vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my accounts with JPMorgan Chase Bank. On XX/XX/2026, my debit card was stolen after individuals observed me entering my PIN at an ATM. They withdrew {$900.00} from an ATM ( Reference # XXXX ) and later made two withdrawals inside a Chase branch for {$3000.00} and {$6000.00} ( Reference # XXXX ), about 50 minutes apart. I did not authorize any of these transactions. I reported the theft and filed fraud claims with Chase, but they denied the claims, stating the correct PIN was used. I dispute this because the PIN was stolen and I never authorized the withdrawals. Additionally, the branch withdrawals were processed without the individuals providing identification. I request that Chase review branch security footage to confirm the transactions were unauthorized. I also filed a police report regarding this theft ( Report # XXXX ), which confirms that the transactions were unauthorized and provides additional official documentation of the fraud. Under the Electronic Fund Transfer Act and Regulation E, consumers are protected from unauthorized transactions when reported promptly. I request that Chase conduct a proper investigation, reimburse the {$9900.00} taken, and review its branch procedures to prevent this from happening again. Claim numbers for reference : ATM Withdrawal {$900.00} - Reference # XXXX Branch Withdrawals {$3000.00} and {$6000.00} - Reference # XXXX I appreciate the Consumer Financial Protection Bureau reviewing this matter and assisting in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital is trying to collect on a XXXX bill that is well over 5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bank with Chime and have been a customer for several years. Recently, I attempted to purchase a vehicle through XXXX. XXXX issued me two refunds. Because I was having difficulty receiving my funds, I disputed both transactions with Chime. For the first refund, Chime canceled the dispute. However, the second dispute remained open. I contacted Chime again and requested that it be closed on XX/XX/XXXX. Today, the merchant informed me that the dispute is still showing as active on their end, even though they already refunded the money. I contacted Chime again and was told the dispute would be closed at XXXX XXXX, and I received a {$1200.00} credit. However, XXXX has warned me that if this is not resolved immediately, they may send the balance to collections. I am actively working to improve my credit so I can purchase a home, and I do not want my credit damaged due to a bank processing issue. I have contacted Chime multiple times, spoken with several representatives, and have been disconnected on multiple occasions without a resolution. I have documentation of my calls, refund confirmations from the merchant, and records of the dispute. I am requesting immediate confirmation that the dispute is closed and that this matter will not negatively affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
1. Barclay lost my XXXX payment and 2. when they found it, they applied only a portion of the pymt and lowered my balance transfer balance accruing 0 % interest and raised my purchase balance accruing 25.24 %. 3. Charged me twice a fee in XXXX when they found pymt. 4. Instead of crediting me the payment, they returned a portion and added as a debit.5. I requested supervisor call me which they did 48 hours later and then call dropped and they never called back after working on these issues over four hours..

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of a bank impersonator scam on XXXX XXXX, XXXX. The caller spoofed my Wells Fargo checking account and instructed me to send a XXXX transfer 0f {$5000.00} to stop a fraud attempt on my account. These were induced transfers under social engineerings fraud. I need a XXXX recall or fraud claim and provisional credit.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 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: PA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Selene XXXX XXXX became the server after XXXX XXXX. They are authorized to electronically deduct my payment of {$1100.00} from my trust checking account. On the last payment date they took {$1200.00}. I had no prior notice or explanation. I was forced to file a dispute through my bank. My loan # is XXXX. In reading numerous complaints about this company I see where a common practice is to add a second homeowners policy. I was never notified of this move. My home has continually been insured with XXXX XXXX with no lapse in coverage. In fact Selene pays the premium from my monthly payment. I am XXXX on a fixed income and can not afford this additional payment. The current payment of {$1100.00} and each subsequent payment in that amount will be available as per our agreement. If Selene refuses to the agreed terms we had in place they can take their payment ( s ) at any time. However since they violate the terms of our agreement I do not feel compelled to pay associated late fees or pentalties and refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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 disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting associated with my account reported by Central Research , Inc. My account number is XXXX and my name is XXXX XXXX XXXX My underlying student loan account was current prior to XX/XX/XXXX. On XX/XX/XXXX, I contacted my loan servicer and requested a deferment/forbearance. Records of this request should exist in the servicing notes associated with the account. However, the request was not processed at that time due to a servicing or system error. Because the deferment request was not processed when it was originally submitted, the account was subsequently reported as delinquent, including 90 days late in XX/XX/XXXX and 120+ days late in XX/XX/XXXX. These delinquencies were reported to the credit bureaus even though a deferment request had already been submitted on XX/XX/XXXX. When I later realized the deferment had not been applied, I contacted the servicer again and the deferment/forbearance was eventually applied in XX/XX/XXXX. Despite this, the delinquency reporting tied to the earlier servicing error remains associated with the account now reported by Central Research , Inc . The internal account notes should confirm that my original deferment request was made on XX/XX/XXXX and that it was not processed due to a system or servicing error. My credit report should not reflect severe delinquency as a result of that pro

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
They keep sending me texts saying I owe a debt for XXXX XXXX XXXX XXXX when I dont. I have never lived in Texas. Keeping texting raising the debt prices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
XX/XX/XXXX I asked for the accounting associated with account and was told they would not provide it. And if I wanted that information I could file an objection of garnishment. XX/XX/XXXX I requested the conversation from XX/XX/XXXX and was told they do not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX because I needed access to my funds for an emergency. During that process, I followed steps discussed with XXXX support while trying to move or access my money. As part of that process, I mistakenly attempted to add a closed bank account that had actually been closed since XX/XX/XXXX. After that, XXXX restricted my account and blocked access to my funds of approximately {$3200.00} On XX/XX/XXXX, I explained to XXXX that the bank account was closed and had been added by mistake. I also explained that I already had a valid, open payment method associated with my account and that I was trying to resolve the issue, not commit fraud or misuse the account. Between XX/XX/XXXX, and XX/XX/XXXX, I repeatedly contacted XXXX and asked for clear instructions. XXXX representatives told me they needed proof that the closed account belonged to me and proof that it was closed. I worked to obtain that documentation from the financial institution connected to the closed account. On XX/XX/XXXX, I submitted the bank documentation XXXX requested showing that the account was closed and tied to me. Even after I submitted what they asked for, XXXX still did not clearly explain whether my documents were sufficient, whether anything else was required, or when my funds would be released. During my calls with XXXX on XX/XX/XXXX and XX/XX/XXXX, I was given inconsistent timelines. One representative told me I would receive a response within 24 to 48 hours, while another told me 3 to 5 business days. I also asked multiple times whether my file was complete, whether my case was only pending review, and what would happen next to my funds. I did not receive a clear answer. As of XX/XX/XXXX, my account remains restricted and my funds remain inaccessible. XXXX has not clearly stated whether my funds are under temporary review, reserve, or some other status. XXXX also has not clearly confirmed whether the documents I submitted on XX/XX/XXXX satisfy its requirement. I am seeking the following resolution : 1. A clear written explanation of the exact status of my account and funds 2. Confirmation of whether any additional documentation is required 3. Release of my funds if my submission is sufficient 4. If XXXX will not release the funds through the restricted setup, an alternative disbursement method to a valid, open payment method already on file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Since XXXX, I have been accruing reward points with the American Express XXXX XXXX card. The offer was {$100.00} travel credit for every {$7500.00} charged. They have now discontinued the card and settled the rewards with {$1500.00}, when I deserved {$2000.00} I accrued XXXX points and reward rate of XXXX. They notified me on XX/XX/XXXX that a new card was in the works and would take effect XXXX.I filed a complaint with AMEX, XXXX XXXX on XX/XX/XXXX with XXXX. In summation, I earned rewards according to their terms and they are ending the agreement and force me to spend travel dollars through the holiday season and the worst XXXX in decades in order to realize the agreement. I have accumulated those points over many years. Im due {$490.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was checking my accounts last night XXXX XXXX XX/XX/XXXX and noticed an odd check debit from my Chase XXXX Checking account. The check is check XXXX. I dont use paper checks. Today XX/XX/year> I have left my number for call back twice to Chase. The amount is {$160.00} and it's made out to XXXX. It does not have my signature it has AUTHORIZED BY YOUR DEPOSITOR. and it does not have a deposit signature on the back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Independence Capital Recovery, LLC
State: GA

Complaint narrative:
I RECEIVED A PHONE CALL STATING THAT I WAS BEING SUED BY INDEPENDENCE CAPITAL RECOVERY. I NEVER HEARD ANYTHING OR WAS PROVIDED DOCUMENTATION PROVIDING THAT I OWE THIS DEBT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - -US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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