vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I closed my U.S Bank checkings account ( debt card ) XX/XX/year> I spoke on the phone with U.S Bank and they said I will be receiving a XXXX XXXX  check via mail, because that is what my bank account had at the time. I asked more than once if this is closing my account/ canceling my debt card she said yes no more charges will be made through the account and to except a XXXX to XXXX business days for the XXXX XXXX check. I then had subscription charges go through BECAUSE they did not cancel my card/ close my account leading to my account getting sent to collections the company being XXXX XXXX. I knew on my end my subscription would be canceled and not go through due to opening a new bank account at a different business. Again I CLOSED/CANCELED my card and account therefore NO charges should have processed on my card meaning I did NOT authorize it! Since then I have tried to get it disputed being told by the company I will receive calls in regards to my open case and have only received XXXX phone call and when I gave the man on the phone my case number he said he did not find anything for that number, though he is the XXXX who contacted me so that makes no sense because he didnt even know why he called?.. I then received a letter by mail in regards to my dispute being denied because i authorized it. I called the day I received the letter and wanted to speak to someone because I did NOT authorize anything, again, because my account should have been closed/ canceled. They said someone would be contacting me and I have not received a phone call from them.

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 2026-01-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Federal financial aid money that was supposed to be applied to university account tuition balance was sent to a charged off account without authorization. Spoke to the bank and they refused to refund this money directly back to my school to apply to my account balance. I asked them to issue a payment reclamation / ACH reversal and they refused. That account is not eligible to receive ACH or XXXX-party payments and I was notified that it was closed. This is a misapplied XXXXparty payment and I requested that it be returned to the originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XX/XX/XXXX, my credit card was charged {$2400.00} by a merchant listed as XXXX XXXX  XXXX  XXXX XXXX XXXX. I do not recognize this merchant and did not authorize this transaction. 

I reported the charge to TD Bank as fraud and filed a dispute on XX/XX/XXXX. TD Bank issued a denial letter dated XX/XX/XXXX stating that an investigation was completed, but they did not provide any documentation or evidence showing that the transaction was authorized. 

TD Bank did not provide proof such as chip-and-PIN verification, signature verification, 3-D Secure authentication, merchant verification records, or any other documentation relied upon in denying my fraud claim. Simply stating that an investigation occurred does not demonstrate authorization. 

I requested documentation supporting TD Banks decision, but no such information was provided. I am requesting that TD Bank refund the {$2400.00}, provide written evidence of authorization if it exists, and ensure that no interest, fees, or negative credit reporting result from this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Cash App concerning a Direct deposit from Social Security XXXX in the amount of {$990.00} sent XX/XX/XXXX, in which I never received. I was told that an investigation would be started and that it would take XXXX days. I called again on XX/XX/XXXX to check on the progress and requested to speak to a supervisor, in which I was denied. I did receive an email from a supervisor stating that the investigation was being done. On XX/XX/XXXX, I called again an asked to speak to a supervisor or investigations because it has now been 7 days sense filing the initial complaint, in which I was denied, even though it has been more than 3 days and the direct deposit has yet to post on my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a complaint on XX/XX/XXXX regarding the issue that I've been dealing with since XX/XX/XXXX of funds being stolen from my account and not returned by Capital One. Capital One responded but not with any information of when I can expect my money to be returned. I have been more than patient and this has severely affected my livelihood and ability to pay my bills. Capital One has been nothing but negligent and unresponsive throughout this time. They have failed to provide timely and updated information and the information provided has been contradictory and depends on who you reach when you call. In XX/XX/XXXX I was told my case was closed. Last week as of XX/XX/XXXX I was told my case was still open. The service throughout this entire time since XX/XX/XXXX has been less than ideal and I am frustrated with the lack of support that I've received. I am still due {$4200.00} and I will continue to file complaints until I receive my funds back and reach a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My Taxes were being mishandeled by my mortgage company and have not been paid from day one and I have Delinquent Taxes from 4 years now. I have raised a case with them on XX/XX/XXXX and I am still not getting any resolution and they are just escaping stating still filing for the right XXXX within their system.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello I cancel this account many years ago, apparently they never cancelled it and now we are over the statute of limitations for MI. I have not used this account since 2019.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
They did not transfer money into an account, tried to offer to give me the account assess, and then said they couldn't, then they suspended my new account after knowing I reported them to you guys this is then trakiatiolng agents me, harassing me, extorting my time, and attempting to steal all my money in the old closed account I reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought the car during the COVID pandemic era, made payments accordingly then I lost my business due to the pandemic, became disabeled and was no longer able to make payments, communicated with the bank but they didnt work with me then they charged off the account when I started making payments in XXXX and then the car was totaled in XXXX and my auto insurance company insurance company made a payment to chase auto, but they decided to continue reporting the account as open and late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENTRECOVERYSOi s falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSO 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 response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
An unknown number texted me, stating they were from the CPC. The text instructed me to pay a medical debt from a hospital I have never been to or been admitted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts reported on my Experian credit report : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$77.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00}

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
After paying the initial interim taxes on my property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX, Parcel # XXXX, to my mortgage holder, Truist Bank XXXX XXXX XXXX XXXXXXXX XXXX, Md XXXX, I discovered that they have failed to pay XXXX separate taxing authorities the taxes do on the property on their Mortgage # XXXX. I have repeatedly called and spoken with representatives of the XXXX XXXX Department at ( XXXX ) XXXX to get them to pay the taxes due on the property to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX with no result. 
I have faxed copies of late tax payment notices to them and have repeatedly requested someone from the bank to return my calls with no response. At present there is over {$7000.00} in the Escrow account which is sufficient to pay all of the taxes due even with the late assessments. I was advised last week by XXXX XXXX that they have already turned over the delinquent tax due on the property to XXXX XXXX at XXXX. I am greatly frustrated by the lack of action on Truist Bank after speaking to : XXXX ( twice ), XXXX, XXXX, XXXX and a supervisor named XXXX with no results.

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 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I paid {$16.00} on XX/XX/year>, using my XXXX  debit card for a XXXX order. The food was never delivered. The delivery was marked as completed in the XXXX app, but no delivery photo was taken, and the order never arrived in my building lobby. 

I contacted XXXX through their in-app support and offered to provide video footage showing the order was never delivered. XXXX refused to issue a refund and stated they could not connect me to a live agent. 

I filed a dispute with XXXX, who denied my claim, citing proof of delivery from XXXX. XXXX  also informed me that the case could only be reopened if I submitted camera footage. For a {$16.00} order, it is unreasonable to require me to obtain building footage. XXXX can not provide verifiable proof of delivery, and XXXX  has denied my dispute without sufficient evidence. 

I am requesting a full refund of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Money lion is trying to collect {$480.00} from 2019 which i never took out. I recently reached out to money lion multiple times asking to provide proof. Money lion kept dodging the question and repeatedly stated i owe this amount or i will have poor credit for the rest of my life. Strong choice of words for identity theft. Please help me

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I provided the information the company wanted in XX/XX/XXXX to show I was a victim of identity theft fraud & they removed the accounts now its XX/XX/XXXX and another company is reporting the same two accounts on my credit profile. So I called XXXX  and they told me to file a report with CFPB so we can block those accounts so whats Im doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because the XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ( Account no : XXXX ), with a balance of {$620.00}, is STILL showing on my Experian credit report and I am beyond fed up. I already disputed this exact collection account. I already filed a CFPB complaint. Yet somehow this same XXXX XXXX XXXX XXXX XXXX collection keeps reporting like nothing ever happened. That makes no sense. This collection account was reported without my authorization and should have been removed the first time I disputed it. Instead, TransUnion keeps allowing this XXXX XXXX collection to stay on my credit file. My disputes are being ignored, and no real investigation is being done. That is unacceptable. I am done going in circles. I want the XXXX XXXX XXXX XXXX XXXX {$620.00} collection account permanently deleted from my Experian credit report. Not updated. Not verified. Deleted and gone for good. I should not have to keep filing complaints just to get one obvious issue fixed. This has gone on long enough. Remove this collection account immediately and stop reporting it. I am not asking anymore.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
There is an auto loan account from Bridgecrest opened on XX/XX/year>, account # XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$16000.00} on my credit report that I did not open and do not know who did.

Company response to consumer: Closed with explanation