vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
This is the litter that I sent to them. I have multiple screenshots of text messages of harassment that they sent me, and if you look below, these are the dates. To Whom It May Concern, I am submitting a formal complaint against entities associated with XXXX and XXXX regarding repeated, excessive, and unwanted communications in connection with an alleged debt. From XX/XX/year> through XX/XX/year>, I have received persistent and repetitive automated text messages despite making a direct request for the communications to stop. Below is a documented log of text message activity : * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX These communications are substantially similar in content, including repeated solicitations to get caught up and instructions to call or visit a link. The volume and frequency of these contacts constitute a pattern of excessive communication. I explicitly requested that these communications cease, including a direct written message stating : Please stop harassing me. This request was ignored, and contact continued without interruption. This conduct appears to be in violation of the Fair Debt Collection Practices Act, including but not limited to : * Engaging in conduct intended to harass, oppress, or abuse * Repeatedly contacting a consumer with the intent to annoy or harass * Failure to honor a consumers request to cease communication Additionally, the continued use of automated text messaging after revocation of consent raises concerns under applicable telecommunications regulations. I hereby demand the following : 1. Immediate cessation of all phone calls and text messages 2. Restriction of any future communication to written correspondence only 3. A formal review and investigation into this pattern of conduct 4. Written confirmation that my cease communication request has been honored All communications have been documented, and supporting evidence ( including screenshots ) is available upon request. Failure to comply with this request may result in further complaints being filed with the Consumer Financial Protection Bureau and other appropriate regulatory agencies, as well as consideration of additional legal remedies.

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 2026-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I sent XXXX payment from my personal account at Chase to my business account at XXXX XXXX XXXXXXXX the documentation from chase states transaction sent and completed the funds never got to my business account at XXXX XXXX XXXX neither bank nor XXXX will do any further investigating do I have any recourse with anyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I tried XXXX get information from XXXX about the debt back in XXXX of XXXX an I called them again XXXX as of XX/XX/XXXX asking for debt validation and asked about the amount that was owed from the account which is more XXXX the original balance they said they would sent it XXXX email an I havent received it an they hung up in my face when I repeatedly asked for the debt validation an asked XXXX XXXX pay {$1300.00} when they are reporting {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc
State: MO

Complaint narrative:
To Whom It May Concern, I am writing in response to your notice regarding an alleged debt. I formally dispute this debt in its entirety. I do not believe this debt is valid, and I am requesting full verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, please provide the following : * The name and address of the original creditor * A copy of the original contract or agreement bearing my signature * A complete account history, including all charges, payments, and adjustments * Documentation showing that I am legally obligated to pay this debt * Proof that your agency is authorized to collect on this debt Until you provide proper validation of this debt, you must cease all collection activities and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed immediately. Please send all requested documentation to the address listed below. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
b"i have been using zelle and my XXXX XXXX account since XXXX. On XXXX zelle/ XXXX suspended my account. Dear XXXX,\nFor your protection, we've suspended your Zelle profile.This is due to adverse activity reported on your profile.If you have any questions or would like to discuss reactivation of the service, please contact us at XXXX.\nSincerely, XXXX XXXX \nIve called this number and went in person to my XXXX XXXX and they closed my account and my zelle was suspended as well. They provided me with no warnings or help and decided to close everything without informing prior at all. I have used Zelle (early warning services) appropriately and have received many payments from my friends, and family for gifts and food. I go out in large groups and with my frats/ college and receive zelle payments. After this, I decided to open a new bank with XXXX XXXX and my Zelle was good to use but then a few weeks later, zelle disabled my service again. I called XXXX and they said i would have to contact zelle and they provided me with XXXX XXXX XXXX option XXXX to contact zelle. I am unable to get in touch with zelle ( early warning services) and have tried contacting through the zelle website but it just re directs me to my bank, and my bank redirects me to zelle. I need my zelle back as it was closed for my protection, even though I am using it correctly. thank you"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
Description of the Issue I am submitting a complaint regarding unauthorized transactions that occurred on virtual cards issued to me by the same card provider. These virtual cards were redeemed from employer rewards through a thirdparty platform and are used strictly for personal consumer transactions. Between XXXX XXXX, unauthorized transactions were made across 4 virtual cards under my ownership. These transactions were not initiated, authorized, or benefited from by me. XXXX XX/XX/year> transaction for XXXX * XXXX XXXX XXXX of Amount {$490.00} XXXX XX/XX/year> transaction for XXXX * XXXX XXXX of Amount {$1000.00} XXXX XX/XX/year> transaction for XXXX * XXXX XXXX of Amount {$320.00} XXXX XX/XX/year> transaction for XXXX Life of Amount {$19.00} Indicators of Fraud and Unauthorized Use The disputed transactions show clear and consistent red flags, including : Transactions occurring with merchants and services I have never used Geographic/location inconsistencies that do not align with my usage patterns or physical location Repeated transaction patterns across multiple cards suggesting systemic compromise rather than user error Timing and merchant categories that are inconsistent with my historical card usage Taken together, these patterns strongly indicate an ongoing scam or account compromise, not isolated or accidental charges. Actions Taken by Me I promptly reported the unauthorized transactions to the card provider. I submitted written explanations and dispute details outlining why the transactions were fraudulent. I cooperated fully with the providers stated review process. Card Providers Response ( Issue of Concern ) The card provider issued a brief denial of my dispute with : No detailed explanation No transactionlevel analysis No reasoning addressing the clear fraud indicators No evidence of a meaningful investigation The response did not explain : Why multiple cards were affected Why transaction patterns signaling fraud were ignored How their conclusion was reached This lack of transparency and analysis is concerning and does not meet reasonable standards for consumer dispute resolution. Why I Believe This Is an Ongoing and Broader Issue The transactions pattern suggests compromise or systemic misuse and similar virtual card fraud schemes are widely reported Denying disputes without proper investigation may expose consumers to repeat losses The burden has been unfairly shifted to the consumer despite strong fraud indicators Resolution I Am Seeking I respectfully request : A proper, documented investigation into the unauthorized transactions Reversal/refund of the disputed charges A clear written explanation of how the determination is made Review of the providers dispute handling practices to ensure consumer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU is a bank here in Texas. They started calling my number looking for XXXX XXXX XXXX. I called them requesting them to stop calling as this is no longer his phone number. They say he owes a debt. They have called at least a dozen times this year, and I keep telling them that he is no longer the owner of this number. They say that they have noted it on his account, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I purchased phones from XXXX on XX/XX/XXXX the seller stated the bills would be XXXX $ per line a month.It was XXXX gifts and I paid for them and to be turned on. Wrapped them up and gave them the phones on XXXX. On XX/XX/XXXX I tried going into XXXX to pay the bill and was told Id have to pay at a XXXX store or go online. I tried online since it was late but once I seen the amount it wasnt what I expected. I then called into the XXXX store but could not get any information on my account because I didnt have a pin and wasnt never given 1. The rep told me I could go into a location and they could help me set one up then called into the them back to discuss the bill. Next Day I went into a XXXX store they help me set up a pin and also stated my bill was so high because I was being charged for 2 months. I left and contacted the XXXX agent over the phone and the rep stated that I was in a contract and they billing cycle is every 25 days. I asked why leave it on for 30 days they stated it was a grace period. I told them I didnt know it was a contract and if they could fix the amount because I was told XXXX $ per line and I even went back to XXXX while on the phone with XXXX XXXX but no one would even bother helping. I asked them why are we being charged for 2 months if it was only 30 days of service and 5 supposed to be grace period. However km here no adjustments and now Im being harassed by debt collectors on a bill they think they are helpful with lowering the price but its still over charging me. They want me to pay XXXX of XXXX when the bill should be XXXX XXXX I feel like Ive been cheated I dont know who to go after XXXX or XXXX. If my credit is harmed by this I might sue both

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Someone used my card to pay and bank refused to accept my dispute and closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding improper billing, denial of benefits, and resulting negative credit reporting on my account. I was charged for a credit protection product that I do not recall knowingly enrolling in or authorizing. These charges accumulated to over {$200.00} and directly contributed to my balance exceeding the stated {$1000.00} credit limit. I later experienced a documented hardship due to a car accident that left me unable to work. During this period, I attempted to utilize the protection product I had been billed for. Despite this, my claim has not been properly honored, and I have continued to be reported late on my account. The late payments being reported are directly tied to charges I did not knowingly authorize and a failure to properly apply the benefits of the protection program during a qualifying hardship. As a result, I am now being negatively impacted by : Unauthorized or unclear add-on charges A balance exceeding my credit limit due to these charges Late payment reporting tied to a denied or mishandled claim I am requesting the following resolution : A full investigation into the enrollment and billing of the credit protection product Refund of all associated fees Proper review and application of my hardship claim Correction of my account and credit reporting, including removal of late payments ( update to paid as agreed ) I have documentation supporting my hardship and treatment following my accident and have made good faith efforts to resolve this directly. I am requesting a fair and complete resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
XX/XX/year> A person that was not family contacted me stating XXXX asked about my residency. After speaking to XXXX at XXXX about the situation he was rude, kept refuse to let me speak, and would not understand their tactics was harassment and embarrassing. If he would have let me explained is that I been paying the company back however, I am not receiving a check at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: CA

Complaint narrative:
Every time I use my card in the store XXXX or try to draw money out from a ATM it says that insufficient funds are either I went over my limit even though I haven't used my card in a couple of days. I called the way to go people and they sending me out another car so it might be not working but still I would like to know why I can not draw out money or use my cardat a store

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
On XX/XX/XXXX My Car Overheated Broke Down in the middle of the road XXXX at Red light my car wouldnt start luckily someone was able to help me get my car to the right side of the road I then called a tow truck to get my car Towed to the XXXX Dealership in XXXX on Monday Morning because my car wont start has a blown head gaskets was also leaking Radiator Fluid I got out of the Tow truck went to speak to a Service XXXX XXXX XXXX asked XXXX if he could provide me with A Loaner Car since my car overheated wont Start the Service XXXX at XXXX XXXX told me that Im banned from driving a Loaner car without any Letter mailed to me explaining the reason why Im banned from driving a loaner car if I need transportation to my job from my home my XXXX XXXX has Extended Warranty thats Valid until XXXX of XXXX or XXXX miles from XXXX they Refused to Repair my car and I have to make Monthly Payments of {$700.00} Auto Nation Finance I owe Around {$26000.00}. Remaining XXXX XXXX on my XXXX XXXX XXXX Dollars when I cant drive the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX PDT, a debit transaction in the amount of {$270.00} from XXXX XXXX was charged to my account. This transaction was not authorized. I reported the transaction to the company promptly on XX/XX/year>, and a claim was opened ( Claim # XXXX ). I also replaced my card and followed all recommended fraud-prevention steps. On the same date and within minutes of the disputed charge, I completed a separate transaction locally in XXXX, Arizona. I also have work records confirming I was physically present in Arizona at the time. The disputed transaction is described as a XXXX rental-related charge, which is inconsistent with my location and was not authorized by me. The company denied my initial claim and multiple re-disputes ( XXXX, XXXX, and XXXX ) over the following days. Each denial provided general statements that they reviewed items such as authentication history, device usage, and transaction data, but did not identify any specific evidence demonstrating that I authorized the transaction. I submitted documentation multiple times showing my location and lack of authorization, but the company did not address this evidence or explain how their findings support their decision. I also requested copies of the documentation used to deny my claim and a clear explanation of their determination, but this has not been provided. As of now, the unauthorized charge remains unresolved despite multiple attempts to work directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Ground for Removal 1. Cancellation of Debt -1099 C- Issued 2. Failure to Validate- No Wet Signature Contract 3. Debt Cancellation Creates XXXXXXXX Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX. Ground for Removal : 1. Cancellation of DebtXXXX Issues 2. Failure to Validate -no Wet Signature Contract. 3. Debt Cancellation Creates XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: KS

Complaint narrative:
i called 3 times requesting full refund for monthly and annually fees been charged to XXXX accounts have with same company, was told will not waive any fees. my request to cancel both cards and get full refunds for all fees i have paid in 2026 i haven't used any of cards in 2026 the answer was told no. last call i was on phone with XXXX different people for more than XXXX minutes with no resolve to my problem

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 2026-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WI

Complaint narrative:
My information was used in a data breach. I kind of want a full spectrum of you guys to do a deep dive and into figuring out whats going on with my credit I discharged a company through XXXX XXXX. Ive never heard of an account with XXXX XXXX and they keep attempting to collect money for me. And not only from that company but any other company thats attempting to misuse my information as their way that you guys can double check to make sure that there is no one trying to use my information idea file for bankruptcy in 2018 and I know for sure that XXXX was included in that bankruptcy which I still dont even understand. I never had a XXXX account.

Company response to consumer: Closed with non-monetary relief