vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding the continued reporting of a fraudulent utility account by XXXX XXXX and the collection agency XXXX XXXX XXXX. I received written correspondence from XXXX XXXX XXXX advising that I had an outstanding collection account related to a utility bill allegedly owed to XXXX XXXX. Upon receiving this notice, I immediately contacted the collection agency to dispute the debt because I have never resided in the State of Michigan and have never opened or authorized any account with XXXX XXXX. After investigating the matter further, I discovered that my personal identifying information had been used without my authorization by unknown individuals to fraudulently open the utility account. These individuals resided at the Michigan address where the service was provided and subsequently failed to pay the utility bill, resulting in the account being sent to collections. In accordance with the instructions provided by XXXX XXXX XXXX, I submitted documentation demonstrating that the account was opened fraudulently. This documentation included : A police report documenting the identity theft A copy of my government-issued identification Proof of my legal residence in the State of Indiana during the time period in which the account was opened and incurred charges Despite receiving this documentation, both XXXX XXXX and XXXX XXXX XXXX have continued to report this account on my credit report and have responded to my disputes by stating that the account has been verified. The continued reporting of this account is inaccurate and constitutes the reporting of information that is the result of identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to conduct a reasonable investigation of disputed information and to correct or delete information that can not be verified as accurate. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies and furnishers to block the reporting of information that results from identity theft when appropriate documentation has been provided. Furthermore, continuing to attempt to collect or report a debt that is known to be fraudulent may constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt. I have provided more than sufficient evidence demonstrating that this account is the result of identity theft and that I was not responsible for opening or maintaining the utility account in question. Through my own investigation, I was also able to identify the individuals who resided at the Michigan address and who appear to have used my personal information without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
The company pursued collections acvtivities against me before they validated the debt. I never received a bill or invoice from this collection company, but they reported me to the XXXX major credit reporting agencies, regardless. I nvr knew anything about this company who is collecting for XXXX University for an outstanding bill that I never incurred. The debt was placed on my XXXX student account after I withdrew from the university. Having nevr taken a class art the university. I signed into my first of XXXX courses as a new student. Then, after about an hour. I logged out of the course. Then, withdrew from the entire university. The university reps never provided me with a school policy of any sort prior to the start of my courses in which i intended to start. The reps knew that I missed orientation, so they knew that I had no Idea as to how to maneuver on the student portal. I specifically requested a call back seeking assistance, but no one was available to talk to me until after I withdrew from the unoversity. Suddenly, after I withdrew I finally received a follow up call, which was too late. I have emails to XXXX to you to show the many attempts to reach these XXXX women. Thus, to this day, I have never seen a school policy, so I owe the school nothing. The university initially chaged me the full cost of the course. Then, over time, they adjusted the charge to approx {$500.00}, which I still refuse to pay because no refund policy was disclosed to e. In fact, some universities allow students to stsy in the course for XXXX week before they charge students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt collector, Sentry Credit XXXX XXXX, that has reported an alleged debt of {$620.00} opened on XX/XX/year>, on my credit report but has failed to provide proper validation of the charges after my request. I formally requested documentation verifying the legitimacy of this debt, including an itemized statement of the charges, proof of the original account and creditor, and documentation demonstrating that I am legally responsible for the debt. Despite my request, the company has not provided the requested information and continues to report the account to the credit bureaus. Their failure to provide adequate validation raises concerns regarding the accuracy and legitimacy of this debt and their compliance with the requirements of the Fair Debt Collection Practices Act. I respectfully request that this matter be investigated and that the collector be required to either provide proper documentation validating the debt or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/year>, I made XXXX separate prepaid reservations through the Chase Sapphire Reserve The XXXX hotel program for the XXXX XXXX XXXX in XXXX for XX/XX/year>. Each reservation is for a two-night stay and therefore meets the eligibility requirements for the benefit. According to the published terms of the Chase Sapphire Reserve benefit, the card provides up to {$500.00} in annual statement credits for The XXXX bookings, up to {$250.00} per eligible prepaid booking. The previous six-month restriction associated with this benefit was removed earlier this year. However, only XXXX {$250.00} statement credit posted to my account. I contacted Chase customer service multiple times in good faith to resolve the issue. The first XXXX representatives incorrectly informed me that the benefit could only be used once every XXXX months. When I explained that the policy had recently changed, my explanation was dismissed without verifying the updated benefit terms. A third representative later confirmed that the six-month restriction had indeed been removed. However, I was then informed that an internal review denied the second credit because the reservations were considered a consecutive stay. This explanation is incorrect. These are XXXX separate prepaid reservations for XXXX rooms on the same dates. They are not split reservations and do not constitute a consecutive stay. Each reservation independently meets the eligibility requirements for the benefit. I first raised this issue more than XXXX weeks ago and requested that Chase review it promptly because my hotel stay was approaching. Despite this, the issue was repeatedly delayed. Chase representatives indicated that the denial explanation would be sent by postal mail rather than through faster communication channels such as secure message or email. This approach unnecessarily delays the resolution of the issue, especially given that my stay begins tomorrow. It appears that no meaningful investigation occurred until I repeatedly contacted Chase myself. Because of these delays, I am now in a situation where the stay begins tomorrow and the reservation can no longer be cancelled, even though I raised the issue well in advance. I am frustrated that I made multiple good-faith efforts to resolve this matter with Chase, yet the company has failed to honor the published benefit terms or provide a timely and reasonable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was informed that my business was no longer wanted because of the way I conducted myself. I was told by a representative that chase was not obligated to respond to me and there is nothing I can do about it. Chase has restricted my accounts and refused to release my monies. This has to be criminal and discrimination against me. I am totally innocent and it cant be this easy to lie on someone. They have no physical proof. As of right now it has been XXXX weeks and I cant pay my bills or get my XXXX check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally filing this CFPB complaint to dispute an unauthorized and inaccurate inquiry reflected on my credit report. I did not authorize this inquiry, I have no contractual relationship with the company that accessed my credit file, and I did not provide consent written or otherwise for my credit to be pulled. This inquiry is a clear violation of my rights and must be investigated immediately and removed without delay.

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 2026-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate items on my report. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MA

Complaint narrative:
On XX/XX/year> at First Citizens Banks XXXX XXXX XXXX branch, I was subjected to excessive scrutiny while trying to open a business checking account. Despite providing all requested documents ( EIN, articles of organization, bank statements ) ahead of time, staff acted unprepared, demanded hard copies of already-submitted files, accused me of fraud without basis, and interrogated me aggressively about my small property management business. The manager, XXXX, was hostile, refused to explain policies, and falsely promised follow-up ( call at XXXX XXXX. tomorrow + email todaynone received ). I believe this was discriminatory based on race, as my ID clearly shows my background, and no other customer appeared to face this level of suspicion. This violates fair banking practices. I request investigation, resolution of my account, and corrective action against the branch. Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have been paying my private student loans back for almost a year now. The loans were originally owned by XXXX XXXX loans which is a section of XXXX that no longer exists. They sold the loans off to a shady company called firstmark services which they definitely did not have my permission to do. I believe this Firstmark Services is charging an unfair amount of daily interest on my loans. I have calculated the daily interest to be {$15.00} a day which works out to about {$460.00} a month purely in interest. Meanwhile, my monthly payment is XXXX. This means that even with interest I should be seeing roughly XXXX dollars knocked off of my total debt each month that Ive paid. However, this is not the case. My debt has only ever gone up no matter how much money Ive paid towards it. I am backed into a corner because I have nobody that can co-sign on a refinance for me. Every company I have contacted about refinancing says I need a cosigner despite my credit score. I believe Firstmark services is an untrustworthy company and I will never be able to pay off my debt with them even if I continue making my monthly payments. Something needs to be done about these criminals. For proof of unfair interest and business practices here is the total math : Current balance ( with interest ) : XXXX Starting balance when I first started payments : XXXX Total in payments ( shown in file ) : XXXX Amount of interest that would have accrued during my payment pause : XXXX Total in payments after this interest : XXXX What total loan amount should be taking this into account : {$44000.00} ( including interest ) What total loan amount is currently : {$48000.00} So how does my total amount paid towards my loans even with the interest only go down by XXXX dollars over almost a year when Im paying the interest plus {$130.00} every month? How the XXXX am I supposed to ever pay this off? Ridiculous. There should be AT LEAST {$1100.00} dollars total paid off of the account even with all the interest however this is not the case. What the heck is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chases refusal to honor a {$75.00} promotional dining credit offered in collaboration with The Infatuation. The promotion was advertised as valid through XX/XX/year>. I dined at an eligible restaurant on XX/XX/year>, within the advertised promotional period. I met all stated requirements, including : -Linking my Chase card to my Infatuation account prior to dining -Spending the required minimum amount at an eligible restaurant -Completing the purchase on XX/XX/year> The restaurant transaction was initiated and charged on XX/XX/XXXX. However, the merchant posted the transaction to my account on XX/XX/XXXX, which was outside of my control. Chase has denied the promotional credit solely because the transaction posted XXXX day after the advertised promotional end date. As a consumer, I relied on the advertised valid through XX/XX/XXXX language and completed my purchase in good faith during that timeframe. The settlement timing of a merchant transaction is not something a consumer can control. Denying the credit based on posting date rather than purchase date is inconsistent with how the offer was presented and advertised. I have contacted Chase customer service multiple times and escalated to a supervisor. I have received repeated rejection letters citing posting date without addressing the ambiguity in the promotional terms. Additionally, I dined with a friend who split the bill with me. She received a rejection initially, then after speaking to XXXX agent, received the credit as deserved. I am requesting that Chase honor the {$75.00} promotional credit, as I met the advertised requirements during the promotional period. Thank you for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year> an unauthorized device logged into my Cash App account and purchased XXXX with my entire account balance of {$2300.00} XXXX minute later that device sold the XXXX and transferred it to a third party account. When I woke up at XXXX I called and initiated an XXXX. I was told and their policy states that if an investigation exceeds XXXX business days a credit in the amount of the disputed transactions will be given. I have called support and no one will assist me and just continues to tell me that they will reach out to me. This has caused extreme financial hardship for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint regarding a {$250.00} transfer that was sent from my Wells Fargo account to my XXXX account but has never been received. The {$250.00} was deducted from my Wells Fargo account, yet the funds were never credited to my XXXX account. This indicates that the money was removed from my account without the transfer being completed. I have attempted to address this issue, but the funds remain missing. I am requesting an immediate investigation to trace the transaction and determine where the money went. If Wells Fargo can not provide proof that the transfer was successfully completed and received by XXXX, then the {$250.00} must be promptly refunded to my account. The disappearance of these funds is unacceptable, and I am requesting a full resolution as soon as possible.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been paying my monthly Visible phone bill using my Chase Freedom XXXX card ( ending in XXXX ) every month without interruption. When my phone screen was damaged, I filed a Cell Phone Protection claim ( # XXXX ) for {$320.00} XXXX in repair costs on XX/XX/year>. Chases benefit administrator ( XXXX ) denied my claim, claiming my carrier XXXX is a prepaid or pay as you go plan. This is factually wrong. XXXX is a XXXXowned carrier with automatic monthly billing it is not prepaid or pay-as-you-go. An important fact : I previously received a replacement Chase Freedom XXXX card with a new card number ( ending in XXXX ). Although XXXX billing interface still displays my old card number ( ending in XXXX ), BOTH card numbers belong to the same Chase Freedom XXXX account. All monthly charges have been continuously and successfully processed against my single Chase account throughout this is verifiable in my Chase transaction history. Chase advertises this benefit as covering phones listed on your monthly bill when you pay it with your eligible credit card. I meet this requirement exactly. Chase fails to define prepaid clearly in its advertised benefit terms, then uses that ambiguity to deny legitimate claims. I have wasted significant time filing documentation only to be denied based on a misclassification of my carrier and a misunderstanding of my account history. I am requesting Chase honor the {$320.00} claim. I have also filed complaints with the XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

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

Company public response: Company 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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I cancelled my XXXX XXXX service on XX/XX/year> @ XXXX PM XXXX XXXX and made the final payment of {$29.00}. I was assured that service was terminated by the XXXX. Made subsequent calls and chats to XXXX XXXX verifying that the account was indeed closed and they confirmed according to their call and chat records. Received collections notice from Credence Resource Management indicating I had an outstanding payment and bill. I called XXXX XXXX to inquire about collection notice and after being handed off to multiple CSRs I was assured that this was resolved and that the account was closed and a credit was even applied to my account. My credit score has been affected and lowered due to this issue and I have submitted a dispute with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I just received my tax refund. My phone got stolen when my phone was recovered. I noticed XXXX large transactions eye contact chime to let them know that I did not authorize this transactions but they keep saying that there was no error made I filed a police report sent them a copy of it also found another dispute and they still coming up with the same thing that there was no error made. I dont know the person who the money was sent to, and I did not send this person. Any money. I filed the police report. I dont know what else to do.

Company response to consumer: Closed with explanation