vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This company, Caine & Weiner is incorrectly listed as the original creditor, which is inaccurate and misleading, as they are a XXXXparty debt collector. The true original creditor is not identified. I have disputed this account and requested validation ; however, I have not received any documentation verifying : The original creditor The date of first delinquency Proof that I am legally obligated for this debt Despite the lack of verification, this account continues to be reported as open and in collections. This constitutes inaccurate and incomplete reporting in violation of the Fair Credit Reporting Act, which requires that all reported information be complete, accurate and verifiable. I am requesting proper validation of this debt. If the account can not be fully verified with accurate information, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
XX/XX/year>, {$550.00}, Professional Debt Mediation. I applied for a place and I was denied because of inaccurate and negative reporting. It was reported as non payment of rent. I reach out original owner of debt and the debt collector about this matter. I also ask for it to be removed and a cancellation of debt ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In approximately XXXX, my checking account with Citibank was placed under restriction and I lost all online access. The account currently contains approximately {$7000.00} or more, which I have been unable to access for several years. Since the restriction began, I have made extensive efforts to resolve the issue. I have contacted Citibank customer service over 100 times and was repeatedly instructed to wait for verification documents to be sent by mail or to call a specific number after receiving those documents. However, I have never received any such mail. I also visited a physical branch in an attempt to resolve the issue, but branch staff informed me they could not assist and directed me back to phone support. This has resulted in a continuous loop with no resolution. Despite my repeated requests, Citibank has failed to clearly explain the reason for the restriction, provide a working method to complete verification, or offer any alternative way to access my funds. As a result, I have been denied access to my own money for multiple years without resolution. I am requesting that Citibank either : Immediately restore access to my account upon completion of any necessary verification, OR Close the account and issue the full remaining balance to me via cashiers check sent to my verified address. I am seeking prompt resolution to this matter, as this prolonged restriction without access to funds is unreasonable.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions, improper account handling, and delayed access to funds that resulted in financial harm and disruption of a housing opportunity. On or around XX/XX/XXXX, I deposited a significant check into my account. Despite the deposit, I was unable to access my funds for approximately four days. This delay created immediate financial strain and prevented me from using funds that should have been available. During and following this period, I identified multiple unauthorized transactions on my account, including charges through XXXX XXXX, XXXX, and XXXX. I do not use XXXX, and neither I nor my wife authorized these transactions. These charges were made without our knowledge or consent. Additionally, during the deposit process, a third party identified as XXXX was in possession of my check and had access to my financial information while using a personal device. This raises serious concerns regarding the security and handling of my sensitive financial data. Throughout my attempts to resolve this issue, I experienced inconsistent and concerning behavior from bank representatives. I was told at times that representatives could not speak with me, yet account details were still discussed. Conflicting information was provided across multiple interactions, and I did not receive timely follow-up from management despite escalation requests. There has been a lack of clear communication regarding the status of any investigation. As a direct result of the delayed access to my funds, I was unable to complete a time-sensitive housing agreement. I entered into a lease agreement for a residence located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which required a move-in payment of {$2700.00} due no later than XX/XX/year>. The lease explicitly states it is not valid until payment is received and cleared. Due to the bank restricting and delaying access to my funds, I was unable to make the required payment within the contractual timeframe. As a result, I am at risk of losing this housing opportunity. This follows an earlier missed opportunity to purchase a home due to the same issue, and the situation has now escalated into housing instability for my family. I have documentation supporting all aspects of this complaint, including transaction records, communications, and the lease agreement.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
This complaint concerns the improper reinsertion of a collection account on my credit report that was previously investigated and deleted due to failure to verify. Dispute ID : XXXX Submitted : XX/XX/XXXX Resolved : XX/XX/XXXX Outcome : Account deleted after investigation The same account has now been reinserted in XXXX without proper notice or valid reinvestigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/year> I have requested my bank that someone has hacked my online account and transferred funds using XXXX. There are total of 18 Transactions which i have reported as fraud. As of Today my bank has denied all Fraud transactions.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts appear on my EARLY WARNING CONSUMER REPORT. Please remove the following accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following information be deleted from my EARLY WARNING CONSUMER REPORT immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After returning from a trip to XXXX, I noticed a fraudulent charge on my credit card in the amount of XXXX processed on XX/XX/year> by a vender named XXXX XXXX. No where on this trip did I spend nearly this much on anything nor did I conduct business with this vendor nor did I conduct business with any vendor of this type. I have since disputed the fraud and been denied twice. I also requested images of said transaction to no avail. It is my assumption that my credit card number was fraudulently electronically skimmed. As at no time did the cards leave our wallets. Please help recoup the fraudulent charge.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I discovered that the following accounts were opened in my name without my authorization : American Credit Acceptance Auto Loan {$15000.00} reported XXXX days late ; some payments were made without my knowledge American Credit Acceptance Auto Loan {$0.00} reported XXXX days late ; some payments were made without my knowledge XXXX XXXX XXXX {$530.00} collection/chargeoff. I did not make any payments I did not apply for or authorize any of these accounts. I am reporting this as identity theft and request an investigation to have these accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I received an email alleging I owe XXXX I do not owe anything to this company I filed a dispute and they have yet to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am a senior citizen reporting a {$2600.00} loss due to a scam conducted over XXXX. The funds were sent through Chime under deception. I reported the fraud to Chime within approximately XXXX hour of the transaction. Detailed Description : On XX/XX/year> I was manipulated via XXXX into sending {$2600.00} to another Chime account under false pretenses. I contacted Chime within approximately XXXX hour of the transaction and made multiple follow-up calls that same night and the following morning. During these calls, I clearly reported the incident as fraud and requested that the receiving account be frozen and that recovery efforts be initiated. Despite immediate notification, Chime failed to take timely or effective action. The receiving account was not frozen, and no meaningful recovery attempt was communicated to me. Additionally, I experienced communication difficulties with customer service representatives, which XXXX have contributed to a failure to understand the urgency and nature of the fraud. This further delayed appropriate action. Issues with Chimes Handling : Failure to act despite notification within approximately XXXX hour Refusal to freeze or restrict the receiving account Lack of timely intervention when recovery was still possible Communication barriers impacting effective reporting of fraud Misclassification of a deception-based scam as an authorized transaction Lack of transparency regarding investigative actions Given how quickly the fraud was reported, Chime had a clear opportunity to prevent further transfer or withdrawal of the funds. Desired Resolution : A full reinvestigation of this claim A documented timeline of Chimes response after initial notification Disclosure of whether the receiving account was reviewed or restricted Recovery of the funds, or Reimbursement of {$2600.00} due to failure to act after immediate notice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Regions Customer Support, I am writing to request urgent assistance regarding an issue with my account. On XX/XX/year>, I contacted customer support via live chat to initiate a merchant dispute. However, the agent mistakenly processed the request as a fraud dispute instead. As a result, my card was cancelled, and my account has now been placed on a branch hold. This situation has created a serious inconvenience, as I am currently traveling and do not have access to a Regions branch in my area. I need immediate access to my funds and would appreciate your help in resolving this matter as quickly as possible. Please review my account, correct the dispute classification, and remove the branch hold so I can regain access to my funds. Here are my details for reference : Name : XXXX XXXX XXXX Account Number : XXXX Phone Number : XXXX I kindly ask for a prompt response and resolution to this issue. Thank you for your assistance. Sincerely, XXXX XXXX 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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I was working and suddenly I started getting notifications from my bank that somebody was purchasing a {$300.00} product repeatedly from my Fifth Third Bank checking account through walmart.com. obviously it was not authorized and I immediately began contacting both entities. XXXX stated that I was being hacked and was able to stop several of the purchases but XXXX of them went through. Upon further investigation XXXX agreed that I have been hacked as neither are they nor I could contact the seller. I never received the items so I couldn't return them or fight it. XXXX insisted that Fifth Third should give back my money {$3600.00} and Fifth Third felt at XXXX to get back my money. I still have not received my money I have bought this fraud numerous times and they keep closing the case. I even got a police report but it was inconclusive they didn't do their job either. I can provide dates I have all the documentation written down but I just want to see if this is something that can be followed up on by you?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: SD

Complaint narrative:
I am filing a complaint against Ability Recovery Services LLC regarding an alleged medical debt account ( Account # XXXX ). I previously disputed this debt and requested proper validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ). In response, the company provided only an internal account summary and billing history. This does not meet the legal requirements for validation. They failed to provide : * A signed agreement or contract showing I am responsible for the debt * A complete itemized bill from the original creditor * Documentation proving their legal authority to collect this debt, including chain of assignment * Evidence that the debt is still valid and has not been written off or XXXXischarged Notably, their own documentation references a write-off, which raises further concerns about the legitimacy and collectability of this account. Despite failing to properly validate the debt, the company continues to attempt collection and/or report this account to credit reporting agencies. I am requesting : 1. Immediate cessation of all collection activity 2. Deletion of this account from all credit reporting agencies 3. Written confirmation that this account has been removed This behavior appears to violate the FDCPA and Fair Credit Reporting Act ( FCRA ). I am seeking prompt resolution of this matter. Sincerely, XXXX XXXX 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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal has a negative balance on my Paypal account of XXXX after Paypal shared my private credit card information with XXXX. XXXX then charged my credit card which they got from Paypal. However, Paypal said Paypal spotted me the money and paid XXXX on my behalf although there is no such feature added to Paypal, nor have they ever used such a feature in the 12 years I have been with them. Paypal only rejects payments when there is no cash balance available. I never signed up for any change to that arrangement. Now I have paid XXXX and also Paypal wants to be paid for the same transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This American Express Credit Card account only came to my knowledge in XXXX of XXXX after I had created my first XXXX XXXX account. The account said on the app that it was opened in XXXX of XXXX and from there I immediately reported it as fraud on the app and notified American Express directly. From XX/XX/XXXX to today, XX/XX/XXXX I have called American Express over 21 times trying to get this account off of my credit report as it was accumulating debts of {$3300.00} that I am not responsible for, I'd like to add that I only have a XXXX XXXX Credit Card in my possession, which as you will see in my attached documents my spending habits does not match the spending on the American Express card. Over the course of calling back to back, the employees that I have spoken to over the phone have given me the run-around about the best ways to resolve the issue. They failed to notify me of what information to provide and where to provide it as there was a call that I made in XXXX of XXXX where I called to inquire where to submit my police report as evidence to an employee over the phone and they redirected me to an online site to submit evidence where you needed to provide the full card number to submit your documents, which I could not provide. I called back and another employee asked me for the case number and said explicitly that it would be used to reopen the case and be used as evidence. After following up 3 weeks later there had been no progress I called again and another employee told me that I had to mail in a physical copy of the report, and I sent in that as well as a copy of my FTC identity theft report. Despite providing new evidence American Express denied my fraud claims and continues to list this account and the debt associated with it as mine, when it is not and I have tried to find solutions to prove that this is not my account with no help from the employees over the phone who consistently gave me the least helpful solution to my problems every time.

Company response to consumer: Closed with explanation