vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and fraudulent debt reporting. My personal information was used without my knowledge or consent to open an account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which was assigned to Portfolio Recovery Associates , LLC, and represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A judgment has been filed against me based on this account, claiming I owe {$8400.00}. I am not, and have never been, the debtor of this account. I never applied for, authorized, or benefited from these debts. This fraudulent activity has caused significant emotional distress, anxiety, and potential harm to my credit, reputation, and financial stability. Upon receiving notice of the judgment, I experienced fear and uncertainty. I required time to understand my rights and determine the proper steps to protect myself. My delay in responding was necessary, deliberate, and reasonable. I carefully researched the law and prepared to defend myself against debts I did not incur. The actions of Portfolio Recovery Associates , LLC and its counsel, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, constitute violations of federal law. They reported and attempted to collect debts that were fraudulent without verification or permissible purpose, in violation of 15 U.S.C. 1681i and 1681s-2. Their collection efforts from a non-debtor also violate the FDCPA, 15 U.S.C. 1692f and 1692g. Furnishing my personal information without my consent or a permissible purpose further violates 15 U.S.C. 1681b. These unlawful actions have caused ongoing harm, including emotional distress, financial risk, and potential damage to my credit and opportunities. I request that the CFPB investigate these practices, take action to ensure the judgment is vacated, the fraudulent account is removed from all credit reports, and all collection activity ceases immediately. I also request guidance on additional steps I can take to prevent further misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
* * Subject : Unreasonable Delay and Failure to Process Travel Insurance Claim * * I am filing a complaint regarding my Chase credit card travel insurance claim administered by Virginia XXXX XXXX and Chase Card Benefits ( Claim # XXXX ). I originally filed my claim on XX/XX/year>, after severe weather stranded me in XXXX for multiple days while traveling for work. The expenses incurred are covered under my Chase card XXXX travel protection benefits. Since filing, I have fully complied with every request and submitted all required documentation multiple times. However, after months of processing, I was informed that the claim had been filed under the wrong coverage category ( Trip Cancellation ) and was instructed to start over and submit a new claim under Trip Delay. I complied and resubmitted all requested documentation. Since then, Chase Card XXXX and Virginia XXXX have repeatedly requested documents that were already uploaded and previously provided. On multiple occasions, I contacted the claims department and was told my file was complete, only to receive additional requests for the same documents afterward. Most recently, I uploaded an additional document specifically requested by a representative, then received yet another request for documents already submitted. More than XXXX months later, my claim remains unresolved despite my repeated compliance. The ongoing cycle of duplicate document requests, contradictory information, and delays has prevented a fair and timely review of my claim. I request that Chase Card XXXX and Virginia XXXX immediately review my file, confirm receipt of all submitted documents, stop requesting duplicates, issue a coverage determination, and reimburse any eligible expenses without further delay. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 non-monetary relief
Consumer complaint received 2026-06-03 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: AL

Complaint narrative:
I want this account removed from my credit report it has hurt me for almost a year now.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I requested a XXXX from the credit card company and the reason for my reques was my account is closed and it been charge off. I never received any information from them yet it still still on my credit report. If they can't provide me with XXXX they should removed it from my report as soon as possible

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 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I received a check from TransUnion XXXX XXXX XXXXXXXX c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of 2025, never paid it any attention until I was about to tear it up a few days ago. I tried the information on the check, but had to end up calling the bank the check is written on ( XXXX XXXX XXXX ). They gave me their administrator 's name, which was a recording with the prompts as to what to do ( XXXX ) XXXX. I also emailed them, XXXX. Their response was : " Unfortunately, we are no longer able to honor or reissue this payment. Funds from uncashed checks were turned over to the Consumer Financial Protection Bureau, a part of the federal government, as it is required by the Consent Order. '' Below is the information from the check from TransUnion XXXX XXXX Administrator. This is my 4th attempt to get this resolved. My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. The Claim number : XXXX Account Number : XXXX Control Number : XXXX Disbursement Date : XX/XX/year> - {$220.00} Expiration Date : XX/XX/year> Thank you! 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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am filing a formal complaint regarding my banks refusal to take necessary action to assist in the recovery of funds lost due to a fraudulent wire transfer. BMO Bank initiated a wire transfer on my behalf to a receiving account a t XXXX XXXX XXXX, which has since been identified as fraudulent. I promptly reported the incident and filed a complaint with the FBIs Internet Crime Complaint Center ( IC3 ). As part of their investigation, the FBI has successfully frozen the recipient account at XXXX XXXX XXXX to facilitate recovery of the funds. The FBI has explicitly advised that BMO Bank send both a recall letter and an indemnificatio n letter to XXXX XXXX XXXX to enable the release and return of the frozen funds. However, BMO Bank has refused to issue the indemnification letter, citing internal policy that requires a formal request from the receiving bank before such a letter can be sent. This position has created a critical impasse. XXXX XXXX XXXX has indicatedthrough communication with the FBIthat they are expecting BMO Bank to initiate the process by sending the required documentation. Despite a joint discussion involving my bank manager and the FBI agent overseeing the case, BMO Bank has yet to make an exception or escalate the matter, even after speaking to the FBI and receiving their verbal request to send the letter and describe the federal process. This delay presents a significant risk. If the required documentation is not provided promptly, the receiving bank may release the freeze, close the account, and return the funds to the fraudulent account holder. This would substantially reduce, if not eliminate, my ability to recover the lost funds. I am requesting immediate intervention to compel BMO Bank to act in accordance with the FBIs recommendation and send the necessary recall and indemnification letters without further delay.

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 2026-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> sent in request TO BMO for payoff amount of my HELOC. They claim it was generated XX/XX/year> and mailed to me XX/XX/year>. Today is XX/XX/XXXX and its still not here. I called to complain to them XX/XX/XXXX. They promised to fax it to me within 24 hours. They did. I got it at XXXX XXXX XX/XX/XXXX with instructions that it was only good until XXXX XXXX that very same day. I called the branch XX/XX/XXXX I was informed my original request had expired and I needed to fill a new one out which I did the same day. I was promised I would get a new form faxed within 24 hours. Its now 72 hours later and I still don't have it despite Branch Manager calling and demanding it, De to their delays I am about to lose approval on my new HELOC with a lower oveall rate and a promotional rate.

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 2026-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Requested XXXX bill pays to be processed on XX/XX/year>. Wells Fargo changed these to be debited on XX/XX/year> after I had made a revision to the dollar amount, edit, of XXXX payment and because of this my account is overdrawn. I called immediately on XX/XX/year> after my account overdrew by {$7.00}. I was given much misinformation! I was told by Customer Service that there was nothing they could do and to visit a branch. At XXXX I took the bus to XXXX XXXX XXXX, Wells Fargo Bank. There were three employees in the branch. I asked the teller to see a XXXX XXXX. She told me they were short handed today. She called the Manager who was in his office with another employee in a long conversation. Teller said, " He can't do anything. You got ta call Customer Service. '' I explained to her I had been sent to the branch. She gave me a dirty look and said nothing. I felt discriminated against as a white customer. All the branch employees were of another race. So I came outside and called Customer Service. And then when I tried to reenter the branch the front door was locked with a sign that the branch was closed for the day! Then within XXXX minutes, the door was unlocked and people were entering the branch. I was disconnected from Customer Service several times. Spoke with employees, several, XXXX I could not understand, and I am hearing challenged. This was a nightmare. Finally spoke with a gentleman who said that he was going to try and stop a {$700.00} payment to XXXX XXXX XXXX. He put me on hold. I got disconnected again. In som total I was disconnected a grand total of XXXX times, and transferred to XXXX XXXX XXXX XXXX and kept getting transferred. I was then told that the only other payment they could stop was paper check to the XXXX of XXXX The XXXX for {$50.00}, she would do that now and put the money back in my account. Several hours later the account is still overdrawn. Called back. Transferred again, and then again, and was told that it would take XXXX to XXXX days for the {$50.00} to be credited to my account. I demand my account be restored for these payments sent in error. Further, I do not feel I should incur any overdraft fees. Now I know historically Wells Fargo has caused a lot of problems for people but I am handicapped, retired, getting ready to go in the hospital for XXXX, and I have been tied up all day with this mess. Help, please! No telling what this will do to my credit or what other penalties I will suffer from my creditors! I remain cordial and kind to all Wells Fargo employees, and this is how I was treated.

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 2026-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint because I am the victim of identity theft. An unknown individual fraudulently obtained and used my personal information to open two automobile loans and a credit card account without my knowledge, authorization, or consent. Upon discovering these fraudulent accounts, I immediately disputed them and notified the appropriate parties that I was not responsible for the debts. Despite my disputes and assertions of identity theft, the accounts were not properly resolved, and collection activity continued against me. As a result, my wages are now being garnished for debts that I did not incur and do not owe. This has caused significant financial hardship and damage to my credit and financial standing. I am requesting a full investigation into these fraudulent accounts, the removal of any associated liability from my name, the correction of any inaccurate information reported to consumer reporting agencies, the cessation of all collection efforts related to these fraudulent debts, and reimbursement of any wages wrongfully garnished. I have filed, or am in the process of filing, an Identity Theft Report with the Federal Trade Commission and can provide supporting documentation upon request. I respectfully request that this matter be reviewed and resolved as soon as possible.

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 2026-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have used Synchrony credit card for Rooms to Go to purchase furniture. I paid several XXXX dollars up front to take advantage of their deferred interest on the plan. Each month I get a charge on my statement " XXXX XXXX XXXX '' of {$2.00}. The first time they waived it but the second billing included the {$2.00} again. So I called on XX/XX/26 and spoke to XXXX who then transferred me to XXXX in Arizona. She said it was a late fee and couldn't waive it, I replied that if you look at the statement, it states interest and not late fee. She agreed but said she couldn't waive it. From my research, it looks live a minimum interest charge that is system generated and the agent has no idea how to fix. It's a small amount put it's the principal of the matter.

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 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX this was XXXX of the request sent ; XXXX my name is XXXX XXXX, I am writing you due to the XXXX XXXX XXXX XXXX with vin number XXXX. I have been contacting this financial company via telephone number XXXX, requesting XXXX document showing that the vehicle was collected on XX/XX/XXXX, the vehicle was sold in XX/XX/XXXX and the vin number of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting a formal dispute regarding inaccurate credit reporting || FACTS : My Capital One account ending in XXXX was opened on XX/XX/year> and closed on XX/XX/year> with XXXX balance, never activated and never used. Capital One has confirmed in writing that this account is not reported to XXXX XXXX XXXX and is not eligible for reinsertion || ISSUE : Despite this confirmation, the account is still being reported on my XXXX credit report, creating inconsistent and potentially inaccurate reporting || LAW : This raises concerns under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of information.

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

Complaint narrative:
I discovered that Jefferson Capital Systems , LLC reported a collection account on my credit report with a balance of {$13000.00} and an open date of XX/XX/year>. I do not recognize this account and have no knowledge of this alleged debt. I have never entered into an agreement with Jefferson Capital Systems , LLC, nor have I received any documentation demonstrating that I am legally responsible for this debt. After becoming aware of the account, I disputed the reporting and requested verification of the debt, including documentation showing that I incurred the obligation and that Jefferson Capital Systems , LLC has the legal right to collect and report it. To date, I have not received sufficient documentation proving that this account belongs to me. I am requesting that Jefferson Capital Systems , LLC conduct a thorough investigation and provide documentation supporting the validity of the account. If the debt can not be verified, I request that the account be removed from all consumer reporting agencies and that any inaccurate information be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 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: Chime Financial Inc
State: OK

Complaint narrative:
I had my credit builder account active and I received a message saying my card was canceled and reordered .. that was beginning of XXXX Chime support would not activate my card and my account was shut down. XXXX I got taxes and only XXXX of the $ {$11000.00} got put in checking account. XXXXXXXX XXXX XXXX XXXX {$2500.00} was located in my credit builder account which I no longer had access to .. except to pay the monthly fee on card that no longer worked. I sent it to my checking account and it never made it .. I contacted chime immediately and was told that I owed it and would not let me file a dispute or talk to anyone other than the XXXX ways listed. I called and messaged every day until the XXXX big amount came XXXX missing .. XX/XX/XXXX XXXX was in the credit builder account again but since I didn't have a card I called support to have them walk me thru it .. and once again I was told that I owed it and they took it off my account. They refused to let me file a dispute. They would not answer the phone or respond to my messages or emails for over a month. I saved all the screen shots of proof of deposits and all the money missing .. and the times XXXX tried contacting chime and they refused to do anything. I know they were the ones that wasn stealing money from my account .. I asked them more than once. I filed a dispute and a claim with them over 3 times .. and they never sent it. Please contact me ASAP im living in my car and lost my apartment during to my rent getting taken. I want to go to court if not resolved. I have all my proof plus documentation of all I lossed due to my account being stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: MI

Complaint narrative:
I used Tap Tap send company to transfer XXXXXXXX XXXX to my brother in XXXX because of the war situation.The transaction id is XXXX. Tap tap send sends the money through XXXX. There was an error in the phone number I put so XXXX refunded back the money to Tap tap send. Tap tap send confirmed receiving the money back from XXXX back in XXXX but refuses to refund it to me claiming that my account has been suspended for filing a chargeback dispute with my bank. My bank denied my claim and Tap tap send required a proof of the denial. Proof was submitted to them and since XXXX they keep informing me the finance department is still reviewing the proof ( since XXXX ). I cant get to talk to any supervisor or someone from financial department for them to manually check the chargeback. All I get is automated messages from the XXXX line customer representative

Company response to consumer: Closed with monetary relief