vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: CT

Complaint narrative:
Im filing a complaint against JEFFCAPSYS because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX, account XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA XXXX Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I received an email alert from Chase requesting authorization for a {$1000.00} ATM withdrawal from my checking account. Upon receiving the alert, I immediately selected XXXX, indicating that I did not authorize the transaction. Despite my explicit denial, the withdrawal attempt was nevertheless approved. After reviewing my Chase mobile banking application, I discovered that unauthorized withdrawals totaling {$3300.00} had been made from my checking account {$1000.00} in XXXX transaction and {$2300.00} in a separate transaction. On XX/XX/2021, I visited my local Chase branch located at XXXX XXXX XXXX XXXX to report the fraudulent activity. During that visit, a banker assisted me in filing a formal claim regarding the unauthorized transactions. I was also informed that an individual had contacted Chase and requested a temporary PIN for my debit card, which raised serious concerns regarding the security of my account and the banks verification procedures. On XX/XX/2021, a second series of unauthorized withdrawals occurred. On this occasion, a total of {$3800.00} was withdrawn from my checking account {$1000.00} in XXXX transaction and {$2800.00} in another. Importantly, after the first incident was reported on XX/XX/2021, I was not advised by Chase personnel to take critical protective measures, such as changing my debit card PIN, closing or securing my account, placing additional fraud alerts, or locking my credit report. As a result, my account remained vulnerable to further unauthorized activity. Following the second incident, I returned to the same Chase branch on XX/XX/2021 to report the additional fraudulent withdrawals. During this visit, I was informed that an individual had requested a replacement debit card to be mailed to an unfamiliar address that was not associated with my account. Additionally, the banker informed me that multiple attempts had been made to withdraw funds from my account. I only recently became aware that I could file a formal report regarding this matter. At the time of these incidents, I relied on the claim that was filed through the bank and the guidance provided by Chase personnel. Since then, the checking account associated with these transactions has been closed. Nevertheless, I am submitting this statement to formally document the unauthorized withdrawals and the circumstances surrounding the incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hello, I am writing to request an update regarding my Borrower Defense to Repayment application. My case details are as follows : Borrower Defense Case Number : XXXX School : XXXXXXXX XXXX Application Date : XX/XX/XXXXXXXX I received notice that my application falls under the Sweet v. Cardona settlement as a Post-Class Applicant. The notice indicated that the Department of Education would issue a decision on my application no later than XX/XX/XXXX. As of today, my case status on StudentAid.gov still shows In Review, and I have not received a decision regarding approval or denial of my application. Based on the settlement terms outlined in my notice, if the Department does not issue a decision by the XX/XX/XXXX, deadline, the federal student loans associated with the borrower defense application are to be discharged pursuant to the Sweet v. Cardona settlement agreement. Could you please confirm the anticipated timeline for discharge of the associated loans in the amount of {$45000.00}, and the status of the update on all my credit reports. If any additional information is needed from me to complete the review or process the discharge, please let me know. Thank you for your time and assistance. I appreciate your help in confirming the status of my application. Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX, Wells Fargo closed my checking account after alleging that a deposited check was suspicious. The check was issued by XXXX. To clarify the matter, I contacted XXXX directly. XXXX confirmed that the check was legitimate and issued an official verification letter. The verification was also notarized and includes contact information for the XXXX banker who handled the verification. I provided Wells Fargo with multiple supporting documents, including : XXXX verification letter Notarized confirmation ( XX/XX/XXXX ) Fax transmission confirmation XXXX banker contact information Despite receiving this documentation, Wells Fargo refused to reconsider or properly review the verification provided by XXXX. My requests for a fair review of the evidence were not meaningfully addressed. I am requesting that Wells Fargo conduct a proper review of the documentation provided and correct any records related to the alleged issue. Consumer Complaint Documentation Wells Fargo XXXX XXXX Citibank Verification Letter XXXX XXXX Check Issuance Confirmation XXXX XXXX Fax Confirmation XXXX XXXX Notarized Verification XXXX XXXX Banker Business Card XXXX XXXX Email Correspondence

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
This account was created from identity that this is not my account. It is messing my name up. I need this removed off my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
On XX/XX/, I submitted a formal debt dispute through FABCO 's online portal regarding an alleged debt of {$1400.00} from XXXX XXXX ( Reference : XXXX ). The system confirmed receipt and stated I would receive a response via US Mail within 30 days. As of XX/XX/, more than 30 days have passed, and FABCO has failed to provide any validation of the debt. I specifically requested the signed lease, itemized charges, and maintenance records. Instead of providing validation, FABCO sent me a new collection letter dated XX/XX/, demanding payment. This is a violation of the FDCPA, as they are continuing collection efforts without providing the legally required validation after a timely dispute. I want FABCO to validate the debt as requested or close the account and remove any negative reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint regarding Bank of Americas refusal to properly investigate my billing dispute related to recurring subscription charges. In XX/XX/year>, my account associated with a XXXX XXXX ( XXXX ) subscription became inaccessible and effectively locked. Because of this issue, I could no longer log into the service or use the subscription. Despite the fact that the account was inaccessible and the service could not be used, the merchant continued charging my credit card approximately {$21.00} per month for the subscription. In XX/XX/year>, I contacted the merchant and requested cancellation of the subscription and a refund because I could not access the service. However, the merchant did not resolve the issue and the charges continued. I later disputed these charges with Bank of America. However, Bank of America denied my claim stating that it was outside the 60-day dispute period. This dispute involves a recurring subscription where the service became inaccessible and the merchant continued billing for a service that could not be used. I believe the bank should still review these charges given the circumstances and the evidence I provided. I provided invoices, receipts, and documentation showing my attempt to contact the merchant to cancel the service.

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 2026-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
Date : XX/XX/XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Regarding Incorrect Debt Collection and Credit Reporting To Whom It May Concern, I am submitting this complaint to request assistance regarding an inaccurate collection account that has been reported under my name and is negatively affecting my credit report. A collection account in the approximate amount of {$1700.00} related to an apartment in XXXX, Florida has been reported against me. I dispute this debt because I am not legally responsible for this obligation. The apartment application associated with this matter was submitted by me while I was planning to attend college in XXXX. After receiving the lease agreement and reviewing the terms, I discovered that the monthly rental amount included numerous additional fees that appeared excessive and unfair. As a result, I cancelled the agreement approximately forty-eight days before the intended move-in date. I never took possession of the apartment, never received a key, never moved into the property, and never occupied the unit. My father personally never applied for the apartment, never signed any lease agreement, never co-signed any lease, and never agreed to assume financial responsibility for this rental property. As he never agreed to be a guarantor for this apartment, which is required in order to lease it, this lease agreement was never fully valid or complete. Despite the fact, the alleged debt was sent to collections and reported to XXXX under my name along with my fathers. This reporting is inaccurate and is causing significant harm to my credit profile. I have formally disputed this account with XXXX and have also requested debt validation from the collection agency, Qualia Collection Services. At this time, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that inaccurate information is not being reported on my credit file. Specifically, I am requesting that the reporting company and the collection agency be required to provide documentation proving that I am legally responsible for this alleged debt. If they can not provide such documentation, I request that this account be removed from my credit report immediately. Attached to this complaint are copies of my dispute letters and supporting documentation related to this matter. Thank you for your time and assistance in helping resolve this issue. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We hired XXXX XXXX in XX/XX/XXXXXXXX to do a patio job at our home in XXXX. Our sales agent, XXXX XXXX, worked with our budget of {$16000.00} and offered various options. We chose a style, and he agreed to have the job done by XX/XX/XXXX. We paid a {$1500.00} deposit to XXXX. He then suggested a payment plan to pay the {$14000.00} balance gradually. We declined this option until XX/XX/XXXX when he offered a 0 % interest-free plan for 36 months. We were led to believe this was our agreement as discussed. XXXX visited our home to sign the agreement on XX/XX/XXXX. Work began on XX/XX/XXXX and finished XX/XX/XXXX. We were pleased with the work and wrote a positive review on XXXX. On XX/XX/XXXX, a XXXX XXXX agent emailed us to say we never signed the sales contract for financing through Synchrony. XXXX questioned it but signed a few days later. The payment plan details were stated as XXXX XXXX, but no APR promo information was given. We assumed it was for 36 mos interest free as discussed. The agent and XXXX never informed us about this program change. We then made monthly payments to Synchrony through auto-payments until we had to pay off the remaining balance of about {$1300.00} to complete our 36-month payment plan. We contacted Synchrony on XX/XX/XXXX and found out we had an interest charge of $ XXXX on our {$14.00} loan. This was a shock to us! We were unaware of the change in APR and didnt register for the card or receive emails or hard copies. We disputed the charge per Synchrony 's request, but now its an APR correction dispute. We tried calling and emailing XXXX to resolve, and they initially agreed to make the agreement change to XXXX mos., but now they refused to revise the APR due to potential merchant penalties. We have now informed Synchrony that we didnt have a signed payment contract until XX/XX/XXXX, about a month after job completion, and we assumed it was for 36 months, not 18 months. We hope for a fair and positive outcome for us, XXXX XXXX and Synchrony.

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: GA

Complaint narrative:
I am frustrated by the fact my Student loan repayment plan ( XXXX ) has been reversed to a standard repayment plan without my knowledge, permission or notice of error by CRI. I checked my account and noticed the increased repayment amount for my loans and called the servicer in late XXXX. They first informed that the normal {$220.00} will still auto-debit on the XX/XX/year> in accordance with my known plan rate. This did not happen. I followed up on the issue by phone call on XX/XX/year>XXXX to know when my account would be corrected. They then provided the option of reenrolling in the XXXX XXXX at an increased monthly payment rate, and this simply can not do as the site explicitly states that the payment amounts for my plan would not increase for 24 months while being on the plan. The other option was to simply not pay and risk a late payment mark on my credit report. Now, I am receiving a new statement for XX/XX/year>XXXX where all my loans are in the Standard repayment plan with a monthly payment of {$370.00}. Also, I have the complete understanding that the GRADUATED repayment plan was never to be affected by the recent legislation regarding IBR and SAVE plans. During the most recent follow-up on XX/XX/XXXX, I was told by multiple operators that we ( those affected ) would receive an update on the CRI letterhead by email regarding the situation and it would be fixed before the turn of the month. During that call, I had to place those loans in Forbearance status to try and avoid a negative impact to my credit. It is now XX/XX/year>, I have not received any updates, and my loans are still reading as " Standard '' repayment. Nothing has been corrected and I am done being gaslit by the company regarding the status of my account. Even at this moment I am unable to access my account through the CRI site.... the login is now redirecting to " XXXX '' which is another problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
I am requesting assistance regarding a retail installment contract governed by Texas law for laser hair removal services. The contract is serviced by Healthcare Finance Direct for services provided by XXXX XXXX. The XXXX XXXX treatment location where my services were being performed permanently closed in XX/XX/year>. XXXX XXXX has stated that patients may be transferred to a new location, but the replacement location has not opened and can not schedule appointments. As a result, the services financed under the contract can not currently be delivered. Despite this, Healthcare Finance Direct continues attempting to collect monthly payments. When I contacted XXXX, they stated they only process the balance and can not offer adjustments or cancellations. However, the contract contains the FTC Holder Rule clause stating that any holder of the contract is subject to the same claims and defenses that could be asserted against the seller. Since the services can not currently be provided due to the provider closing the treatment location, this constitutes a failure to deliver contracted services. I am requesting assistance in obtaining : cancellation of the remaining balance refund of payments made after XX/XX/year> suspension of collection activity during the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Chime Financial Inc
State: KY

Complaint narrative:
I had {$4600.00} worth of unauthorized charges pulled from my chime banking account starting on XX/XX/XXXX, in less than 13 hours all together totaling {$4600.00}. I contacted chime to dispute the charges. Chime denied my dispute in less than 24 hours. No way they had time to investigate, contact the merchant or anything. It was denied before I even had time to submit my evidence. I had the same company pull money a few months prior and I tried to disputed thru chime and was assured they would block that company from ever being able to charge my account again. That dispute was also denied. But the same company I was assured was blocked had access yet again and they aren't trying to resolve anything. They provided no information other than they see no error occured. My account isn't even supposed to be able to go over {$2500.00} a day in spending. How does {$4600.00} not get flagged. Especially from the same company. Some transactions are for {$400.00} and {$600.00} at once. My account was compromised. I provided them all the information and dates showing. Provided them the date of the email they sent me where a new device gained access to my account. Assured them it was not me who authorized those charges. And that my card was used without a pin or anything to verify it was the account holder. Those charges should have never been able to process. It should have been denied immediately since I was promised that company was blocked from previous attempts. {$4600.00} in less than 13 hours and I don't even get a text email or anything asking to verify if it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In late XXXX, Wells Fargo Bank raised the minimum balance requirement for my checking account. By the time I became aware of the change, I had already been charged XXXX monthly service fees totaling {$55.00}. When I contacted the bank to complain, they agreed to reverse only one fee in the amount of {$15.00}. The only notice I received about the change in the minimum balance requirement appeared in my monthly statement dated XX/XX/year>. Many consumers, including myself, do not closely review every monthly statement. A change of this nature is a significant financial policy update and should require a separate, clear notification rather than being buried in a statement.

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