vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am filing this complaint against I C System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) and XXXX regarding XXXX collection of {$230.00} that appears on my TransUnion credit report and does not belong to me. This account is fraudulent or has been misattributed to me. XXXX has claimed this account belongs to me ; however, I am not " XXXX XXXX, '' and the service address associated with this account has never been linked to me in any way. I have no record of ever opening an account with XXXX at that address. Further, I was never provided a written notice of the debt before it appeared on my credit report, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send a validation notice within XXXX days of initial contact. This same collection previously appeared on my XXXX credit report. After I disputed it, XXXX investigated and removed it entirely confirming the account could not be verified as mine. Despite this outcome, I C System and/or XXXX have continued to report this item to XXXX. I have now submitted XXXX disputes to XXXX, all of which have been rejected. I am requesting that the CFPB investigate : XXXX. Why I C System and XXXX continue to report an account that Experian already removed after being unable to verify ; XXXX. Why I was never sent a debt validation notice prior to the collection appearing on my credit report ; XXXX. Why XXXX has repeatedly rejected my disputes without apparent regard for XXXX XXXX findings. I am requesting that this collection be removed from my XXXX credit report immediately and that I C System cease all collection activity related to this 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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> two unauthorized withdrawals were may from my chase checking account in the amounts of one thousand and eight hundred and sixty dollars. I provided proof that I was not near the location where the transactions were made at the time in the form of parking lot. Receipts, for my company vehicle with date and timestamps. Along with a purchase that I made the same day in the morning with the card. I also made it a police report and requested ATM footage to prove this transaction was not made by me, but my quest seems to have been denied. I was told the transactions were made with my debit card and pin number. So basically it had to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I sent {$150.00} through Chime to the account $ XXXX for what was presented as a rental application fee ( {$50.00} ) and holding fee ( {$100.00} ) requested by an individual named XXXX XXXX who claimed to be a landlord. After the payment was sent, the individual attempted to charge additional money just to view the apartment. I refused and requested a refund of the {$150.00}. The individual then refused to return the funds and blocked my phone number. I never viewed the apartment and no application was processed. I attempted to dispute or report the transaction through Chime but was unable to complete the dispute through the app. I believe the account $ XXXX may be being used to collect fraudulent payments related to rental listings. I have also filed a report with the FTC and reported the individual to housing authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I took out a loan to purchase a XXXX XXXX XXXX in XX/XX/XXXX. I paid off the loan in XXXX. Since then, I have not received the title and I have been unable to apply for an antique registration because I dont have the title. I filed a lost title claim with the State of Pennsylvania and they said that according to M & T Bank, the XXXX is still active. I have gone in-person and talked to over 20 people with M & T Bank to get this resolved and they have stalled the entire way.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX and XX/XX/XXXX, I inadvertently made a duplicate payment on my XXXX credit card. My legitimate balance was {$210.00}. I made two payments totaling over {$4800.00}, resulting in a net overpayment of {$2100.00} that Bank of America owed me as a refund. On XX/XX/XXXX, Bank of America issued a refund of {$2300.00} to my bank account {$210.00} more than the correct refund amount of {$2100.00}. This over-refund left my {$210.00} legitimate balance outstanding. Rather than simply notifying me that {$210.00} remained due, Bank of America applied a series of contradictory payment adjustments to my account between XX/XX/XXXX and XX/XX/XXXX, all referencing the same transaction ( Ref : XXXX ). Debits and credits of {$2100.00} were applied and reversed multiple times with no consistent resolution. I called customer service multiple times during this period and was repeatedly assured the issue was being handled. As a result of these errors, my account accrued a Finance Charge of {$4.00} ( XX/XX/XXXX ), a Late Payment Fee of {$29.00} ( XX/XX/XXXX ), and a Finance Charge of {$4.00} ( XX/XX/XXXX ), totaling {$38.00}. These fees are entirely the result of Bank of America 's mismanagement of my account. I have never disputed the {$210.00} I legitimately owe and am prepared to pay it immediately. I am requesting that Bank of America waive the {$38.00} in erroneous fees and confirm that no adverse information has been or will be reported to any credit bureau in connection with this matter.

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 monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I received a robotext sent without my prior express consent on XX/XX/year> at XXXX p.m. from a debt collector. I have had my current cell phone number for over XXXX years. I do not owe any debts or have any debts gone to collections. It is clear that this debt collector had purchased a time barred debt file with my cell phone number. I replied several times and received no reply indicating no human being had sent the robotext. The debt collector used an automated system to transmit a fishing expedition robotext to my cell phone number. The debt collector is Reliant Capital Solutions LLC located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX phone number XXXX. According to internet logs this company is a known violator of consumer protection laws dealing with debt collection and automated robocalls and robotexts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX filing this complaint against XXXX, XXXX regarding the improper disbursement of my home improvement loan funds and the resulting harm to my property and financial security. On XX/XX/year>, I signed a loan agreement with GoodLeap ( Loan ) for {$41000.00} at XXXX % APR to finance a home improvement project performed by XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX I have made every monthly payment of {$530.00} and am fully current on this loan. According to GoodLeap 's own loan documents specifically the Itemization of Amount Financed the full {$41000.00} was disbursed to " XXXX XXXX '' rather than to XXXX, XXXX XXXX XXXX. I was never informed of this arrangement. I never contracted with XXXX XXXX XXXX XXXX XXXX XXXX, never authorized payment to them, and was never told at the time of signing that my loan funds would be sent to any entity other than my XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is now completely unreachable. As a direct result of XXXX disbursing funds to this unreachable third party, XXXX filed a {$41000.00} Claim of Lien against my property, claiming they were never paid. I am now in the impossible position of making full loan payments to GoodLeap while simultaneously having an active lien on my home demanding the same {$41000.00} be paid again directly to the XXXX. This is causing serious XXXX and XXXX harm to a XXXX XXXX XXXX on a fixed income. GoodLeap 's decision to disburse funds to an unauthorized, now-unreachable third party without my knowledge or consent is the direct cause of this lien and the harm I am suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
There was a transaction of {$7000.00} on my bank account on XXXX XXXX, XXXX, and it was not made or authorized by me. I do not recognize the merchant CARDMEMBER SERV ELECT PYMT. I believe this is a fraudulent ACH debit from my account and request investigation and reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: GA

Complaint narrative:
I am filing this complaint because multiple fraudulent debts that was previously removed from my credit report has been improperly sold to and reported by a third-party collection agency. The account in question XXXX XXXX and JEFFERSON CAPITAL LLC was never opened or authorized by me. I previously disputed this account with the credit bureaus, and after investigation it was removed from my credit report due to fraud/identity theft. Despite this, the original creditor appears to have sold or transferred the alleged debt to a third-party collection agency, which has now placed the account back on my credit report. This is extremely concerning because the debt was already determined to be fraudulent. I have never entered into any agreement with this creditor or the collection agency. I did not authorize this account and have received no legitimate documentation proving that the debt belongs to me. Reporting or attempting to collect on a debt that resulted from identity theft is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), especially when the account has already been removed after a prior dispute. I am requesting the following resolution : Immediate deletion of this fraudulent account from my credit report with all credit bureaus Confirmation that this debt will not be sold, transferred, or reported again Written confirmation that the collection agency will cease all collection activity related to this account I also request that the original creditor investigate how this fraudulent account was allowed to be sold or transferred after it had already been disputed and removed. If this issue is not corrected, I will continue to pursue all available remedies to protect my credit and personal information. I appreciate your prompt investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
XX/XX/year> I tried to use my card to pay for prescription eyeglasses and it was declined. When I called to find out why I was first told that it was because two cards had been linked to my account due to one never having been received and needing a replacement. XX/XX/year> I called again and this time was told it was because the vendor showed up as a software company. XX/XX/year> I tried using my card to pay for prescription eyeglasses and it was declined. When I called to find out why I was told it was because I needed to turn on notifications in the event of a fraud alert and hadnt done that yet and to try again in two hours. XX/XX/year> I tried using my card at the optometrist to pay for my appointment and the card was declined. When I called to find out why I was told it was because someone had attempted to use the card on XXXX XXXX so it was locked. I was told it was unlocked for future use. A representative later said he had no idea why I would have been told that because he could see my card was never used there. On multiple previous occasions I tried using my card at the doctors office and at the Optum HSA store and all transactions were declined and I was given a different excuse every time but never once able to access my HSA. On XX/XX/year> the supervisor I spoke with said I have to pay out of pocket and then submit a reimbursement request as the only means to access my funds since every merchant comes up as a computer software company even at my physicians office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am writing to formally request the discharge of all student loans held by Nelnet due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. Also, Nelnet transitioned my student loans to Sloan Servicing XX/XX/year>. Nelnet continuously deceived me, diverting me from income-driven repayment options, which would have afforded me the opportunity to make payments that were potentially more affordable and eligible for eventual forgiveness. However, the company pressured me to enter determent or forbearance period, causing my loan balance to inflate due to capitalizing interest. This form of financial manipulation has led to years of monetary strain on myself as a single mother of a dependent. Additionally, at times Nelnet has a history of misreporting my payment status to credit agencies, severely damaging my credit score. Nelnets actions has significantly harmed me financially, caused mental and physical distress as I suffer from migraines and have prescription medication for anxiety that both are triggered by stress, and prolonged burden that could have been bypassed with integrity and proper guidance. As borrowers we rely heavily on Nelnets advice and honest direction to manage and monitor my student loans to be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On multiple dates, I provided this creditor with written XXXX notices, XXXX disputes, and explicit instructions to cease furnishing inaccurate information while the account was under investigation. Despite receiving these notices, the creditor continued to process unauthorized transactions, ignored statutory dispute obligations, and then escalated their misconduct by posting a chargeoff an internal accounting classification as if it were a legally valid determination of liability. This is knowingly false, misleading, and prohibited under federal law. A chargeoff is not a legal status. It is a XXXX reclassification. Reporting it as evidence of delinquency after receiving fraud notices and billingerror disputes is a direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s2 ( a ) ( duty to furnish accurate information ) and 1681s2 ( b ) ( duty to investigate and correct disputed information ). The creditor had actual knowledge that the account was disputed, unverifiable, and tied to unauthorized activity, yet they continued furnishing derogatory data to the credit bureaus. This is willful noncompliance. The creditor also failed to conduct a reasonable investigation as required by federal law. They did not request documentation, did not provide findings, did not correct the record, and did not cease negative furnishing during the dispute period. Instead, they XXXX the credit reporting system to pressure payment on an account that is XXXX, unresolved, and legally uncollectible until a proper investigation is completed. Their actions have caused ongoing credit harm, reputational damage, and interference with my ability to secure housing, insurance, and financial stability. This creditor has demonstrated a pattern of disregard for federal dispute procedures, consumer rights, and the accuracy requirements governing credit reporting. I am demanding immediate deletion of the chargeoff notation, removal of all derivative negative reporting, and confirmation that no further furnishing will occur unless and until the creditor can produce verifiable, authenticated evidence supporting the validity of the account which they have repeatedly failed to do. I request that the CFPB require full corrective action and evaluate this creditor for systemic noncompliance with FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing a complaint regarding and unauthorized electronic fund transfer from my Wells Fargo account. On XX/XX/XXXX, scammers obtained my debit card information and manipulated me into resetting my online banking password. Shortly after, the scammers gained access to my account using Wells Fargo emails and passcodes, and moved {$9800.00} internally from within my Wells Fargo account and then initiated and XXXX transfer to an external company. I did not authorize these transfers and did not intend to send money to this company or any third party. I went into my local branch the same day and the transfer was still pending and reported the fraud. Despite this immediate notification, Wells Fargo has denied reimbursement and informed me that I am responsible for the loss. Under the Electronic Fund Transfer Act and Regulation E, these transactions meet the definition of unauthorized electronic fund transfers. I did not initiate or authorize the transfers and I reported the incident well within the required timelines. My understanding is that consumer liability in such a case is limited and the bank must conduct a reasonable investigation. I was told 7-10 days for investigation. When I called the fraud department on day 7, I was told they had more questions before they could begin. I have not been contacted once by anyone since I submitted my claim. My concerns are : 1- Wells Fargo appears to be treating these transactions as authorized solely because scammers gained access to my account credentials through deception. 2- The transfers themselves were not authorized by me nor did I intend to pay the recipient. 3- I reported the fraud within hours and while the transaction was still pending. 4- Wells Fargo has refused reimbursement without adequately explaining how these transactions meet the definition of " authorized ''. I am requesting that Wells Fargo : -Re-investigates the case under Regulation E error resolution procedures -Provide documentation supporting their determination that the transfers were authorized -Reimburse the {$9800.00} unauthorized transfer if they can not demonstrate that I actually authorized the transfer. -

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 monetary relief