vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I attempted to open an account and transfer my cellular service from my existing provider to XXXX XXXX. The porting process never successfully completed and for five days I had intermittent service, missed phone calls/text messages, and cellular data was not fully functional. After that five days I contacted XXXX to cancel my service and close the account. I was told at that time I would not be responsible for any charges as the account and service was never fully setup and functioning properly. I didn't even have access to sign up for an online account yet and did not have any ability to view account details. Shortly after closing the account I received a bill from XXXX. I was told by a representative then that the charges would be dropped and I would not be responsible for any charges for the five days the account was partially open and not fully functional. In XX/XX/XXXX it came to my attention that this account had been sent to collections and reported to the credit agencies. I contacted XXXX support multiple times and representatives told me every time, with supervisor approval, that the charges would be dropped. I am then sent back and forth between them, XXXXXXXX XXXX XXXX department, and the collections agency. Both organizations claim they can not make changes to the account. I have made a formal dispute claim, but XXXX representatives continue to tell me they either can not change the account status or someone else has to do it. Every represtatntive that reviews my account sees remarks that say the charges should have been dropped at the time of account closing. This is continuing to hurt my credit and cause extreme stress as XXXX is manipulating the situation in order to get me to pay charges I am not responsible for. The company refuses to provide me with written documentation of my calls or any remarks made to the account.

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 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
This account is fraudulent and does not belong to me. I did not open or authorize any account with XXXX XXXX XXXX XXXX. Please remove immediately and investigate as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
background : A scam company calling it XXXX XXXX got my American Express card number by posing as a XXXX agent. In my previous compliant with cfpb, they had charged {$1100.00} on the card and AMEX initially resolved my dispute in their favor ( and, presumably keeping them as a trusted vendor ). After cfpb got involved Amex eventually reversed the charge. There were many layers to this scam. They would make payments to XXXX with stolen credit cards to cover their tracks. In my case, once the theft was exposed they attempted to pay my XXXX policy with someone elses card. I alerted XXXX to this and i thought we were done. On XX/XX/XXXX two charges appeared on my account for {$220.00} and {$190.00} paid to XXXX XXXX. I reached out to XXXX and they confirmed that those charges were not applied to my policy. The XXXX rep said that when AMEX investigates they ( XXXX ) will tell them the charge is not applied to the card-holders policy. I disputed the charge with AMEX. They have closed the dispute and determined that i am responsible for the charge. They seem uninterested in addressing the fraud. I have since reported the card lost. Attached screenshot of my AMEX charges, One legitimate charge {$460.00} to XXXX for my auto insurance. The other two XXXX charges were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX sold the assets in my brokerage account without my permission. They claim they attempted to contact to confirm my information and those requests were not received by either me or my joint account owner. The assets were sold without a good faith attempt to contact. On XX/XX/XXXX, we contacted the bank and they stated they would restore the assets. On XX/XX/XXXX, we contacted the bank and they stated they would not restore the assets.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed a debt with Resurgent Capital Services/ LVNV Funding LLC. They failed to provide proper validation and continue to report the account. They only provided a generic agreement and an account summary, which does not prove I owe this debt. They have not provided a signed contract, account-level chain of title, or documentation from the original creditor. Despite multiple disputes, they continue to report inaccurate and unverified information. I am requesting immediate deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-20 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: MD

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing a formal complaint regarding a debt collection agency ( Resurgent Capital Services ) attempting to collect a debt that has not been properly verified and is not proven to belong to me. The account in question is listed under my maiden name. I have formally disputed this debt multiple times in writing and specifically requested documentation proving that I am the individual responsible for this account. Despite my repeated requests, the collection agency has failed to provide any meaningful verification. They continue to send only a final billing statement from the original creditor. This does not constitute proof that I opened, used, or am legally responsible for this account, nor does it establish any connection between my current legal identity and the account under my maiden name. I have clearly requested : A signed agreement or application Full account transaction history Documentation linking my identity to the account These requests have been ignored. The collection agency continues attempting to collect on this account without providing adequate verification and may also be reporting this unverified debt to credit reporting agencies. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are attempting to collect a disputed debt without proper validation and potentially reporting inaccurate or unverified information. I am requesting the following resolution : The collection agency must provide proper documentation proving I am responsible for this debt, OR Immediately cease all collection efforts Remove this account from all credit reporting agencies Provide written confirmation that this account has been closed I expect this matter to be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding M & T Banks failure to properly handle a reported fraudulent wire transfer and the resulting financial harm to me. I reported a fraudulent wire transfer from my account of {$5000.00}. This matter was also documented with my local police department. Despite timely notification, M & T Bank failed to take appropriate action to recall the wire transfer or escalate the matter in a way that could have resulted in recovery of the funds. As a result of the banks inaction, the recipient was able to withdraw and overdraft additional funds, and my account was ultimately closed without resolving the fraud claim. This reflects a serious failure in the banks fraud response and dispute resolution procedures. I dispute any liability for the balance associated with this account. Furthermore, I assert that M & T Banks failure to act directly contributed to my financial loss. Based on this, I am seeking a credit in the amount of {$2600.00}. This matter has since been referred to a third-party collection agency, XXXX XXXX XXXX XXXX XXXX XXXX and I have formally disputed the debt. It is improper for a balance resulting from unresolved fraud to be sent to collections. Issue a credit in the amount of {$2600.00} Correct any negative credit reporting related to collections of {$2300.00} I request a prompt and thorough response to resolve this issue.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
Unauthorized Merchant Pulls and Cross-Account Data Migration Breach. XX/XX/XXXX : I authorized a monthly subscription on my primary Google account for {$19.00} ( Order : XXXX ). XX/XX/XXXX : I officially cancelled this subscription. I received confirmation from Google that authorization for this service ended on this date. XX/XX/XXXX : Exactly one month after the cancellation, Googles billing system spontaneously created a NEW, unauthorized subscription on a different account ( XXXX ) using my stored payment method from the first account. I never added my payment card to this second account. Nature of Error : Not only was the account changed without consent, but the billing frequency was also changed from $ XXXX to an unauthorized $ XXXX. This resulted in nearly {$630.00} in unauthorized charges over the following year. Company Action : Despite providing the specific order numbers and the cancellation receipt, Google Support ( XXXX XXXX ) refused a refund, claiming " no trace of fraudulent activity '' despite their own records showing the card migration and the cancellation date. They have failed to explain how my financial data was shared between two separate account profiles.

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 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am disputing the reported balance on my federal student loan account due to a discrepancy between my loan servicer and the U.S. Department of Education. My account with MOHELA reflects a balance of {$12000.00} while StudentAid.gov shows a balance of {$4000.00}. These amounts should match, as both are reporting on the same federal student loan. Additionally, a portion of my loan has been XXXX, and it appears this adjustment is not being accurately reflected across all reporting systems. I am requesting a full review and correction of my account balance, including proper application of any discharges and updates to all credit reporting agencies. Please provide documentation showing how the current balance was calculated and ensure that all systems reflect the accurate amount.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an incorrect {$15.00} late fee added to my account for XXXX based on an ACH payment that initially did not go through on XX/XX/XXXX. The payment did not process at first, but I manually paid it myself so it was still on time. I did not receive proper notification or clear resolution guidance before the fee was applied. Despite the situation being related to a failed or delayed ACH transaction, the company added a {$15.00} fee and is now claiming I owe an additional {$40.00} for the month of XXXX. I paid the XXXX for XXXX and it still states I owe XXXX which I do not considering everything was still paid on time! I have attempted to resolve this directly with the company, but the issue was not properly addressed and my concerns were dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint to dispute the reporting and collection of an alleged debt by Portfolio Recovery Associates. This company is reporting an account on my credit report ; however, they have failed to provide sufficient documentation to verify the accuracy and completeness of the information being reported. Specifically, Portfolio Recovery Associates has not provided : A complete chain of ownership of the alleged debt from the original creditor to their company A copy of the original agreement bearing my signature A full and accurate accounting of the balance, including how the amount was calculated I am aware that debt buyers may report accounts ; however, under the Fair Credit Reporting Act, all information reported must be accurate, complete, and fully verifiable. To date, no documentation has been provided that meets this standard. Additionally, I am concerned that this account is being reported without a reasonable investigation into its accuracy. Simply confirming the account internally does not meet the legal requirements for verification. Because Portfolio Recovery Associates has failed to provide adequate verification, I dispute the accuracy of this account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw chase from my checking account and received an insufficient funds message. I looked and saw I had less than {$2000.00} combined in my checking and savings accounts. I reviewed my accounts and found 12 ATM transactions, over a 2 day period, that I did not do, totaling {$5000.00}. It was a total of {$2000.00} from my checking and {$3000.00} from my savings. When I reported the transactions I was informed that they were all done with XXXX XXXX, and with the correct pin. All of the transactions were done at my regular banking location ( by my house ). When originally filing the claim, I had forgotten that I temporarily lost my Debit card on XX/XX/XXXX. I " locked '' my card that day. I dropped it on a high schoolcampus and it was returned to me the next day, XX/XX/XXXX, around XXXX, at which point I reactivated my card. I have obtained the ATM terminal IDs, times and amounts for all transactions from Chase. Chase said they will not reference any ATM footage to prove it was not me, or someone I gave my information to. I have spoken to Chase several times, with my claim being denied twice and had a manager call me back and inform me myonly recourse is to file a police report and have the police subpoena the videos and they can find the person ( s ) who got the money and prove I do not know them. On XX/XX/XXXX a report was made to the XXXX XXXX XXXX XXXX XXXX Department with Sheriff XXXX. Case # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.Detective XXXX XXXX has this case. On XX/XX/XXXX I submitted a complaint with the FBI, on the IC3 website. The ATM terminal IDs, dates, amounts and times of transactions : XX/XX/XXXX : Terminal ID XXXX XXXX ( to the right of the entrance when facing the bank ) : {$300.00} at XXXX XXXX, {$300.00} at XXXXXXXX XXXX, {$300.00} at XXXXXXXX XXXX, and {$100.00} at XXXX XXXX. ( all from checking account ) XX/XX/XXXX : Terminal ID XXXX XXXX ( to the Left of the entrance when facing the bank ) : {$300.00} at XXXX (? ) XXXX, {$300.00} at XXXX XXXX, {$300.00} at XXXX XXXX, and {$100.00} at XXXX XXXX. ( all from checking account ) Terminal ID XXXX ( ATM inside the bank ) : {$300.00} at XXXXXXXX XXXX, {$1000.00} at XXXXXXXX XXXX, {$1000.00} at XXXXXXXX XXXX, and {$700.00} at XXXXXXXX XXXX ( all from savings account ) Total amount taken : {$5000.00} The last time I spoke to a representative at XXXX I stated that by denying my claim, and sating that they have no reason to think that it was not me or someone I provided access to my account, that they were stating that my claim was in fact fraudulent. If that is the case I asked them to prove it was me. The response provided was " We do not do that. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I obtained a solar loan through Solar Mosaic, LLC to finance a solar system installed by XXXX XXXXXXXX XXXX XXXX at my home. The total loan amount was {$49000.00} for an XXXX XXXX XXXX. The installers contract included a written money-back energy production guarantee promising XXXXXXXX XXXX of production in the first year, a 25-year system warranty, and repair obligations. The system has not delivered the promised energy savings or production levels. On XX/XX/XXXX, XXXX XXXX filed for XXXX XXXXXXXX bankruptcy, making it permanently unable to honor its 25-year warranty, money-back production guarantee, or any repair obligations. Solar Mosaic is listed as XXXXXXXX XXXX largest creditor with approximately {$120.00} million owed, demonstrating their close financial relationship. Additionally, XXXX XXXX salesperson told me purchasing this system would entitle me to a federal tax credit worth approximately {$12000.00} ( 26 % of the contract price under IRS Section 25D ), but failed to explain I needed to file IRS Form 5695 to claim it. As a result I permanently lost this tax benefit. I am asserting my rights under the FTC Holder Rule ( 16 C.F.R. Part 433 ) and have sent a formal dispute letter to Solar Mosaic via USPS Certified Mail. I am requesting suspension of loan payments, cancellation or reduction of the loan balance, and removal of the UCC lien ( No. XXXX ) on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint against JPMorgan Chase Bank regarding the unexpected closure of my business account. On or about XX/XX/year> my business account was closed without prior notice or a clear explanation. I did not receive any warning, request for documentation, or opportunity to resolve any potential issue before the account was shut down. At the time of closure, the account was being used for legitimate business transactions. After the closure, I [ lost access to funds/ experienced a hold on funds/ had transactions declined explain what actually happened ]. The amount impacted was approximately {$100.00} I contacted Chase on XXXX via phone/branch/online support, but representatives were unable or unwilling to provide a specific reason for the closure, only stating it was a business decision. This situation has caused significant disruption to my business, including missed payments, inability to operate, returned transactions, reputational harm.

Company response to consumer: Closed with explanation