vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding repeated and unwanted communications from Unifin Inc.. I have been receiving daily text messages and phone calls from this company attempting to collect a debt. The messages typically state that they are a debt collector and ask me to contact them regarding a reference number. I previously informed the company that I do not wish to be contacted by phone or text message and requested that all communication be in writing only. Despite this request, the company continues to send text messages and place calls on a daily basis. I attempted to send a formal written request via email to stop communication, but the email system failed to deliver properly due to issues on the companys end. These repeated communications are unwanted and constitute harassment. I am requesting that the company immediately cease all phone calls and text messages and limit any future communication to written correspondence only, as permitted under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc.
State: CA

Complaint narrative:
I am a former XXXX XXXX and had approximately {$2000.00} in earnings held in my XXXX account. In 2025, after a transition to a new payout system, I lost access to my account and funds. I was informed that a check was issued but it was never delivered. I then completed and submitted a required ACH authorization form to have the remaining balance transferred to my bank account. Despite submitting all requested documentation and following all instructions, I have not received my funds. Since XX/XX/year>, I have repeatedly contacted support requesting the exact balance owed and a timeline for payment, but I have not received clear answers or resolution. My funds have been withheld for several months without explanation or access. I am requesting immediate release of my remaining balance and confirmation of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is purposefully making it hard to pay off my credit card balance, so that I stay in debt and pay higher interest rates on the card. I initiated a payment through XXXX of my checking accounts, using my account number and routing number, confirmed the information, and submitted the request. Capital One stopped the payment and froze my card. I called them at the number they gave, went through their verification process, and confirmed that I had initiated the payment. They said they need to confirm with the checking account bank the payment is coming from on a XXXX way call. The person on the phone said most banks want the person on the phone. I had to go to work, and requested the representative to confirm with the checking account bank themselves, and they refused. I had already confirmed my identity, and confirmed that I made the payment. If the checking account bank has an issue or concern, they can and will reach out to me directly. There is no reason for Capital One to stop the verified payment except to keep people in debt and paying higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I filed a complaint with CFPB. Then, XXXX and Experian requested my personal information to identify myself as if they are a government agency or have any jurisdiction to do so. They are for-profit agency 's. They are not a branch of any government agency. Below are links which has information that is proof of my state : XXXX : XXXX https : XXXX PLEASE TAKE NOTICE OF ALL ATTACHMENTS.

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 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NE

Complaint narrative:
IC has submitted a claim from over XXXX years ago that I owe XXXX {$230.00}. It is still affecting my credit score.

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 2026-04-30 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:
I am submitting this complaint as a follow-up to a previously closed CFPB complaint regarding unauthorized transactions that Wells Fargo refused to reimburse. Wells Fargo denied my claim based on the assertion that my card was in my possession, which is not sufficient evidence of authorization. Fraudulent transactions can occur through digital wallets, skimming, or compromised card data. My account shows recent XXXX XXXX activity, confirming that my card information was active in a digital wallet environment, where unauthorized transactions can occur without physical possession. Wells Fargo has failed to provide : - The method of transaction ( chip, swipe, or digital ) - Any device, IP, or location data tied to the transactions - Proof that I authorized the charges Their investigation appears incomplete and does not meet the requirements of a reasonable investigation under federal law. I am requesting : - A full reinvestigation of my claim - Documentation supporting their determination - Reimbursement of the unauthorized transactions If this matter is not resolved, I will pursue additional regulatory and legal remedies.

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 2026-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I initiated a transfer of {$150000.00} on XX/XX/XXXX from my checking account at XXXX Bank to open a XXXX account with Synchrony Bank at 4.10 % 14 month offer. The transfer was completed on XXXXXXXX XXXX XXXXXXXX under Item # XXXX, and I received confirmation from Synchrony Bank that the funds were credited to the CD account ending in XXXX on XX/XX/year>. Shortly after, Synchrony Bank closed the CD account. As of today, my funds have not been returned to me. It has now been approximately 7 days since I was told the funds would be sent back. I have contacted Synchrony Bank multiple times, including speaking with several representatives and a supervisor. During these calls, I received conflicting and inconsistent information : I was told the funds are in a holding account, but no one could provide documentation or explain where the funds are currently located I was told the confirmation email stating the funds were credited into the same CD account they closed is incorrect, despite being issued by the bank I was asked to provide my full Social Security number to access information, but even after attempting to cooperate, representatives were still unable to locate my funds I requested a fund trace and written confirmation, but no documentation or case reference has been provided they said they don't provide anything by emails only verbally since its online bank only. I also contacted my bank XXXXXXXX XXXX who confirmed the transfer was completed and the funds were successfully sent to Synchrony Bank. Because the transfer was initiated through Synchrony, XXXX advised that only Synchrony can trace and account for the funds. At this time, I have no access to my funds, no written confirmation of their location, and no clear timeline for their return. Synchrony Bank has failed to properly account for a confirmed {$150000.00} transfer after closing the account it was sent to.

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 2026-04-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got a check for my XXXX ( k ) in the people at XXXX XXXXXXXX sent my check to the wrong address and then someone proceeded to get my check and cash it with Chase Bank a bank that I dont even bank with. I was able to get a copy of the check that was forged signed and it was signed misspelled. So Chase bank proceeded to cash a check that was signed illegally and signed incorrectly now I have to wait for the investigation will be done for me to get my money back. This is ridiculous. I need my money Im bout to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
unathorized charges for XXXX on my checking account. card lost and reported, and regions does not want to credit my account for lost card and unathorized charges!

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 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions is reporting a collection account from XXXX XXXX XXXX that I do not recognize, did not open, and never authorized. I disputed this account and requested validation. No documentation has been provided establishing that I entered into a contract, authorized service, or am otherwise liable for this alleged debt. No signed agreement, account application, or originating creditor records linking me to this account have been furnished. Under the Fair Credit Reporting Act 1681s-2 ( b ), after a dispute is submitted, the furnisher is required to conduct a reasonable investigation and verify that the information being reported is accurate and complete before continuing to report it. Because no competent evidence of contractual liability has been provided, the continued reporting of this account is not supported by a reasonable investigation and is therefore unverified and inaccurate under the FCRA.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for XXXX XXXX Credit card at XXXX XXXX on XXXX XXXX with promotional offer of XXXX bonus miles after I spend {$5000.00} within the first XXXX months, plus XXXX bonus miles for adding another authorized user and XXXX bonus miles using the promotional code at the airport. As of today I still have not received my XXXX bonus miles nor any of the mileage plus miles earned. I've been communicating with Chase bank since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've spoken with various agents, supervisors and my most recent conversation was with the XXXX office with XXXX ( agent ). She told me everything is fixed and I would get my bonus miles on XX/XX/XXXX. XXXX. I have not received the miles. As of this writing, I am owed XXXX bonus miles, plus XXXX mileage plus miles for spending on the credit card. These are the numbers showing on my statements and they are not transferred to my XXXX XXXX XXXX account with XXXX XXXX. I've also spoken with XXXX XXXX and they don't understand why I am not getting these miles because Chase DID transfer the XXXX miles for adding another authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I paid off the title loan. XXXX had the XXXX release the title. They didnt input the address correctly on the title. So, now I cant get the car inspected. I called to have the issue fixed, but they dont want to pay to fix it and blame it on the automated system. XXXX is who answered the phone and basically said they arent responsible for it and I have to go have it fixed on my dime. This isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against Experian regarding the unlawful reinsertion of a previously deleted account ( Citicards CBNA ). This account was removed from my credit report and later reinserted without proper notice as required under FCRA 611 ( a ) ( 5 ) ( B ). I did not receive notification within XXXX business days, and XXXX has failed to provide certification from the furnisher verifying the accuracy of the information.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I am submitting an additional complaint regarding Zwicker & Associates and their handling of XXXX alleged XXXX XXXX accounts. On XX/XX/year>, I mailed a certified debt validation request directly to Zwicker. Zwicker has acknowledged receiving this correspondence. Despite this, Zwicker has stated in prior CFPB responses that they did not communicate directly with me and instead directed all communications, including alleged validation, to a third party, XXXX XXXX, which they referred to as my agent or representative. I never gave Zwicker explicit written communication with authorization to treat XXXX XXXX as my legal representative for purposes of debt collection or legal notice. XXXX XXXX is not a law firm, and I did not authorize them to receive validation or other sensitive account information on my behalf. As a result, I never received any validation or initial communications directly from Zwicker prior to being served with a lawsuit. Zwicker has stated in their previous CFPB response they placed a cease-collection instruction on my account after receiving my dispute. However, they later filed a lawsuit against me in XX/XX/year>, without providing validation to me directly. Filing a lawsuit constitutes collection activity, a Violation of the FDCPA which clearly states that validation must be sent directly to the consumer, not a third party, and this occurred despite their acknowledgment of my personal dispute and without proper notice to me. Only after I filed CFPB complaints in XXXX and XXXX of XXXX did Zwicker re-send documents as a courtesy, which were addressed Dear XXXX and clearly intended for a third party, not me. These documents consisted only of account statements for both accounts and did not include any agreement, assignment, or proof of authority to collect. Due to Zwickers reliance on an unverified third party, failure to communicate directly with me, and failure to provide required validation before initiating litigation, I was deprived of the opportunity to respond or resolve this matter prior to being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent debt collection attempt made by I.C. System, Inc., which claims I owe {$550.00} for an account with XXXX. I am currently a victim of identity theft and have never had any financial dealings or obligations with XXXX. I reject the claim that I am a debtor for this account. I.C. System, Inc. is attempting to collect this debt without my consent or any legitimate basis, causing significant emotional and financial distress. I am requesting that the CFPB intervene and assist in ensuring that I.C. System, Inc. ceases all collection efforts until they provide proper validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. I am demanding proof of the debt, including the original signed contract ( with my wet signature ), verification that I.C. System, Inc. has the legal right to collect this debt, and an itemized breakdown of the {$550.00} amount. I also remind I.C. System, Inc. that their actions may violate 15 USC 1692e and 15 USC 1692f, which prohibit false, deceptive, or misleading representations and unfair means to collect debts. They are trying to collect a debt without providing adequate documentation or proof. I am requesting the CFPB 's assistance in investigating this fraudulent claim and holding I.C. System, Inc. accountable. If I.C. System, Inc. fails to provide the requested validation within 30 days, I demand that they cease all collection activities related to this debt. I trust the CFPB will help protect my rights under the FDCPA and FCRA, ensuring that unlawful collection efforts stop immediately.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

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 non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/year>, I sent a written request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act. As of today, I have received no response at all from Midland Credit Management. Despite my timely dispute, Midland Credit Management has : Failed to provide any validation or verification of the alleged debt Failed to respond to my written request Continued to report this account on my consumer credit report Their complete lack of response has left me unable to verify the accuracy of this account or move forward in resolving the matter. This conduct appears to violate the Fair Debt Collection Practices Act, specifically : 15 U.S.C. 1692g ( b ) Failure to cease collection activity until validation is provided after a timely dispute Additionally, continued reporting of this unverified account may violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure of a furnisher to properly investigate disputed information If this account was reported without proper notice or validation, it may also raise concerns of unlawful debt parking, as addressed in FTC v. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief