vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSONis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I leased a new XXXX XXXX from XXXX in XX/XX/XXXX. The lease was for XXXX months. It was due to be returned on XX/XX/XXXX. On XX/XX/XXXX, I was heading to the airport for XXXX and the XXXX failed catastrophically. Luckily it was only about a mile from my house so I was able to drive it about XXXX miles an hour in XXXX mode back to my home where I had to switch cars and proceed to the airport. I texted the dealership immediately to let them know, and to seek advice. On XX/XX/XXXX when I was back from my XXXX trip, after hearing nothing from the dealership, I contacted them again, and they advised to have the vehicle towed to the dealership - XXXX XXXX XXXX XXXX MA. I did that and spoke to the sales XXXX, who advised me that since there were only XXXX days left in the lease and the service department would not be able to fix the vehicle immediately, that he would ground the vehicle and I should turn in the plates. At that point I had paid for the entire XXXX months of the lease. I asked him what could be done to make me whole given that I missed driving the car for approximately XXXX month of a XXXX month lease. He did not offer a loaner vehicle, but said that if and when I get a bill for the final turn in fee from Hyundai finance, I should dispute it. And that he would note that he would support that decision. I got the bill a few weeks later and I disputed it with hyundai finance. The bill was {$510.00}. {$400.00} of that was a turn in fee, {$85.00} was excess wear and tear ( which they did not explain at all ), and the rest was tax. The dispute was refused with no explanation. When I called XXXX consumer affairs, they told me there was nothing they could do because I was not experiencing a current mechanical failure. I called Hyundai finance again and they said there was nothing they could do and they never waive fees because the amount was contractual. I responded that providing me a vehicle for XXXX months was also contractual! I then requested that the issue be raised to a XXXX and escalated within hyundai finance. They put me on hold for a long time, then said that no one was available, and then said I would get a call from a XXXX within XXXX hours which I never did. I am now facing the impossible choice to pay the {$510.00} which I truly feel is fraudulent, or have this show up on my credit. This is classic unfair trade practices and a violation of consumer protection statutes in my opinion. Please help.

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 2026-01-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account is listed as a collection with a remark indicating it was " PLACED FOR COLLECTION. '' I do not recognize this debt, and I have never entered into any contract with Chase Bank. The balance shows a Balance of {$12.00}, XXXX with the account being open on XX/XX/year>. 


Violation of the Fair Credit Reporting Act ( FCRA ) : Under Section 1681i of the FCRA, you are required to conduct a reasonable investigation into any disputed information. Furthermore, under Section 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy. The reporting of this unverified collection account fails to meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: PA

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal CEASE AND DESIST notice to KIKOFF LENDING LLC. 

I dispute the alleged account being reported under my name by KIKOFF LENDING LLC. I do not owe this debt, and the account does NOT belong to me. I have never entered into any contractual agreement with KIKOFF LENDING LLC, nor have I authorized you or any third party to open, service, report, or furnish an account using my personal information. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), you are hereby directed to CEASE AND DESIST immediately from all collection efforts, reporting, furnishing, verification, communication, or any other activity related to this alleged account. 

Any continued reporting or collection activity after receipt of this notice constitutes the dissemination of false and unverified consumer information and may be deemed willful noncompliance with federal law, including failure to ensure maximum possible accuracy and failure to conduct a reasonable investigation. 

Accordingly, I demand the following : 1. Immediate cessation of all collection and reporting activity related to this alleged account. 
XXXX. Permanent deletion of the disputed account from all consumer reporting agencies to which it has been furnished. 
XXXX. Written confirmation that this cease and desist notice has been honored and that the account has been removed. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may subject your organization to civil liability under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/2026. 
It was a amount of XXXX dollars. 
I talked to the support on cashapp and it told that I could get a refund or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally request the reinstatement of my CareCredit account, which was recently closed due to a series of banking misunderstandings. I have been a loyal customer for over 10 years and have maintained a perfect payment history with zero late payments during that entire decade. 
Summary of the Incident : XX/XX/year> : I noticed an automated payment that I did not immediately recognize. Upon calling Synchrony Bank, the representative stated they found no account under my name. Based on this incorrect information, I placed a stop payment via my bank to protect myself from what I believed was a fraudulent charge. 
Correction : Within 48 hours, I realized the charge was for my CareCredit account. I immediately went to my bank, lifted the stop payment, and contacted CareCredit to explain the situation. 
The Error : Despite lifting the stop payment and ensuring all funds were available, thier system flagged these as " returned payments. '' I was never sent a warning or a request for clarification. I only discovered the account was closed via a letter in late XXXX. 
Request for Resolution : My bank records show that all payments have been successfully processed and I am currently in good standing. The closure of a XXXX account will cause significant, undue damage to my credit score. I am requesting a " goodwill reinstatement '' of my account to its original terms. 
I value my relationship with CareCredit and believe that a XXXX history of perfect behavior should outweigh a XXXX banking misunderstanding that I proactively tried to fix.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I visited a capital one ATM located in XXXX XXXX XXXX La XXXX, XXXX XXXX CA ) to deposit over {$750.00} in cash into my Checkings account. Once the ATM began counting the money, it got stuck on the Just a moment screen for roughly 10-15 mins before I called the Capital One support line. As I was on the phone with them and making my claim, the ATM began shutting down and restarting. After a couple minutes, I was still on the phone with the Capital One Representative, the ATM fully reset and there was no sign of my deposit anywhere. No confirmation screen, no receipt, no email. I let the representative know of this. The ATM then read that it was out of service for deposits or withdrawals until someone physically gave maintenance and the cash door remained locked with all my money. I tried to check the balance on my account once again with the operator on the line by just inserting my card and selected for it to print a receipt with the time and date of me visiting the ATM ( balance did not reflect my deposit ). The operator told me it would remain locked and they would continue the investigation. I then left and was granted a temporary credit. However, on XX/XX/XXXX they emailed me letting me know for {$700.00} their review of ATM systems don't show a record of a deposit into your account at the ATM terminal but did grant me {$65.00} stating Weve posted a partial credit to your account and have denied the remainder due to, our review of ATM systems don't show a record of a deposit into your account at the ATM terminal. This does not make any sense given I deposited the entirety of my money there. Now they want to reverse the credits from my checkings on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
am writing to file a formal complaint regarding the immediate freezing of my account and the withholding of my funds. On Friday, XX/XX/2026, a legitimate direct deposit was made into my account. Immediately following this, my account was flagged for " suspicious activity '' without any explanation or justification. 
The Current Situation : Lack of Communication : I have contacted customer service multiple times. Each time, representatives were unable to provide specific information regarding the flag or the status of my hard-earned money. 
Refusal of Escalation : My requests to speak with a supervisor or the fraud department were denied. Being told I must wait 10 business days for an " update '' while my funds are held hostage is unacceptable.

Total Loss of Access : I am currently unable to withdraw cash, pay bills, or transfer my funds to another institution. 
Extreme Financial Hardship : This freeze is causing immediate and irreparable harm to my family. I am the sole provider for : 1. My XXXX mother, who is recovering from a severe XXXX and requires medical supplies and care. 
2. My daughter, who is a XXXX XXXX XXXX individual with specific support needs. 
3. Basic Necessities : I currently have no access to money to purchase food or pay upcoming essential bills. 
Demands : I demand that Current/XXXX XXXX Bank immediately review the flag on my account and release my funds. The deposit in question is a verifiable direct deposit from my employer. If the account can not be fully reinstated today, I demand an immediate one-time transfer of my balance to my external linked bank account so I can care for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have attempted to no avail since XX/XX/year> to recieve almost {$800.00} worth of fraudulent XXXX charges. Ive called XXXX, sent emails, changed debit cards, and still I am now being charged- {$750.00} and now Im homeless because of these constant charges to my account. XXXX refuses to rectify the situation and I do not know what more I can do. Im homeless and cant pay rent and now my kids are suffering because of this. Please help. XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since approximately XX/XX/XXXX, I have received repeated and ongoing email and text alerts from XXXX indicating unauthorized login attempts and password-reset requests on my account. The password-reset alerts I received occurred on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( multiple times ) ; XX/XX/XXXX ; and XX/XX/XXXX. These attempts are persistent and appear automated. 

I contacted XXXX customer support to report this as an active security threat and requested preventative action. XXXX stated there was nothing they could do and advised me to allow the attempts to continue because the attacker has not yet succeeded. 

This response is unacceptable and creates a continuous account-takeover risk. Repeated unauthorized attempts indicate malicious activity that should trigger enhanced security controls. Over time, automated attacks can exploit weaknesses in authentication systems, including brute-force or replay attempts against one-time passcodes. 

XXXX failed to take reasonable steps to investigate or mitigate this risk, including reviewing IP addresses, device fingerprints, geolocation data, rate-limiting attempts, blocking suspicious sources, or applying additional account protections. 

I am requesting that Venmo be required to investigate the source of these unauthorized attempts, analyze IP and device activity, and implement appropriate safeguards to prevent further access attempts and protect my account and funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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: SC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
6 years ago Ive received my unemployment benefits from the state after 6 months of verification process with them the finally paid out my claim of {$15000.00}. Unfortunately, the bank that I had on the claim was my PayPal account and I havent received a large payment like that ever with them yet. So they automatically put it on hold and made me verify. Ive submitted my unemployment paperwork and Identifications etc. then told me they would release my money after 180 days. 
But the scam they are doing is every 180 days they will do another review and tell me they need another 180 days to review. They have did that about 12 times in the last 6 years. They keep telling me theyll give me my money in 180 days but at the end of days they add more months. IVE EVEN BEGGED THEM TO RETURN THE MONEY BACK TO THE STATE IF THEY WONT RELEASE IT TO ME AND THEY WONT EVEN DO THAT, THAT RIGHT THERE IS EXACTLY HOW I KNOW THAT PAYPAL IS STEALING PEOPLES MONEY AND LYING ABOUT IT SAYING IT HAS TO BE REVIEWED. 
PAYPAL DOES THIS WITH EVERYONE, THEY STEAL PEOPLES MONEY CONSTANTLY IF THEY FEEL LIKE THEYRE DOING ANYTHING SUSPICIOUS. I received a year of unemployment benefits because Ive been verifying that Im eligible for a whole year before they paid my claim out. So they weeks were just building and once I was done they paid it all at once of {$15000.00}, and now PayPal doesnt think i should have it because theyre XXXX and theyre thieves who steals from the less fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
These robocalls are occurring daily and after hours and waking us up They use different phone numbers and I have told them over and over again that they have the wrong number and that I am not the person they are looking for. They call from at least two different phone numbers : XXXX And XXXX Please help us...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I do owe this debt, I was looking for a work at home job, and got scammed.this scam was to cash a check the scammer sent thru on line I was to cash it thru my bank and use it for equipment to start an work at home business the scam was to buy equipment, then that changed when I cashed check I had to go thru some hoops first to process check. We sent money back to scammer by money orders and that was it we owe the money, now I want to make XXXX to repay debt, since in XXXX of last year everything that went to my account with bank was used to pay back originally debt was XXXX XXXX was paid in well now I'm saying I will try to repay, but I'm on a fixed income and have minimal money coming in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I'm excising my rights by law under 15 USC 1962g ( b ) to have Credit Collections produce all requested information in my dispute letter. I'm requesting itemization of any interest, fees, or other charges, the name and address of the original creditor, the copy of the original contract, agreement, or other documentation bearing my signature that demonstrates my legal obligation to pay the alleged debt, documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership, and the date of default and the date the debt was allegedly incurred. I never had any contract or did business with Credit Collections. Until Credit Collections can produce all information under 15 USC 1962g ( b ) that I owe this debt. I demand that Credit Collections delete themselves off my credit reports completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts in Dispute XXXX XXXX Acct No. XXXX | Opened XX/XX/XXXX | XXXX XXXX XXXX XXXX Acct XXXX. XXXX | Opened XX/XX/XXXX | XXXX XXXX XXXX XXXX Acct XXXX. XXXX | Opened XX/XX/XXXX | XXXX XXXX XXXX XXXX / XXXX Acct XXXX. XXXX | Opened XX/XX/XXXX | Balance XXXX XXXX XXXX XXXX XXXX Acct No. XXXX | Opened XX/XX/XXXX | Balance XXXX XXXX XXXX XXXX ( XXXX XXXX ) Acct No. XXXX | Opened XX/XX/XXXX | XXXX XXXX These accounts are disputed due to duplicate reporting, inconsistent balances, and failure to properly verify. 

Late Payments in Dispute XXXX  Acct No. XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX. XXXX These late payments are disputed as inaccurate, inconsistent, and/or unverifiable

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