vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I received a phone call originating from ( XXXX ) XXXX, a number with no public registration or known business association. The caller used deceptive tactics by framing the call as " important news '' in a prize-like manner to bait me into confirming my identity before disclosing the true nature of the call. The caller did not identify themselves as a debt collector at the outset of the call as required by law. After I confirmed my identity under false pretenses, the call was transferred to Collection Receivables , Inc. ( CRI ) via their published business number ( XXXX ) XXXX, at which point the caller revealed they were attempting to collect an alleged debt of {$590.00}. The use of a separate unregistered number for the deceptive portion of the call, followed by a transfer to XXXX 's published line, suggests a deliberate and structured practice of using unidentified lines to obscure the true nature of initial contact. When I confronted the representative about this deceptive tactic and requested to speak with their legal department, the agent became combative and uncooperative and refused my request. On the same date, I sent XXXX a formal Cease & Desist and Demand for Preservation of Evidence via certified mail with return receipt, email, and fax. I am formally disputing this alleged debt in its entirety. I believe XXXX violated 15 U.S.C. 1692e, 1692e ( 10 ), and 1692e ( 11 ) of the FDCPA by using false and deceptive means to obtain my identity confirmation before disclosing the nature of the call, by failing to identify themselves as a debt collector at the outset of communication, and by employing a structured two-number system designed to obscure the deceptive nature of initial contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have joint account in Chase bank my wife she is on XXXX XXXX and her driver license expired and she wont be able to renew her driver license until she get her green card. We have a receipt from you. I XXXX office for a green card in the process and I am a citizen and Chase bank unlawful restricted the account and preventing us from using the money in their account because they said the driver license was expired. We feel this is unlawful action to restrict a bank account because a driver license was expired and they refuses to recognize the passport of my wife or the USCIS receipt for the green card under the work permit as approve. They treated her as he dont have ID not as a person with expired driver license having expired driver license is different than dont have a driver license at all and I would like to complain Chase bank because that was unlawful restriction. We called them several times on the phone. They keep hanging up. They say it is a process. We can not do anything about it and we have to wait two or three days to unlock the account. This is extremely affecting our personal life because we dont have access to our own money in the account for no reason our money been held with Chase bank unlawfully, and they are preventing us from accessing those money we would like to complain this action by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This complaint is a follow-up to my prior CFPB complaint # XXXX, which was closed without full resolution. Aidvantage responded with a narrative letter dated XX/XX/XXXX ( signed by XXXX XXXX XXXX, XXXX XXXX ), outlining general deferment and forbearance periods. However, the response did not provide the borrower-specific interest calculations necessary for me to verify the accuracy of my unpaid interest. Specifically, Aidvantage has still not disclosed : The exact principal and unpaid interest balances transferred from XXXX on XX/XX/XXXX The specific date ranges during which XXXX-calculated interest accrued The daily interest amount applied during each accrual period The principal balance used during each accrual period A loan-by-loan reconciliation showing how : Loan XXXX increased from {$330.00} ( at transfer ) to {$410.00} Loan XXXX increased from {$270.00} ( at transfer ) to {$380.00} The companys response restated the general simple daily interest formula but did not provide the actual inputs used ( principal, rate, number of days, and total interest per period ). Without these calculation details, I can not verify whether the interest was accurately transferred or properly assessed. I have followed up in writing since XX/XX/XXXX and have not received a response from XXXX XXXX XXXX, XXXX XXXX. XXXX confirmed to me that all archived loan and interest data were transferred to Aidvantage. I no longer have access to XXXX records, so Aidvantage is the only entity capable of providing a full accounting. This issue remains unresolved because Aidvantage has not provided : - A loan-by-loan interest reconciliation showing start date, end date, principal used, daily interest amount, and total interest accrued per period ; - Documentation of the exact balances transmitted from XXXX ; - A mathematical explanation of how the current unpaid interest totals were calculated. I am requesting a complete accounting of interest accrual sufficient to independently verify the accuracy of my loan balances. A fair resolution would be for Aidvantage to provide a detailed interest reconciliation for each loan and correct the account if any miscalculation is identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am filing this complaint because InComm XXXX XXXX XXXX has placed an indefinite hold on six ( 6 ) of my prepaid Visa and XXXX debit cards, effectively denying me access to my funds for over 14 months. Starting in XX/XX/XXXX, all six cards transitioned to a " Status : ON HOLD '' state with the message, " Your card can not be used at this time. '' Since that date, I have contacted InComm XXXX XXXX customer support multiple times to resolve this issue. During every interaction, I was informed that my case has been escalated. On every occasion, the customer service representative promised that an agent would contact me within two business days to resolve the hold. Despite these repeated assurances, I have never received a phone call, email, or any form of communication from InComms specialized team. As of XX/XX/XXXX, the funds remain inaccessible. InComm has failed to provide a reason for the hold, failed to provide a timeline for resolution, and failed to follow through on their own internal escalation procedures. They are holding my balance indefinitely without a valid explanation or a path to reclaim my funds. Dates, amounts, and actions taken : XX/XX/XXXX : Discovered all six cards were placed on " ON HOLD '' status. XX/XX/XXXX XX/XX/XXXX : Conducted multiple follow-up calls to InComm XXXX XXXX XXXX XXXX. Company Actions : InComm representatives consistently acknowledged the hold but stated they did not have the authority to lift it. They repeatedly promised 48-hour callbacks that never occurred. My Actions : I have maintained the physical cards and followed all instructions provided by the frontline phone agents, yet the company remains unresponsive. Total Amount : {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Subject : Debt Validation Request To Whom It May Concern, I am responding to your recent contact regarding an alleged debt. Under the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor The amount of the alleged debt, including any fees or interest Copies of any documents showing I agreed to or am responsible for this debt Proof that your agency is authorized to collect this debt Until this information is provided, I request that all collection activities cease. Thank you for your attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Sezzle Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding my account with Sezzle and its handling of my request for review under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I was an active-duty servicemember during the relevant period and experienced documented military pay disruptions during initial training that temporarily affected my ability to make scheduled installment payments on my Sezzle account. These disruptions were related to military administrative pay issues. Once my military pay was restored, I promptly brought all outstanding balances on my account current. I do not dispute the underlying obligations and no principal balance remains unpaid. On XX/XX/year>, I contacted Sezzle through its support system and formally placed the company on notice of my SCRA rights. I explained that my military service had materially affected my ability to make payments during the period of pay disruption and requested written confirmation that my account had been reviewed for compliance with the SCRA. I also requested a complete accounting of any fees or penalties that were assessed during the period of covered military service and clarification as to whether any fees had been reviewed or adjusted pursuant to SCRA compliance procedures. Sezzle later responded by stating that payment installments for Buy Now, Pay Later companies like Sezzle do not fall under SCRA protections because the company does not charge interest. The response also stated that if an installment payment fails, the company may charge failed payment fees or late payment fees, and that once a fee has been charged it can not be reversed. The companys response did not provide the accounting I requested and did not confirm whether my account had been reviewed for SCRA compliance. It also did not indicate that any individualized analysis was conducted regarding whether my military service materially affected my ability to meet the payment obligation during the period of pay disruption. I am requesting that Sezzle provide written confirmation that my account has been reviewed for SCRA compliance, provide a complete accounting of all fees assessed during the period of covered military service, and review whether any fees assessed during the period in which my military pay disruption occurred should be corrected or adjusted under applicable federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans were taken out to attend TXXXX XXXX XXXX XXXX XXXXXXXX from XXXX. These loans were originally issued through XXXX XXXX and are now serviced by XXXX. Since that time, the U.S. Department of Education and other regulators have found that the XXXX XXXX engaged in widespread misleading recruiting practices, including misrepresentations about job placement rates and the value of their programs. Many borrowers with federal loans tied to the XXXX XXXX have since received full loan discharges because of this misconduct. However, because my loans are private, I have not received any similar relief. I am requesting that Firstmark review this loan in light of the confirmed misconduct by the school and work with me toward a fair resolution, which could include settlement, discharge, or other relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I XXXX XXXX XXXX am disputing an alleged debt of {$8000.00} reported by XXXX XXXX XXXX for Resurgent Capital Services on my credit reports with Experian, Equifax, and TransUnion. I do not recognize this debt and have no affiliation with these companies. I previously requested written verification and a copy of any contract bearing my signature, but no documentation has been provided. Reporting unverified information may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I request that you investigate this matter and either provide proper verification of this debt or immediately remove the account from my credit reports. Thank you for your time in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Ive had a Credit Karma spend account for a long time. I recently switched to using that account for my taxes and for my direct deposit. Between the dates of XX/XX/XXXX and XX/XX/XXXX I had numerous unauthorized charges on my account resulting in disputing XXXX separate transactions. It took nearly a week to actually speak with a representative and file my complaints. I asked for a supervisor to follow up with me after speaking with someone Monday morning. I have hard no one follow up regarding my disputes. I have tried to reach out thru chat, email, and phone. I was told, on the phone, I could receive a provisional credit within 10 days. The first several disputes I was able to do online have not had any movement and those were filed on XXXX. The rest were done over the phone. I want to be sure that I receive the follow up requests Ive asked for and that my money is safely returned. I have had a very bad experience over the last XXXX weeks trying to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/year> I recieved notification from Barclay 's by way of a message in my account. The message was confirming the conversion of XXXX dollars worth of earned points for a TV. I contacted Barclay 's immediately to stop the transaction. I was then assigned Case # XXXX. I would check in but as the months got closer to our next cruise date to use those points/money, I was not getting any answers. This credit card is only used when we go on XXXX XXXX so as our XX/XX/XXXX date was approching I became more agressive. I contacted them in XXXX and requested to speak to a XXXX. After telling them that I had a sail date of the XXXX, she went off the line for a while and came back with a fix. She was going to credit our account XXXX dollars, close that case and start a new one with the case # XXXX. I looked in my account and the XXXX dollars credit was there so I did not look again until XXXX. I went to pay our bill for our cruise in XXXX and saw the credit was gone. I looked at my statement for XXXX and there were XXXX entries of XXXX dollars taken out or put in that were not in there when I was given the credit of XXXX dollars. At this time my Barcaly card had no charges on it until the end of our cruise on XXXX the XXXX when they were put on by XXXX. I contacted Barclays last week and requested to talk to a supervisor. She told me after reviewing my account that I never had any credit given to me for XXXX # XXXX and everything was transferred to XXXX # XXXX with no credit given. I then ask her about all the entries in XXXX of XXXX dollars and she had no answer. I then ask her if that was her bank account would she think that was normal and she said yes so I decieded it was no use and terminated the conversation. XXXX months, XXXX different case numbers and many XXXX XXXX talked to on the phone and nothing. All this as I gave Barclay XXXX Department the guys name and address that was on my account in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to escalate my formal complaint regarding missing reward points on my XXXX XXXX XXXX credit card account with Synchrony bank. On or around XX/XX/XXXX, I earned reward points that were never credited to my account. The total missing points amount is XXXX points. I have been dealing with this issue for over XXXX months without resolution. I recently spoke with XXXX XXXX XXXX XXXX, reference number XXXX. He advised that the rewards team is reviewing my statements and that I should check back after XX/XX/XXXX. However, this issue has already been pending for more than XXXX months, and the repeated delays and back-and-forth are unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
My account details with XXXX ( crypto exchange ) email == XXXX XXXX ) Deposited XXXX USD into XXXX XXXX XXXX XXXX account on XX/XX/year> XXXX ) Purchased XXXX for XXXX USD on XX/XX/year>. 3 ) Tried withdrawing my XXXX to private wallet for XXXX XXXX Got error message " temporary restriction ''. So i opened a ticket with support and they asked me to upload a selfie with DL and a code they provided which i did. They responded saying the restriction will be lifted on XX/XX/year>. On XX/XX/XXXX when i logged in it said account Frozen. I had my funds locked up in XXXX for a month since XX/XX/XXXX. I complained countless times via email and Calling their credit card service number. Finally was able to convince the customer support person ( credit card division ) to get me a supervisor XX/XX/year> at XXXX morning. After explaining to the supervisor he committed to escalating it. In 2 hours i get an email from internal review team that for securitity reasons they will close account in 5 days and asking me to convert all Crypto to USD and withdraw it. I am loosing a lot of money in XXXX ways. a ) paid fees when i bought crypto and could not withdraw it b ) could not invest/trade crypto for 25 days c ) have to pay fees again to convert to XXXX. This incident and irresponsible behaviour by XXXX is costing me XXXX $ in fees. Had they raised any identity issues when i opened the account, i would have provided all docs. Additionally they waited till i buy the crypto to raise restrictions. Financially irresponsible behaviour in so many ways. Blanket statement for their action " For security reasons, we can not disclose further details ''. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I called my bank, JPMorgan Chase, to arrange a payment from my checking account to my credit card issued by XXXX XXXX in the amount of {$6100.00}, scheduled for XX/XX/year>. During the call ( approximately XXXX XXXX MST ), I informed the Chase representative that the account balance at that moment would not fully cover the payment and that the account would temporarily go into overdraft. I also explained that I would deposit sufficient funds by the next business day. The representative indicated that the payment could proceed despite the temporary overdraft. Relying on that information, I proceeded with the payment arrangement. I funded the checking account the next business day as stated. However, the payment was declined by the bank on XX/XX/XXXX. As a result, the credit card issuer charged a {$29.00} returned payment fee and interest began accruing on the balance. After discovering the declined payment on XX/XX/XXXX, I immediately made the payment manually. I contacted Chase through their secure message system and by phone to request that the XX/XX/XXXX call be reviewed and to request reimbursement for the returned payment fee and interest incurred due to the declined transaction. A supervisor declined the request, stating that the situation was not considered a bank error and therefore no reimbursement could be issued. My request to review the XX/XX/XXXX call recording was not addressed. I am requesting review of the XX/XX/XXXX call, during which the representative discussed allowing the payment to proceed with a temporary overdraft and funding the following business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recieved the 2 year no interest deal and did not quite understand that interest would occur from that whole two years at the end, so I was charged {$1500.00} interest in a purchase of {$1500.00}, and had paid {$500.00} on it, this is a predatory scam

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