vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding a debt collection agency identifying itself as Atlantic Recovery Solutions ( ARS ), attempting to collect on an alleged debt originally from XXXX XXXX.. On or about XX/XX/year>, I received the following unsolicited text message from ARS : This message is from ARS. It is urgent and time sensitive you call our office directly to discuss voluntary options regarding your pending case with XXXX scheduled to be filed against you This message raised several concerns : XXXX. Misleading Threat of XXXX XXXX The message implies that a lawsuit is scheduled to be filed, which I believe is a deceptive and misleading representation intended to pressure me into immediate payment. To my knowledge, no such legal action has been filed or formally served. 2. Failure to Provide Debt Validation When I contacted ARS, I explicitly requested validation of the debt. The representative stated that documentation would be emailed within XXXX minutes. I never received any validation or follow-up. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires XXXX to provide verification of a debt upon request. 3. Questionable Authority to Collect This debt was previously assigned or sold to XXXX XXXX XXXX XXXX, which is currently reporting the account as a collection on my credit report. ARS is not listed on my credit report, and I have not received any formal notice that they are authorized to collect on this account. XXXX. XXXX XXXX Practices ARS initiated contact via text message using urgent and threatening language. This method of communication, combined with the lack of proper identification and documentation, appears to be an attempt to intimidate or mislead. Requested Resolution : Require ARS to provide proper written validation of the alleged debt, including proof of their authority to collect. Cease all collection activity until such validation is provided. Investigate ARS for potential violations of the FDCPA, including misleading representations and failure to validate debts. Ensure that no legal action is falsely threatened without intent or legal basis. I am requesting that this matter be formally investigated and that appropriate action be taken to prevent further deceptive or unlawful collection practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I purchased my home in XXXX and fell behind on payments and applied for help with the mortgage company and fell behind again and applied for bankruptcy. I finished the bankruptcy and contacted the mortgage company because the balance didnt look right and they told me it was like that because the payments were put in the rear of the loan. I was XXXX about it and kept moving. I purchased another home in XXXX but still have the previous home and I received the new lender letter and noticed the maturity date of XXXX. The company was nationstar/ XXXX XXXX and now its rocket mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
I revoked XXXX transactions on my account in writing via email on XX/XX/year> effective immediately. Today, XX/XX/year>, a withdrawal of {$140.00} was made on my account by the creditor.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On a normal vacation trip to XXXX and attempted to withdraw money from ATM fraud alerted and card frozen for investigation which could take XXXX hrs. XXXX has continuously been frozen for the last year based on small charges at the facility I work at as well. XXXX department automatic detection system needs fixing as I needed money in an emergent situation and was unable to withdraw based on banks faulty system. I have banked with company over XXXX years and this is how XXXX repaid as an active veteran.

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 2026-03-19 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: NY

Complaint narrative:
CFPB Complaint ID : XXXX Date of Original Complaint : XX/XX/year> I am writing to amend my existing complaint against JPMorgan Chase Bank , N.A . to include additional violations discovered during this matter. SUMMARY OF VIOLATIONS : XXXX. REGULATION XXXX VIOLATION ( XXXX C.F.R. XXXX ) Chase failed to provide any written notice explaining the reason for withholding my credit balance refund of {$13000.00}. Under Regulation XXXX, financial institutions are required to provide written notice at the time of any hold, stating the specific reason and the date funds will be available. No such notice was ever provided. XXXX. XXXX VIOLATION ( XXXX5 U.S.C. 1666d ) I submitted a written request for a credit balance refund on XX/XX/year>. Under XXXX law, Chase was required to issue this refund within XXXX business days. Chase failed to comply with this deadline and only acted after I filed a formal CFPB complaint and sent a written demand letter approximately XXXX days past the legal deadline. XXXX. POTENTIAL DISCRIMINATORY TREATMENT ( ECOA 15 U.S.C. 1691 ) I am an XXXX American joint account holder. The account is held jointly with my spouse, XXXX XXXX XXXX. Chase repeatedly delayed action, provided no written explanation as required by law, deflected escalations with generic responses, and only released funds after regulatory intervention. I have reason to believe that the delay and lack of required written notice XXXX constitute discriminatory treatment based on race and national origin in violation of the Equal Credit Opportunity Act. Chase 's response after CFPB intervention confirmed they issued a check for {$13000.00} while withholding an additional {$260.00} pending a dispute that has not been adequately explained to us. REQUESTED RELIEF : - Full release of the remaining {$260.00} immediately upon dispute resolution - Written explanation of the dispute currently cited as justification for withholding {$260.00} - Investigation into whether Chase 's delay and lack of written notice constitutes a pattern of discriminatory treatment toward minority account holders- Appropriate regulatory penalties for Regulation XXXX and XXXX violations Account Information : - Account : Chase Sapphire XXXX ending XXXX - Joint Account Holders : XXXX XXXX and XXXX XXXX XXXX - Refund Requested : XX/XX/year> - Amount Withheld : {$13000.00} - Partial Refund Issued : {$13000.00} ( only after CFPB complaint filed ) - Still Withheld : {$260.00} XXXX respectfully request that the CFPB investigate this matter fully, including the potential discriminatory pattern of conduct. Respectfully, XXXX XXXX [ YOUR PHONE NUMBER ] [ YOUR EMAIL ADDRESS ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this official complaint against Bank of America regarding a massive fraudulent check scheme totaling {$36000.00}. An ex-employee, XXXX XXXX, embezzled funds by repeatedly depositing the exact same check numbers ( including XX/XX/XXXX XXXX, and XX/XX/XXXXXXXX ) while slightly altering dates and amounts. I discovered the most recent fraudulent activity on XX/XX/XXXX, and acted immediately by reporting it to the bank on XX/XX/XXXX. I have filed XXXX separate fraud claims ( Ref : Claim XX/XX/XXXXXXXX and Claim XX/XX/XXXXXXXX ), both of which were denied. The bank 's denial is based on the claim being " untimely '' under their XXXXday reporting policy. However, this ignores XXXX critical points : XXXX. Failure to Indemnify Timely Reported Items : Even strictly applying the bank 's XXXXday rule, at least XXXX fraudulent transactions occurred between XX/XX/XXXX, and XX/XX/XXXX ( totaling {$11000.00} ). These were reported on XX/XX/XXXX, which is well within theXX/XX/XXXXday window. The banks blanket denial of these specific, timely reported items is a direct violation of their own deposit agreement. XXXX. Lack of Ordinary Care ( XXXX XXXX ) : The bank failed to exercise " Ordinary Care '' by allowing the exact same check numbers to be processed and paid dozens of times. This systemic failure in their automated duplicate detection is a gross display of negligence. I have provided a formal police report, but the bank refuses to take responsibility for their technical failures. I am requesting a full re-investigation and a total reimbursement of {$36000.00}

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
This complaint involves a financed consumer product ( XXXX XXXX XXXX ) through Preferred Credit that is defective and subject to an ongoing dispute. The system has had issues including leakage and failure to perform as represented, and the terms of the sale were misrepresented. A dispute was raised with the creditor prior to any collection activity. Despite this, the account was reported to credit bureaus as a collection account without proper validation. I have not received any communication or validation notice from the alleged collection agency, despite the account appearing on my credit report. Preferred Credit continues to contact me directly regarding the account while it is disputed and while it is being reported as a collection. I have requested validation of the debt and raised concerns regarding the defective product and underlying transaction. However, the account continues to be reported and treated as valid without proper investigation or documentation. Additionally, this matter impacts the household of an active-duty servicemember ( AGR status ), and military obligations materially affect our ability to manage and respond to this situation. This raises concerns regarding improper collection activity, failure to validate the debt, and inaccurate or premature credit reporting. I am requesting : Verification and validation of the debt Identification of the collection agency and proof of assignment Investigation into the credit reporting of this account Correction or removal of any inaccurate or improperly reported information This account remains formally disputed, and collection or reporting activity should not continue without proper validation and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX, and I am writing as a XXXX Wells Fargo XXXX XXXX a small business owner, a grandmother, and a longtime member of my community who is devastated by how Wells Fargo has XXXX a serious fraud loss from my business account. I own a local soul food food truck that helps support my family and grandchildren. The approximately {$7000.00} stolen from my Wells Fargo business account was not extra money, it was my business operating capital, and losing it has put me in a position where I have had to consider borrowing money just to keep my business open. What makes this matter especially troubling is that this was not an obvious scam. I received XXXX calls from an individual claiming to be from the Wells Fargo XXXX Department, telling me someone in XXXX was trying to access my account. I then received a text message that appeared in the exact same Wells Fargo text thread where I have received legitimate Wells Fargo messages for the last XXXX years. The message looked identical to XXXX XXXX normal fraud alerts and security verification process. Even earlier the same week I called Wells Fargo to change my password, communications still appeared in that same thread. To be clear : The fraudulent text appeared in my real, longstanding Wells Fargo text thread The communication looked exactly like prior authentic Wells Fargo fraud/security messages I did not knowingly authorize anyone to take my money I was relying on what appeared to be Wells Fargos XXXX XXXX department and secure verification system Shortly after, approximately {$7000.00} was debited from my business account. I reported this immediately, expecting Wells Fargo to protect a loyal customer who was clearly deceived through what appeared to be XXXX XXXX own communication channel. Instead, I was met with rude and dismissive customer service, told there was nothing they could do, and informed the investigation would take XXXX days, only for Wells Fargo to deny the claim in about XXXX days with no meaningful explanation. That is unacceptable. I have banked with Wells Fargo for XXXX years. I trusted your systems. I trusted your fraud alerts. I trusted the exact text thread Wells Fargo has used to communicate with me for years. I am heartbroken that after all that time, Wells Fargo has effectively turned its back on me after a sophisticated fraud that appears to have exploited or impersonated your own trusted communication process through an obvious breach and or hacking of the 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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
The bank closed my account and not giving me any information on why it was closed and they kept my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
I received a letter from the department of education stating my student loans had been XXXX through the borrowers defense for the amount of {$98000.00} in XXXX of XXXX. The letter stated that my credit report would reflect in XXXX months. Its been over a year and its still on my report. I contacted MOHELA and was told its still pending, I offered to send them a copy of the letter they refused it and I still get payment statements, its still collecting interest and affecting my debt to income ratio/ I need to take more classes to get my state license but I cant until I can get a loan. I am loosing a lot of income not being able to get licensed and its causing a financial hardship

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: IL

Complaint narrative:
I became aware of a debt collection when it appeared on my credit report in XXXX. After it appeared I tried contacting XXXX XXXX to see if I had an account open with them. I did not. I then went to the store and they said it was an old account I had with them but they could not access the invoice to provide proof of debt. I was then transferred to their debt collections department and told I would revieve proof of the debt via email. I never revieved proof. I then contacted the debt collection company via certified mail asking for proof of the debt, proof of previous communication, proof of account owner, all invoices relating to the debt, and how they attained the debt. I never got a response to that either. I have no way to even pay the debt. I have no evidence that it is legitimate and no way to correct the situation if it is. Attached are the files of proof I have of my actions. I have no proof from XXXX XXXX since the wouldn't send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverified information being reported on my consumer credit file by the above-referenced collection agency. I dispute the validity of this alleged debt. Despite prior notice of my dispute, the collection agency has continued to report this account without providing sufficient verification as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, furnishers of information to consumer reporting agencies are required to report accurate and complete information. Additionally, upon receiving notice of a dispute, they must conduct a reasonable investigation and correct or delete any information found to be inaccurate, incomplete, or unverifiable. Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, a debt collector must provide proper validation of the debt upon request. To date, I have not received adequate documentation establishing : The original creditor The full amount of the alleged debt Proof that I am legally obligated to pay this debt Verification that the collector has the authority to collect on this account The continued reporting of this account without proper validation constitutes the reporting of unverified and potentially inaccurate information, which is a violation of federal law. As a result, I am requesting the following : Immediate deletion of this account from all credit reporting agencies A full investigation into the reporting practices of this collection agency Written confirmation that this matter has been resolved If the collection agency can not provide proper validation and documentation as required by law, they must cease reporting this account and remove it entirely from my credit profile. I expect this matter to be handled promptly in accordance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am reporting unauthorized debit card transactions totaling {$1500.00} on my checking account with Navy Federal Credit Union. My debit card was in my possession at all times, and I did not authorize or participate in these transactions. The charges were completed using XXXX XXXX without my knowledge or consent. On the date of the incident, I received a security verification code from Navy Federal Credit Union stating that someone was attempting to access my account. I was not attempting to log in or add my card to any device, and I did not provide this code to anyone. This indicates that an unauthorized person attempted to access my account. I immediately reported the transactions as fraud. However, XXXX XXXX denied my claim, stating that I authorized or participated in the activity. I strongly dispute this determination. These transactions are not consistent with my normal account activity and occurred without my permission. I did not receive any goods or benefit from these charges. I am requesting that Navy Federal Credit Union conduct a proper investigation, provide the documentation used to deny my claim ( including device and verification details ), and reimburse the {$1500.00} taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverified information being reported on my consumer credit file by the above-referenced collection agency. I dispute the validity of this alleged debt. Despite prior notice of my dispute, the collection agency has continued to report this account without providing sufficient verification as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, furnishers of information to consumer reporting agencies are required to report accurate and complete information. Additionally, upon receiving notice of a dispute, they must conduct a reasonable investigation and correct or delete any information found to be inaccurate, incomplete, or unverifiable. Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, a debt collector must provide proper validation of the debt upon request. To date, I have not received adequate documentation establishing : - The original creditor - The full amount of the alleged debt - Proof that I am legally obligated to pay this debt - Verification that the collector has the authority to collect on this account The continued reporting of this account without proper validation constitutes the reporting of unverified and potentially inaccurate information, which is a violation of federal law. As a result, I am requesting the following : XXXX. Immediate deletion of this account from all credit reporting agencies XXXX. A full investigation into the reporting practices of this collection agency XXXX. Written confirmation that this matter has been resolved If the collection agency can not provide proper validation and documentation as required by law, they must cease reporting this account and remove it entirely from my credit profile. I expect this matter to be handled promptly in accordance with applicable consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation