Chime multiple times, requested supervisor escalation, and submitted additional documentation, but the denial remained in place without a clear explanation addressing the evidence provided. 

Approximately three weeks later, additional unauthorized transactions appeared on my account, including two XXXX charges in the amounts of {$140.00} and {$6.00}. These transactions were also not authorized by me. Chime credited these XXXX charges, acknowledging fraudulent activity on my account. Due to the ongoing unauthorized activity, I was forced to close the entire account to protect myself from further fraud. 

The fact that Chime credited the unauthorized XXXX charges confirms that fraudulent activity was occurring on my account, yet Chime continues to deny the {$340.00} XXXX XXXX XXXX dispute despite the same circumstances and supporting evidence. 

I have no knowledge of the {$340.00} transaction, did not authorize it, and received no benefit from it. The charge did not credit my XXXX XXXX XXXX account and was not verified by XXXX XXXX XXXX as belonging to me. Based on the documented pattern of fraud, I believe Chime failed to properly investigate this transaction and applied inconsistent standards in handling my disputes. 

I am requesting that this matter be reviewed and that the unauthorized {$340.00} charge be reversed and credited, along with a clear explanation of Chimes investigation and denial.

Company response to consumer: Closed with explanation