vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In or around XXXX and XXXX, I discovered inaccurate personal information and fraudulent accounts on my credit reports while reviewing my credit file. 

Multiple addresses appeared on my reports that do not belong to me and have never been associated with my residence. These addresses are inaccurate and were added without my knowledge or authorization. 

In addition, XXXX XXXX XXXX credit card accounts were reported that I did not open, authorize, or use. One account reflects a charged-off balance of approximately {$12000.00}, and the second reflects a balance of approximately {$960.00}. 

I believe these accounts and inaccurate addresses are the result of identity theft and unauthorized use of my personal information. 

After discovering these issues, I immediately took action by submitting disputes to the credit reporting agencies and filing an identity theft report. I provided supporting documentation, including proof of identity and address. 

Despite these efforts, the inaccurate addresses and fraudulent XXXX XXXX accounts continue to be reported, causing financial harm and damage to my credit profile. 

I am requesting that all incorrect addresses be permanently removed and that both fraudulent XXXX XXXX accounts be deleted from my credit reports in accordance with federal and state law. 

I am seeking a full investigation, correction of my credit file, and written confirmation of all updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding JPMorgan Chase Banks improper handling and misdirection of my settlement funds in Florida. 

I was the original named payee on a settlement check. Due to a temporary lack of valid identification, Chase permitted me to endorse the check for deposit into my sisters Chase account. Chase accepted the check, processed it, and cleared the funds. The account was later restricted pending verification of my identity as the original payee. 

Despite acknowledging that I am the original payee and lawful owner of the settlement proceeds, Chase subsequently reissued the settlement check naming my sister as the payee. This was done without my authorization, without any assignment of rights, and without a court order. 

Under Floridas Uniform Commercial Code, including Florida Statutes 673.2011 and 673.2031, negotiation or transfer of an instrument does not transfer ownership of settlement proceeds or authorize substitution of the named payee absent a valid assignment. Under Florida Statute 673.3011, I remain the person entitled to enforce the instrument.

Additionally, Florida Statute 674.4011 permits a bank to charge or pay an item only if it is properly payable. Reissuing a settlement check to an unauthorized payee does not meet this standard.

I did not assign or transfer my settlement rights to my sister. Chases actions constitute misdirection of settlement funds and improper handling of a negotiable instrument under Florida law. 

I am requesting that Chase cancel any improperly reissued check naming an unauthorized payee and reissue the settlement check correctly in my name as the original payee. I am also requesting written confirmation of corrective action. 
Chases error has caused unnecessary delay and improper diversion of my funds. I am requesting regulatory assistance to ensure this matter is resolved in compliance with Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding Aqua Finance , Inc. for multiple unresolved servicing, billing, and contract performance issues on my account. 

Account Number : XXXX Borrower : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Despite multiple written attempts, Aqua Finance has failed to respond or provide a clear explanation. 

1. Unauthorized increase in automatic payments My account was established with authorized automatic monthly payments of {$90.00}, which were withdrawn consistently for over a year. Beginning around XX/XX/XXXX, the automatic withdrawal amount increased to {$130.00} without my authorization, without a signed modification, and without written consent. I did not approve this increase and removed automatic drafting to prevent further unauthorized withdrawals. I am requesting documentation authorizing this increase or reversal if no authorization exists. 

2. Servicing error related to payment adjustment I was advised my payment would increase from {$90.00} to {$120.00} after the first year. Aqua Finance failed to update the automatic withdrawal amount and continued drafting {$90.00} for several months. This was a servicing error entirely outside of my control, as payments were automated and managed by the lender. I paid exactly what was withdrawn. I dispute any penalties, fees, or retroactive adjustments resulting from this error. 

3. Interest calculation and negative amortization concerns My account reflects daily interest of approximately {$4.00}, equating to roughly {$120.00} per month in interest alone. The listed monthly payment amount does not appear sufficient to cover accrued interest, causing the balance to grow despite payments. Aqua Finance has not provided a written explanation of the interest rate, calculation methodology, capitalization of interest, or payment application. This raises concerns of negative amortization without adequate disclosure. 

4. Non-delivery of contracted goods My agreement included a XXXX XXXX XXXX XXXX program described as an annual product package with reusable dispensers and yearly refills. I received only the initial delivery and have not received subsequent annual deliveries or partial fulfillment. This constitutes non-performance of a material component of the agreement. I am requesting fulfillment of the remaining deliveries or a corresponding credit applied to my loan balance. 

5. Failure to respond to dispute I submitted multiple written disputes and escalation emails requesting clarification and resolution. Aqua Finance has failed to respond. 

Good-faith payment : On XX/XX/XXXX, I made a {$120.00} payment ( Confirmation No. XXXX ) to demonstrate good-faith effort while this dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting of the above-referenced account on my consumer credit reports. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to substantiate this debt : Proof that you are the legal owner of this debt or have been assigned the right to collect it The name and address of the original creditor The original account number A copy of the original signed agreement or contract bearing my signature An itemized statement showing how the amount claimed was calculated Proof that this debt is within the applicable statute of limitations Proof that you are licensed to collect debts in my state, if required Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers of information are required to report only information that is complete, accurate, and verifiable. Additionally, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ) and 1681c ( a ), any information that can not be verified or is inaccurately reported must be deleted from consumer credit reports. 
Furthermore, the FDCPA, 15 U.S.C. 1692e, prohibits the continued reporting or collection of a debt that can not be validated or that is misrepresented. If you are unable to provide the requested validation, you are required to cease collection activity and delete this account from all consumer reporting agencies to which it has been reported. 
Until such time as proper validation is provided, you must immediately cease all collection activity and reporting of this account. 
This letter is not an acknowledgment of liability, nor is it a promise to pay. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I disputed a collection account being reported by Jefferson Capital Systems that they claim originated with XXXX XXXX. I have no knowledge of a valid obligation to this collector. 
On XX/XX/XXXX, I disputed this account and requested validation. Despite my dispute, Jefferson Capital Systems continued reporting the account to credit bureaus without providing any documentation establishing that I owe this debt, that the balance is accurate, or that they have the legal right to collect or report it. 
In XX/XX/XXXX, the credit bureau updated the account as verified/accurate. However, no documentation was provided to me showing how the debt was verified, what evidence was relied upon, or how liability was established. 
I believe the collector is reporting an unverified and disputed debt in violation of the Fair Debt Collection Practices Act and that the credit bureau failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act. 
I am requesting that Jefferson Capital Systems be required to either provide proper validation of this alleged debt, including proof of ownership and liability, or delete the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My personal phone was transferred to someone else. once that is transfered the perpetrator has used the phone to connect to all my accounts and transfer the money from my accounts. 
This include my XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, Capital one, XXXX This happened on XXXX XXXX XXXX ( moving my phone. ) and i am seeing access/transfers from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Block, Inc.
State: MA

Complaint narrative:
I am submitting this complaint to address Cash Apps continued failure to issue required provisional credits for unauthorized transactions, despite ongoing investigations and timely appeals. I reported and disputed over {$13000.00} totaling over XXXX plus in unauthorized Cash App transactions within the Regulation E timeframe. The merchant has already refunded more than {$7000.00} related to these transactions ; however, approximately XXXX unauthorized transactions remain unresolved. 

Cash App instructed me multiple times to contact the merchant myself, despite federal law requiring Cash App ( as the payment platform ) to investigate unauthorized electronic fund transfers. Cash App never provided documentation showing the merchant was contacted or that each transaction was individually investigated. 

I submitted appeals for these transactions on XX/XX/year>. On XXXX XXXX date provisional credits were due under Regulation ECash App abruptly denied over XXXX appeals within a very short time period ( less than a few hours ). It is not possible that a legitimate investigation of that volume occurred in that timeframe. This timing strongly suggests the appeals were closed to prevent the automated issuance of provisional credits. 

Supervisors later claimed the disputes were closed, yet also stated the transactions were still under review. No written investigation results, merchant responses, or evidence were provided. Cash App has never issued provisional credits, despite the disputes remaining open and unresolved. 

This conduct mirrors the CFPBs recent enforcement action against Block , Inc. for failing to investigate unauthorized transactions, directing consumers to contact merchants or banks instead, and withholding required provisional credits. Cash Apps actions in my case appear to be the same prohibited practices. 

I am requesting CFPB enforcement of my rights under Regulation E and immediate issuance of the provisional credits that were improperly withheld, rather than another delayed or copy-and-paste response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: IA

Complaint narrative:
My account was hacked XXXXXXXX XXXX XXXX XXXX  and I couldn't get into it for XXXX weeks I'm that XXXX weeks someone used my account to funnel XXXX dollars from another account so it looked like I had spent tha money when I finally got back into the account they would not give me a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I paid {$100.00} through Cash App to an online merchant operating a XXXX store for merchandise. 

The merchant never delivered the item. No legitimate tracking information was provided, and the seller stopped responding to all contact attempts. 

After realizing the store was fraudulent, I reported the transaction to Cash App as a scam. Cash App reviewed the dispute but denied it solely because more than 60 days had passed since the transaction date. 

The dispute was not denied because the transaction was valid, but because of an automatic time limitation. The fraud itself was never reviewed. 

This payment was made for an online purchase from a merchant, not a peer-to-peer transfer. I am requesting that Cash App review this as merchant fraud and not deny the claim solely based on timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I sent a certified letter with return receipt and email to Absolute Resolutions around XX/XX/year> to request " Validation '' of an alleged debt of {$25000.00}. Absolute Resolutions used an unlawful tactic known as " Parking Debt '' on my consumer profile around XX/XX/year> prior to the date given to respond of XX/XX/year> before continuing collection activity ; according to their collection 's notice. A " CEASE and DESIST '' of communication was requested in my Validation letter request. However, XXXX activity and/or communication to third-parties did not cease due to my personal non-public information being shared without proper Validation or consent. Absolute Resolutions furnished data to the consumer reporting agencies which has been recognized by the courts as collection activity & communication while discrepancies under dispute. In addition, it is unclear what agency is sending correspondence via mail, due to this collection agency using multiple company names & letter heads ( XXXX XXXX XXXX, Absolute Resolutions Investments , LLC and Absolute Resolution Corporation ). This collection account has inaccuracies with payments, dates, and balances which this agency claims I allegedly owe due to the failure of investigation & unlawful actions from the original creditor. Absolute Resolutions has been " Wilfully Non-Compliant '' in violation of my consumer rights under the FDCPA. Absolute Resolutions is damaging my ability to obtain credit, and affecting my mode of living. I have advised Absolute Resolutions that I am a XXXX veteran and I refuse to pay and continue to dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Subject : URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against Portfolio Recovery Associates , LLC for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor '' on my credit file ( see attached evidence ). This is a factually false statement. Portfolio Recovery Associates , LLC is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus. 

Violation 2 : Predatory " Re-Aging '' of Debt ( 15 U.S.C. 1681c ) The furnisher has manipulated the " Date Opened '' field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " Re-Aging, '' designed to bypass the 7-year reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards.

Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX  with XXXX XXXX  filing a formal complaint against Bank of America for a gross violation of Federal Regulation E ( 12 CFR 1005.11 ). On XX/XX/year>, I initiated a formal dispute ( Claim # XXXX ) for an electronic transfer of {$2100.00}. Federal law mandates that an investigation be completed within a maximum of 90 days ; however, Bank of America has failed to provide a final determination for over XXXX  days. This XXXX delay is a direct violation of mandatory federal timelines. The merchant ( XXXX XXXX ) had no legal right to these funds. Under PA 68 P.S. 250.512, a landlord must return the security deposit or an itemized list of damages within 30 days of move-out. My landlord failed to do this following my XX/XX/year> move-out, thereby legally forfeiting all rights to withhold funds or sue for damages. They eventually returned my full security depositwell past the 30-day legal limitwhich is a secondary admission that the account was settled in full. Because Bank of America failed to resolve this dispute timely, the merchant has re-aged this unresolved balance as a new debt of {$1100.00} and sent it to a collector ( XXXX XXXX XXXX ). This administrative failure by the bank has directly enabled a fraudulent collection and caused me severe financial and medical distress. I demand the {$1100.00} provisional credit be finalized and the remaining {$1000.00} be resolved in my favor.

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: AL

Complaint narrative:
I am requesting enforcement of my cease and desist r

ights under 15 U.S.C. 1692c. The debt collector continued contact after receiving my
written cease and desist notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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