vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX much to my dismay I was reported as 40 days late on my BofA XXXX when it was originally set up for auto pay. A glitch in BofA Technology failed to generate the auto pay causing me to be reported as 30 days late. This is s complete disregard of my side if what happened.

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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XXXX, while I was renting a house, my personal identifying documents were stolen from the residence. The stolen items included my Social Security card and my birth certificate.

After the theft, I began receiving notices of accounts and credit activity that I did not apply for or authorize. I believe my personal information was used without my consent to open these accounts.

I then checked my XXXX XXXX and seen my ssn and email was compromised in XXXX  as i included in the documents showing that

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized electronic fund transfers and account takeover activity on my Chase Bank account that occurred on XX/XX/XXXX and XX/XX/XXXX. 

During this time, I received multiple phone calls that appeared to originate from Chase Banks official phone number. The callers identified themselves as representatives of Chases fraud department and advised me that fraudulent activity had been detected on my account. Based on the appearance of the calls, the use of banking terminology, and repeated contact, I reasonably believed I was communicating with Chase Bank. I later discovered that these calls involved caller ID spoofing and bank impersonation.

As part of the fraud, the individual ( s ) impersonating Chase gained unauthorized access to my account from another device. They removed my phone number and email address from my account so that I would not receive security alerts or notifications about transactions. This allowed them to disable a mortgage payment, resulting in an immediate temporary credit from Chase Bank. These and other funds from all of my accounts, my sons account, and my fiancs accounts were consolidated through multiple unauthorized transfers into larger sums which could be easily transferred.

As a result of this impersonation and account takeover, the following transactions occurred : Two XXXX transfers of {$2000.00} and {$1400.00}, initiated by the fraudster without my authorization One XXXX XXXX transfer of {$4500.00}, which I sent while acting under the false belief that I was following legitimate Chase fraud instructions to restore my account balances.

Additionally, after the XXXX XXXX transfer, I was instructed to text a photograph of the transaction confirmation to a phone number provided by the fraudster. I complied because I believed I was communicating with Chases fraud department.

I promptly reported the incident to Chase Bank, ( filing 2 claims ) and filed a police report, documented with XXXX XXXX XXXX XXXX in XXXX, Colorado, Case Number XXXX. Despite this, Chase closed both of my claims, stating the transactions were authorized. This determination does not reflect the facts. These transfers resulted from bank impersonation, caller ID spoofing, unauthorized account access, removal of security alerts, fraudster-initiated XXXX transactions , and deception-induced XXXX XXXX transfers. 

Attached are the following supporting documents : Sworn statement detailing the fraud and account takeover Police report XXXX ( to be uploaded when available ) Transaction records for the affected XXXX and XXXX XXXX transfers Screenshots of text messages related to XXXX XXXX verification Screenshots of call logs showing the spoofing of the phone number Emails from Chase showing unauthorized access to my account and changing of my password while I was on the phone with the caller Chase claim denial letters

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a functional medicine/healthcare provider. In XX/XX/year>, a customer enrolled in a fixed-term 6-month professional services program with a total cost of {$16000.00}. The customer signed all required documents, including a 4-month Payment Plan Authorization Form, a Consent Waiver, and a clearly disclosed 3-day cancellation policy stating that all payments are non-refundable after the window closes. The customer participated in services throughout XXXX and XXXX, including an intake session, ongoing communication, and a personalized plan delivered on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX  days past the program cancellation and refund window and after receiving servicesthe customer attempted to cancel. She then filed chargebacks for two payments ( {$4100.00} and {$1000.00} ) claiming fraud and subscription canceled, even though this was not fraud ( it was an authorized charge and requested payment plan ) ; nor was it a subscription but a fixed-term agreement she had signed and financially authorized.

Despite extensive, timestamped evidence showing that : the cancellation policy was agreed to, services were delivered, charges were authorized, and cancellation was attempted far outside policy, the issuing banks ruled in the customers favor for the subscription canceled claim, charging me back {$1000.00}. ( Note : the fraud claim was ruled in the merchant favor after submitting copious evidence and documentation, validating the false claims ).

Under Visa Reason Code 13.2, merchants may request pre-arbitration review when a customer cancels outside the allowed window after receiving services. I requested to submit a full pre-arbitration packet to XXXX. However, XXXX refused to accept it or forward my request to their acquiring bank, incorrectly stating that the dispute decision was final. This is not accuratepre-arbitration occurs after representment and is part of XXXX  required dispute lifecycle. 

XXXX refusal to forward my pre-arbitration evidence prevents proper network review and has caused financial and operational harm. I am requesting CFPB assistance to ensure XXXX  forwards the pre-arbitration request to their acquiring bank in accordance with XXXX 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/year>, I sent LVNV Funding LLC a certified written dispute and validation request regarding inaccurate credit reporting on the following account : Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  Date opened : XX/XX/year> XXXX XXXX LVNV Funding is reporting this same account inconsistently across the credit bureaus : XXXX  shows it as an installment account, XXXX  shows it as a collection account, and XXXX  shows it as an open account. These contradictory account types and payment statuses are inaccurate and misleading. 

XXXX XXXX In my certified letter, I requested that LVNV Funding investigate the dispute, provide documentation proving the debt, and correct or delete the account if it could not be verified within 30 days under FCRA 611. 

XXXX XXXX LVNV Funding has not responded and continues to report the account inaccurately. 

This appears to violate the Fair Credit Reporting Act, including their duty to conduct a reasonable investigation and correct or delete unverifiable information under 15 U.S.C. 1681i and 1681s-2 ( b ).

I am requesting that LVNV Funding be required to either properly verify this account with documentation or delete it from all credit reporting agencies.

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 — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a promotional offer with Bank of America that promised a {$500.00} bonus to be deposited to my account within 60 days after all requirements of the offer were met, as long as those requirements were met within 90 days of opening the account. I met all of these requirements in full and on time within the 90 days, however it has now been 6 months without the {$500.00} bonus being deposited into my account.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am an XXXX Maryland consumer. My Discover credit card account was recently closed due to an identity verification issue, with a remaining balance of approximately {$490.00}. 

On XX/XX/year> at XXXX XXXX, I received a voicemail from Discover. The caller failed to disconnect the call, and the voicemail contains extreme profanity and the use of the n-word multiple times during a background conversation between the caller and another person. 

Although the language was not directed at me, it was recorded and left on my personal voicemail. I believe this communication was inappropriate, abusive, and unprofessional. I have preserved the voicemail recording and call details. 

I am requesting that Discover investigate this incident, cease harassing or abusive communications, and resolve my account in a fair manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Help my right are being violated, 15 U.S.C 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. the account I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
In XXXX, while I was renting a house, my personal identifying documents were stolen from the residence. The stolen items included my Social Security card and my birth certificate. 
After the theft, I began receiving notices of accounts and credit activity that I did not apply for or authorize. I believe my personal information was used without my consent to open these accounts. I checked my XXXX XXXX it said my ssn and email have been compromised since XXXX  which im going to imclude in the documents. These debts arent mine and needed to be deleted thank you

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: Klarna AB
State: MD

Complaint narrative:
Complaint Type Payment/Transaction Issues- Buy Now Pay Later Service ( Klarna ) Summary Filing a complaint against Klarna for failure to properly investigate and resolve a dispute involving an undelivered {$580.00} order from XXXX XXXX XXXX XXXX XXXX XXXX XXXX improperly closing a valid dispute without merchant evidence of shipment, and continuing to demand payment for goods never received. 

CFPB Complaint XXXX Klarna Order Details Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. 
Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$580.00} Merchant Order # : XXXX Klarna Order # : XXXX Payment Status : {$140.00} paid ; {$430.00} remaining ; next payment due XX/XX/year> Issue Summary Purchased jewelry for {$580.00} through Klarnas installment plan. Item was never delivered after over XXXX month. Merchant repeatedly delayed, asking me to wait a little longer instead of canceling or shipping. Filed dispute with Klarna, which was closed in merchants favor without any proof of shipment provided. Account now shows Return in progress for an item I never received. 
Problems with Klarna Closed dispute without evidence : No proof of delivery or shipment obtained from merchant. Continued payment obligation : Still owe {$430.00} for undelivered goods. Refused escalation : Agent would not connect me to someone with refund authority. Deflected responsibility : Agent stated dispute process was futile and I should contact merchant directly despite attempts to handle. 
Paid {$140.00} for goods never received Required to continue paying {$430.00} for undelivered merchandise Can not pursue bank chargeback as payment processed through Klarna Credit/payment standing at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracy on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy : Account Name : XXXX XXXX Account number : XXXX

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 — Store credit 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: CA

Complaint narrative:
The last four digits : XXXX I am being charged by Macys Credit Card for merchandise I never received. 

I placed an order through the Macys app in XXXX of XXXX. The item was never delivered to me. Tracking information shows the package was returned to Macys warehouse and never received by me.

Despite this, Macys continues to bill me for the purchase, add late fees and interest, and report the balance as delinquent to the credit bureaus. This has caused damage to my credit score even though the merchandise was never delivered.

I have contacted Macys, but the issue has not been resolved. I am requesting : Reversal of the charge Removal of all late fees and interest Correction of any negative credit reporting related to this charge Charging and reporting a balance for merchandise not received is unfair and inaccurate.

Product : Credit card Issue : Billing dispute / Charged for merchandise not received Company : Macys Credit Card

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 2026-01-26 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: CA

Complaint narrative:
I am filing a complaint against XXXX and Caine & Weiner for improper credit reporting, denial of dispute rights, and material financial harm. 

XXXX provided me with inflated and inconsistent buyout quotes initially {$86000.00}, then reduced to {$58000.00} after I challenged the number ( see Exhibit B ). These practices are currently under legal investigation ( see Exhibit A ). 

Caine & Weiner reported the debt to the credit bureaus before providing me with notice or allowing me to dispute it. When I attempted to dispute the debt, their representative, XXXX XXXX, refused to accept my dispute and stated she would no longer communicate with me ( see Exhibit D ). 

They have now reported a collection amount of {$130000.00}, which is unsupported and grossly inflated. 

This improper reporting has blocked my VA cash-out refinance, which I intended to use to pay down debt and buy out the system. As a XXXX XXXX XXXX XXXX this has caused significant hardship ( see Exhibit E ). 

I also lost a qualified homebuyer due to the {$86000.00} buyout quote, and four other buyers declined to make offers after learning the system was leased through XXXX ( see Exhibit F ). 

I request that the CFPB : Require deletion of the tradeline Investigate XXXX pricing and sales practices Investigate Caine & Weiners refusal to accept disputes Ensure my rights under the FDCPA and FCRA are enforced

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

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to report an issue I have encountered with my Bank of America account. 

My account was blocked without any prior notice. This account serves as my salary and autopay account, and as a result, my funds are currently inaccessible. On Friday, XX/XX/year>, I called customer service to inquire about the situation, I was informed that I would receive a notification via mail. Additionally, they mentioned that I would receive my funds once the account is officially closed, which could take up to 30 to 45 days. This situation has caused me significant stress and chaos as I need access to my funds to pay bills and manage my finances. 

I appreciate your assistance in addressing this matter and hope to see a resolution soon.

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