vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed XXXX XXXX XXXX debit card transactions for {$400.00} each ( total {$1200.00} ) on my Citibank checking account. Citi issued provisional credits for all XXXX disputes and then reversed all XXXX credits on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> before receiving any merchant refund and without completing a proper investigation. In Citis XX/XX/year> XXXX Response Unit letter, Citi admits the only credits they received from XXXX were {$540.00} and {$15.00}, neither of which matches the disputed {$400.00} transactions. This means Citi reversed the provisional credits without receiving the merchant refunds and without providing any documentation supporting the reversals. This caused my account to become overdrawn. XXXX XXXX separately told the XXXX XXXX XXXX : All payments made on this account have been refunded in full, the remaining balance has been reduced to zero. Citi has not provided any evidence showing they received these refunds, nor have they provided the dispute ledger or investigation results I requested. I repeatedly asked Citi for : Confirmation of whether they received the disputed refunds The full accounting ledger Documentation supporting the reversals A written explanation of their investigation Citi did not provide any of this information and instead told me to pursue the merchant directly, which is improper under Regulation E. Citis premature reversals created the overdraft and negative balance they are now threatening to send to collections. I am requesting CFPB assistance because Citi has not complied with federal errorresolution requirements.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I reached out and provided all documentation and communication I had with venue and ticketing company. It came back saying I did not give any supporting documents that would allow dispute to be approved. Company says refund was issued but Cash App says they do not have the funds that were refunded. The amount that is being held is {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I am a homeowner with an XXXX mortgage serviced by ServiSolutions. I am filing this complaint because the servicer is refusing to evaluate my loan for the mandatory XXXXXXXX XXXX XXXX XXXX XXXX, specifically the Payment Supplement and Standalone Partial Claim options introduced under HUD Mortgagee Letter XXXX. I previously attempted a Trial Payment Plan ( TPP ) in XX/XX/year> that failed due to a technical banking/routing error, not due to lack of funds. I have documented income ( XXXX XXXXXXXX XXXX XXXXXXXX ) and a desire to keep my home. Despite this, ServiSolutions representatives have told me that my " only options '' are a Short Sale or Deed-in-Lieu of Foreclosure. This is a direct violation of HUD Handbook 4000.1 III.A.2.i.iii ( C ) ( 5 ) ( b ), which requires servicers to reconsider borrowers for permanent home retention options after a TPP failure if an option provides a greater payment reduction. Furthermore, they have failed to provide the required Written Denial Notice for each specific retention option in the new waterfall, as required by 12 CFR 1024.41. I have submitted a formal Notice of Error ( NOE ) to the servicer but continue to be directed to voicemails. I am requesting that the CFPB compel ServiSolutions to : - Halt all acquisition/foreclosure activity immediately. - Perform a full XXXX XXXXXXXX XXXX including the Payment Supplement. - Provide a clear, written explanation of eligibility or denial for each option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am disputing unauthorized electronic transfers from my U.S. Bank checking account totaling approximately {$1100.00} that were sent to XXXX XXXX between XX/XX/XXXX and XX/XX/year>. The replacement debit card associated with these transactions was never activated by me, I am requesting that U.S. Bank specifically identify the payment method used to complete the transfers ( for example, the full debit card number, tokenized card credentials, or account/routing number ) and explain how those credentials were obtained and authorized for use with XXXX XXXX. These transactions were not authorized by me. I do not have a XXXX XXXX account and have not used XXXX XXXX since a prior incident when my phone was stolen, after which I stopped using the service entirely. After that incident, U.S. Bank issued a replacement debit card. The debit card associated with the disputed transactions was never activated by me. Despite this, U.S. Bank determined that the transactions were authorized and denied my claim. The transfers appear in multiple amounts ( for example {$5.00}, {$10.00}, {$20.00}, {$80.00}, etc. ) followed by a larger {$660.00} transfer, all sent to a XXXX XXXX account displaying my name. I know that I did not authorize these transfers and I do not own or control the XXXX XXXX account receiving the funds. I also do not understand how these transactions could have occurred using a debit card that was never activated. I am requesting that U.S. Bank explain how an unactivated card could be used to complete these transfers and provide the evidence they relied on to determine that the transactions were authorized.Lastly their letters of denial were never sent or accessible to my email or my mailbox. I reported the activity to U.S. Bank immediately and requested an investigation under the Electronic Fund Transfer Act and Regulation E. However, my claim was denied even though the card was never activated and the transactions were sent to a XXXX XXXX account that I do not own or control. I am requesting that U.S. Bank conduct a proper investigation, determine how an unactivated debit card could be used for these transfers, and reimburse the unauthorized transactions as required under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

Complaint narrative:
Over {$1000.00} of unauthorized transactions on my account in XXXX. Wells Fargo claimed to investigate and decided You have not lost any devices that include a digital wallet. The transactions were types or amounts like your previous purchasing pattern. I want to report them for not properly investigating and refusing to proceed with my claim. A minuscule amount of the multitude of unauthorized transactions made appear to be made through digital wallet. I do not have a purchasing pattern of spending over {$1000.00} in a few days much less in a city I do not live in.

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 2026-03-06 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: DC

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
I called credit Corp. solutions and negotiated my debt down to {$500.00}. I then asked the woman how to pay her and told her I would not use my checking account but I would send a check or money order. She advised me to go and buy a XXXX prepaid card for {$500.00} to pay them. I did exactly that and they would not take the payment so now I am left with a {$500.00} gift card that was the last {$500.00}. I had to pay this debt and now I can not pay the debt because their company is not XXXX approved. I want this debt cleared. Wasted {$500.00}. Tried calling the prepaid card to get a refund in check form but they will not return my money. I am stuck, unable to pay this debt because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUSTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: NJ

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 2026-03-06 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: Experian Information Solutions Inc.
State: NJ

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 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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am not satisfied with Capital Ones response. I was informed that the closure of accounts ending in XXXX, XXXX, and XXXX was connected to the investigation of a XXXX account ending in XXXX. However, Capital One ultimately determined that I was responsible for the balances on the former XXXX accounts. Despite finding me liable, they still proceeded to permanently close the accounts and refuse reopening. This is contradictory. If the accounts were closed due to suspected fraud, and Capital Ones investigation concluded that I am responsible for the charges, then the basis for continued closure is unclear. I called them throughout the months of XXXX, XXXX and XXXX of XXXX pleading for these accounts to be reopened and sending affidavits confirming that these are in fact my accounts and need to be reopened, the never responded to my documentation. A fraud-based closure followed by a determination of liability should logically resolve the fraud concern. Instead, Capital One maintained the closure without providing a new or specific justification. These accounts were closed without meaningful explanation and without providing a clear adverse action reason as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B. A vague reference to internal information does not satisfy the requirement to provide specific reasons for adverse action. If the XXXX account was confirmed as identity theft and removed, and the remaining XXXX accounts were determined to be valid and my responsibility, then the original fraud concern should not justify the continued closure of the legitimate accounts. Capital One has not provided : A clear, specific reason for closing the XXXX legitimate accounts The policy or contractual provision relied upon Clarification as to whether the closure is fraud-based, risk-based, or discretionary A copy of any adverse action notice explaining the decision Closing legitimate accounts after determining they were not fraudulent and while holding me financially responsible without providing a transparent explanation raises serious concerns regarding procedural fairness and compliance with Regulation B ( ECOA adverse action requirements ). Additionally, the accounts were restricted during this process, limiting my ability to manage and maintain them. I am formally requesting : 1. A detailed written explanation for why the XXXX legitimate accounts remain closed after the fraud determination cleared them. 2. Identification of the exact factors relied upon to refuse reopening. 3. A copy of any adverse action notice issued. 4. A good-faith reconsideration of reopening these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicing Solutions, LLC
State: NY

Complaint narrative:
I am a XXXX XXXX resident being subjected to excessive and predatory debt collection practices by Servicing Solutions , LLC. 1. Harassment and Excessive Call Volume : In XX/XX/year>, the company placed XXXX contacts ( calls and texts ) to my personal number. This averages over XXXX attempts per week, which is a willful violation of the Federal Regulation F ' 7-in-7 ' rule. Between XXXX and XX/XX/year>, I have logged over XXXX total contacts. 2. Abusive Conduct : On XX/XX/year>, a representative hung up on me immediately after I answered their call on XXXX separate occasions. This is an abusive tactic intended to harass me rather than reach a resolution. 3. Failure to Validate and Cease : On XX/XX/year>, I sent a formal written dispute, a {$2300.00} settlement offer, and a Cease and Desist of all telephone communication via verified email. This was necessary because the company 's corporate fax line ( XXXX ) is disconnected and non-functional. 4. Continuing Violations : Despite my 'STOP ' request and formal notice, the company has ignored my XX/XX/year> deadline, has not provided debt validation, and continues to send automated text messages. I am requesting federal intervention to stop this harassment and compel the company to respond to my good-faith settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
See previous complaints. I was told by the by the Chase Executive Office ( Sekiea ) that my payroll deposit was applied to a negative balance on my account. I was told that the negative balance resulted from the reversal of a provisional credit that had been issued during the fraud investigation. However, the negative balance itself was created by the transactions that I reported as fraudulent. Because these transactions remain disputed and I have provided additional evidence including a police report, I believe the overdraft balance resulted directly from the disputed activity. For this reason, I respectfully request that the underlying fraud claim be reconsidered. If the disputed transactions are determined to be unauthorized, the resulting overdraft balance and the payroll funds that were applied to it should be corrected and restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding a debt collector called XXXX that is attempting to collect approximately {$8000.00} on a charged-off credit card account originally issued by XXXX XXXX Bank XXXX XXXX XXXX ). This account was charged off by the original creditor. XXXX claims to have purchased or been assigned this debt, but they have not provided adequate documentation proving they legally own the debt or have the right to collect it. I dispute this debt and have requested proper debt validation. To date, XXXX has not provided sufficient documentation such as a full account history, a signed agreement, or proof of assignment from XXXX XXXX Bank showing they are authorized to collect this debt. Despite the lack of validation, they continue attempts to collect and/or report the account. This behavior may violate the Fair Debt Collection Practices Act. I request that XXXX provide proper verification of the debt, including documentation showing the chain of ownership from XXXX XXXX Bank, the original signed agreement, and a full accounting of the amount claimed. If they can not provide this documentation, the collection activity should cease and any credit reporting related to this debt should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation