vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: SD

Complaint narrative:
This is a supplemental submission to my prior complaint regarding Monterey Financial Services, LLC and XXXX XXXX  XXXX XXXX ( XXXX ) The underlying account remains disputed due to fraudulent inducement, timely rescission, and failure of consideration. I formally placed Monterey Financial on written notice and provided supporting documentation, including : My original dispute and rescission demand I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), including the names of individuals contacted, the documents reviewed, and the method by which the investigation was conducted. To date, no substantive response has been provided addressing those statutory requirements. 
The creditors final written denial, which relies exclusively on undisclosed internal recordings, internal audits, and post-sale marketing examples dated XXXX XXXX XXXX years after the XX/XX/XXXX transaction. 

The creditor refuses to disclose the sales presentation recording while relying on it as evidence. Instead, they provided cherry-picked screenshots generated in XXXX using future travel dates. These materials do not constitute contemporaneous evidence of representations made at the time of sale. 

Monterey Financial continues to report the account despite : Active dispute Creditor refusal to disclose alleged verification materials XXXX on post-hoc examples rather than evidence from the time of sale Under 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation upon receiving notice of dispute. Verification that relies solely on undisclosed internal determinations or post-sale marketing comparisons fails to meet that statutory standard. 


I am preserving all rights, including arbitration and statutory remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Made order online XXXX & XXXX Noticed customers claiming fraud and scam on account so I had wrote merchant to cancel the order since the label was created, but no activity XXXX XXXX Still no response so I had disputed with my bank. They had credited me back the amount. 
XXXX I had got a reversal credit so I called in about whats going on. They claimed that there was no response but if I had proof Customer Service coached me through it. I sent over the proof of the cancellation and where the tracking was stating at that present time and still not sent out no tracking activity. Looking into the tracking, but Customer Service # on the phone took me to a site that claimed the information I gave was incorrect or invalid so the guy had reversed me over the credit again and saying I shouldnt have any more problems with it but they do give a 3-5 business days response for the merchant, but they will reach out to me if they need anything else XXXX XXXX I got a credit reversal I had called in. They claimed that they cant reopen the claim that the merchant had responded claiming that they will send out the product soon. I have brought up the 3-5 business days response and the difference from the time frames in between and they claim nothing could be done, but but They could send me the evidence of the merchant responding but that was it I said fine but either way the tracking information is invalid. Its still saying the same thing as of today. I still havent received anything and they still havent responded to 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 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I'm writing regarding the above-referenced account. I have received written confirmation dated XX/XX/year> stating that my payment obligations have been fulfilled and that there is no balance due. 

The letter also indicated that your company would request deletion of the trade-line from the credit bureaus approximately 30 days after the final payment. 

As the account may still be appearing on my credit report, I respectfully request that Jefferson Capital Systems : Confirm that deletion request be submitted to all credit bureaus reporting this account, and Expedited removal of trade-line if it has no yet been completed. 

I received an email with the simple response of " We are unable to identify your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been trying to pay my bills and buy groceries with my XXXX  account. And every time ai call they say theres nothing they can do I have to wait an hour buts its been 2 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I filed for federal bankruptcy protection on XX/XX/XXXX and amended on XX/XX/XXXX, XXXX XXXX. XXXX. 
An automatic stay is in effect under 11 U.S.C. 362, which prohibits all collection, foreclosure, and communication about collecting a debt. 

Despite this, Shellpoint has repeatedly violated federal law. 

Examples of violations : Sending post-petition mail related to collection Sending foreclosure-related materials after the bankruptcy was filed Allowing agents to come to my home, knock on my door ( including at night ), and take photos Failing to respond properly to my Qualified Written Request ( QWR ) Refusing to provide a full and correct accounting Continuing to report, publish, or support foreclosure activity Failing to acknowledge bankruptcy protections Causing severe emotional distress, fear, and anxiety I am preparing a motion for sanctions under 362 ( k ). These violations have continued even after creditors were informed. 

I am asking the CFPB to investigate Shellpoints conduct, failures in servicing, and its disregard of bankruptcy law and RESPA obligations.

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 2026-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed for federal bankruptcy protection on XX/XX/XXXX and amended on XX/XX/XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 
An automatic stay under 11 U.S.C. 362 immediately took effect, prohibiting any act to collect, enforce, modify, or demand payment on a debt.

Despite this, JPMorgan Chase Bank , N.A . sent me a notice after my bankruptcy filing stating that my monthly loan payment was being increased.

This communication violates federal bankruptcy law because : It attempts to collect a debt protected by the stay It attempts to modify loan terms during bankruptcy It pressures the debtor to pay more It was sent despite Chase being notified of the bankruptcy It caused stress, confusion, and fear that foreclosure would proceed Chase has not corrected this violation or provided any explanation.

I am requesting that the CFPB : Investigate Chases improper post-petition communication Require Chase to cease all collection and payment-related correspondence during bankruptcy Ensure Chases records correctly reflect the bankruptcy Determine why Chase sent a payment-increase letter during a federally protected automatic stay The original payment-increase letter is temporarily misplaced, but the attached documents reflect Chases payment-increase action during my bankruptcy and my written rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: LA

Complaint narrative:
IQ Data international place a debt on my credit report that believes to be fraudulent,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Block, Inc.
State: NY

Complaint narrative:
I discovered unauthorized charges on my Cash App card while I was asleep at approximately XXXX XXXX. There were eight fraudulent transactions made to XXXX. Two of the transactions were automatically canceled due to suspicious activity, but the remaining six were successfully processed.

My physical card has always remained in my possession and was never lost or stolen. I believe my XXXX account and/or stored payment information was compromised and used without my authorization. I did not make or approve any of these purchases. 

I immediately contacted both Cash App and XXXX to report the fraud and opened disputes with both companies. Cash App informed me the investigation may take up to 10 days.

By time cash app gets back to me its already gon na be expedited and delivered to the location in Florida and I have no control over that. I wan na ensure that I get my money back as I filed everything I possibly could from disputing with both companies, identitytheft.gov, and police report # XXXX. this is my last resort because I havent heard anything back from Cash app yet for the {$510.00} worth of fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am filing this complaint because Digital Federal Credit Union ( DCU ) has engaged in unfair and inaccurate reporting practices following my request to close my account. 
On XX/XX/year>, I formally initiated an account closure request via DCUs official customer portal after zeroing out my balance. 
DCU failed to finalize the closure and instead sent a response via an " encrypted link '' service. This message was automatically filtered as spam/phishing by my provider due to its insecure format, a known systemic failure in DCU 's communication process.

Despite my explicit election for Paperless Communication, DCU failed to send an electronic statement or email notification regarding a subsequent {$46.00} transaction that posted to the " pending closure '' account. Instead, they sent physical notices to a defunct XXXX XXXX address, despite knowing I had moved to the XXXX XXXX. This constitutes a failure to honor electronic disclosure agreements under the E-SIGN Act. 

Per CFPB Circular XXXX, keeping an account open to process debits after a closure requestresulting in negative reportingcan be an unfair practice. 

I have already remitted the ~ {$46.00} balance via certified mail as soon as I was made aware of this issue to show good faith.

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 2026-02-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I accidentally applied for the Chase Sapphire XXXX when I intended to apply for the Chase Sapphire Reserve. I called Chase the same day ( immediately ) to correct this. A representative told me they could cancel the application and upgrade my existing Chase Freedom XXXX to the Sapphire XXXX. I agreed, but was not informed that upgrading an existing card rather than applying for a new one means the customer does not receive the welcome bonus. I only discovered this after the call, while doing my own research. 

On XX/XX/year>, I called Chase again to explain the situation. A second representative acknowledged the error and told me they would cancel the Sapphire XXXX  and downgrade my Freedom XXXX  back to its original status, after which I could apply for the Sapphire Reserve as a new applicant in a few days. I followed these instructions. 

On XX/XX/year>, nothing had changed. I visited a Chase branch in person, where a banker told me a formal complaint needed to be filed because my application was not processing correctly. 

On XX/XX/year>, Chase customer service called me and I was told that because I had already applied for a Sapphire product, I am permanently ineligible to receive the Sapphire Reserve welcome bonus. I have never held a Sapphire Reserve and have never received any Sapphire Reserve welcome bonus. I was misled by two separate Chase representatives whose incorrect guidance directly caused this outcome. I am requesting Chase restore my eligibility for the Sapphire Reserve welcome bonus as a goodwill exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: TN

Complaint narrative:
CFPB : RE : XXXX XXXX XXXX XXXX CANDIDATE PRIVATE CHECKING ACCOUNT, CHASE XXXX XXXX CARD, PIN XXXX XXXXXXXX, FAILED TO ACTIVATE MY NEW VISA CHIP CARD. I PUT THESE FAMILAR DATE INTO THE KEYBOARD. NOW CHASE BANK OPERATORS ARE NOT ACCEPTING THIS CODE. DENYING MY USE OF MY MONEY. XXXX XXXX SEEMS TO BE THE CULPRIT, IN MY BANKING ISSUES. I SAW HIS AT DIFFERENT BANK IN XX/XX/XXXX, INSIDE THE XXXX XXXX XXXX XXXXXXXX XXXX, TENNESSEE AS THE BANK ROBBERS RAN TO THE XXXX  GETAWAY XXXX XXXX. XXXX I AM BLINDED, CRIPPLED FOR GETTING XXXX, RAN DOWN ON THE ROAD BY THE XXXX XXXX XXXX  ROBBERS. XXXX XXXX, IS SLANDERING ME, GETTING ME XXXX  BY NATURAL GAS, XXXX XXXX WITH XXXX XXXX XXXX, XXXX,, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ALL FROM XXXX, XXXX XXXX XXXX MURDERS OF XXXX XXXX CITIZENS, IN XXXX XXXX XXXX XXXX XXXX FURTHER, THE XXXX, XXXX XXXX XXXX XXXX ROBBED THE BANK. THEY ARE ROBBING ME. WHEN I MAIL ORDER ITEMS USING MY CHASE CARDS, I DO NOT GET MY ORDERS CORRECTLY OR AT ALL. 

XXXX HAS XXXX  HER FIRST BABY .AND IS NOW LIVING WITH XXXX XXXX XXXX XXXX IS NOT MY CHILD. THE XXXX STATE THEY ARE POISONING ME WITH PIPED NATURAL TO GAS TO XXXX  ME FOR XXXX XXXX AND XXXX. 

THE MONEY IN MY CHASE CHECKING AND SAVINGS ACCOUNTS IS MINE ALONE! THE XXXX XXXX XXXX  XXXX XXXX STALKED ME TO MY PERSONAL MEETING IN XXXX TN LAST WEEK WITH XXXX XXXX. 

I DO NOT ASSOCIATE WITH THE XXXX, XXXX, XXXX, XXXX NOR XXXX. THEY ARE TERRORISTS, XXXX XXXX, THE XX/XX/XXXX PLANE XXXX THAT BOMBED BOTH THE XXXX AND XXXX XXXX XXXX IN XXXX. 

I PLACED XXXX ORDERS FROM MY VISA CHIP CARD IN LAST XXXX  DAYS FROM XXXX. 
I NEED THE XXXX, XXXX, AND ELECTRIC SCOOTER I ORDERED. I CAN NOT GIVE MY POSSESSIONS NOR MONEY TO OTHERS! 

THE XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, BANK XXXX MUST BE DEPORTED. THEY ARE STALKING ME, IN MY ORDERS. THEY ARE NOT MY FRIENDS. THEY ARE A BURGLARY PROBLEM REPORTED EVERY DAY TO XXXX DEPORTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/25, I settled and paid this debt with XXXX XXXX XXXX. Resurgent Capital Services is trying to collect on the forgiven portion of my balance, even though I tried to explain to them and submitted proof that the account was considered paid and closed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please have your TransUnion FILE IDENTIFICATION NUMBER available. Your unique FILE IDENTIFICATION NUMBER is XXXX and is also located at the top of this page. 



I am writing to formally dispute inaccurate information reporting on my TransUnion credit file. The following account ( XXXX ) are inaccurate and must be investigated : Creditor Name : __________ Account Number : __________ Reason for Dispute : ( Not mine / Incorrect balance / Late payments inaccurate / Duplicate account / Paid but reporting unpaid / Identity theft / Other ) Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation and verify the accuracy of the disputed information within XXXX  days. 

If you can not properly verify this account, it must be deleted immediately. 

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report reflecting any changes.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been a Wells Fargo credit card customer for over XXXX years and have consistently paid my balances on time. 
In XX/XX/year>, I made a hotel reservation for approximately {$6000.00} for travel from XX/XX/year>. Due to my sons illness, I was forced to cancel the trip. Over {$3000.00} was refunded, but {$2000.00} was not refunded. After I contacted Wells Fargo, the {$2000.00} was credited back to my account. 
However, following communication between Wells Fargo and the hotel/XXXX, the credit was reversed and the {$2000.00} was charged back to my account. I was not properly informed of the outcome of the investigation before the reversal occurred. 
As a result, Wells Fargo has been charging interest on this {$2000.00} balance. Although I am making payments to avoid penalties and protect my credit, I am being charged ongoing interest on a disputed transaction. 
I contacted Wells Fargo in writing to request : A refund of all interest charged on the {$2000.00} balance. 
Suspension of further interest while the matter is under dispute. 
Clear written explanation of the investigation outcome. 
I have not received a meaningful response. 
I am requesting that Wells Fargo : Refund all interest charged on this disputed amount. 
Stop further interest accrual immediately. 
Provide written documentation explaining the investigation findings. 
Properly note the account as disputed to protect my credit. 
I am seeking a fair resolution consistent with my long history as a responsible customer.

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 2026-02-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
Company keeps harassing me and has been calling me daily including on weekends. I requested them to stop all communication attempts via phone, email. Company is still harassing me with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Three credit cards ( XXXX XXXX, XXXX XXXX and Capital One XXXXXXXX card were hacked beginning on or about XX/XX/year>. Various amounts including pizza purchases and a {$10000.00} money transfer on the Capital One card. 

Additional information provided by consumer : XXXX Consumer providing requested information. 
Company Name : Capital One Address : XXXX XXXX XXXX XXXX XXXXXXXX Utah XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
I filed for bankruptcy on XX/XX/year>, XXXX XXXX. XXXX, XXXX XXXX of California . 
The automatic stay under 11 U.S.C. 362 prohibits all foreclosure activity. 

Despite having notice of the bankruptcy, ZBS Law, XXXX continued foreclosure actions, including : Publishing and promoting a trustee sale Allowing property auction listings to remain active Sending post-petition foreclosure correspondence Causing property inspectors or agents to visit my home Allowing individuals to knock on my door ( including at night ) Allowing people to take photos of my property Sending new mailings after the bankruptcy was filed These actions caused fear, distress, and intimidation. 
They also violate : 11 U.S.C. 362 ( automatic stay ) RESPA dual-tracking restrictions California HBOR foreclosure protections I am preparing an emergency motion for sanctions in bankruptcy court. 
I am asking the CFPB to investigate ZBS Laws post-petition foreclosure conduct and require compliance with federal law. 

I can provide copies of mailings and incident reports upon request.

Company response to consumer: Closed with explanation