vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
At XXXX XXXX I received a call once I answered and said hello. It took a moment before a person joined the line. She asked for XXXX XXXX XXXX XXXX XXXX The name of my deceased grandmother and sister, and I told her I am neither of those two people. I tried asking who she was and she rambled off thank you and hung up real quick. I called the number back and found out it was for Unifin Incorporated. I barely got that information as the man who answered was reluctant to tell me who was even trying to contact my sister using my phone number. I told them I am on the national do not Call registry and asked him to remove my contact info for someone elses debt. I contacted my sister and she stated they have her phone number and have been in contact with her. They have no reason to call or contact me anytime past or future. I would like this harassment to stop by Unifin Incorporated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America issued a check that was lost in the mail. It has now been XXXX days and they continue to reissue checks without tracking and refuse to provide alternative delivery methods such as branch pickup, direct deposit, or overnight delivery. I have been told to wait another month. I am requesting immediate access to my funds via secure delivery or direct deposit.

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 2026-03-24 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: FL

Complaint narrative:
XXXX overdraft fees totaling {$210.00} were taken out of my account even though my account was current on that day. Please refund all XXXX fee 's immediately. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for a business complete checking account on XXXX in the XXXX, ca branch. I told the banker that I had XXXX promotion codes and wanted to enroll in this XXXX -- > XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX This provided me a better bonus for depositing {$20000.00}. However, I later learned I was enrolled in a lesser promotion of {$10000.00} for {$400.00} or {$2000.00} for {$300.00} with XXXX qualifying transactions. I want the original offer reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
Validation of Debt Request - XXXX - XXXX * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a fraudulent collection account that has been reported under my name without my authorization. I discovered a collection account listed on my credit report that I do not recognize and did not authorize. I have never entered into any agreement or financial obligation with this creditor or collection agency nor the company theyre acting on behalf of. This account appears to be fraudulent and may be the result of identity theft or reporting error. The name used is a name I have not went by since XX/XX/year> when I got divorced. My credit has always had fraud alerts and security freezes, I was never contacted for any accounts in Florida as I am a Texas resident. I have disputed this account with the credit reporting agencies ; however, it remains on my report and continues to negatively impact my credit profile. The creditor also continues to harass me with phone calls and text message. When I contacted the original creditor they do not call back. When I contact the collection agency they state they cant provide me information theyre just attempting to collect on a debt. I have been unable to get any adequate communication from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: RI

Complaint narrative:
I currently have student loan debt that I have been working to pay off. At XXXX point, I was contacted by a third-party company claiming to be debt collectors for my student loans. This initially did not make sense to me, as I already had an established payment plan in place. However, the company appeared legitimate, and after researching them online, I believed they were real. Based on that, I provided them with the information they requested. On XX/XX/year>, I fully paid off my student loans through the official loan servicer. However, on XX/XX/year>, the third-party debt XXXX withdrew {$160.00} from my account without authorization. When I called the number associated with this company, a woman answered. She spoke unclearly and behaved unprofessionally. I asked why money had been taken from my account after my loans were already paid off and requested a refund. She instructed me to send proof that my student loans were paid in full via email, which I did. She then stated that the issue would be resolved. Later that same day, I contacted the official XXXX XXXX XXXX customer service line to clarify the situation. I was informed that they do not work with third-party companies to collect payments on my loans. Based on this information, I contacted my bank and successfully obtained a refund of the {$160.00}. On XX/XX/year>, I received a call from the same debt collection company claiming that I had requested to speak with them, which I had not. During the call, the representative was rude and insisted that I needed to send additional proof that my loans had been paid off. I ended the call. Following this, I received XXXX emails from the same debt collector. The first email, sent on XX/XX/year> with the subject line XXXX XXXX, stated : Can you email me the receipt that this balance was paid in full : {$640.00}. I did not respond. The second email, sent on XX/XX/year> with the subject line XXXX XXXX, stated : XXXX XXXX of XXXX Florida, the balance in full is due and no payment has been made : {$800.00}. I have not responded to this email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent wire transfer processed through XXXX that resulted in financial harm to my business, XXXX XXXX. On XX/XX/year>, I received two payments via XXXX from an individual in XXXX ( name : XXXX XXXX XXXX ) in connection with the sale of sealed XXXX trading card products. The payments were : - {$1.00} USD ( initial test transaction ) - {$5200.00} USD ( main payment ) Total : {$5200.00} USD After confirming receipt of the funds, I proceeded to ship the merchandise via XXXX to the buyer. The shipment consisted of three boxes weighing approximately : - XXXX lbs- XXXX lbs - XXXX lbs At the buyers request, the shipping labels were provided by the buyer, who stated they had access to better shipping rates. I relied on this representation in good faith as part of completing the transaction. The XXXX tracking number for the shipment is : XXXX. After the shipment was already in transit, XXXX flagged the transaction as fraudulent and alerted my bank, Capital One. As a result, my bank froze the funds, initiated a fraud review, and subsequently closed my Capital One business account associated with XXXX XXXX. This sequence of events placed me in a position where : - I had already released goods based on what appeared to be a completed and valid payment - The payment was later determined to be fraudulent after processing- I was exposed to potential loss due to actions initiated by XXXX after the transaction was completed - My business banking relationship was disrupted as a direct result of this incident This transaction appears to involve either a compromised Wise account or unauthorized use of funds, including the possibility of intentional misuse of the payment system by the sender. I have since : - Filed a police report in XXXX ( Report No : XXXX ) - Filed a police report in XXXX XXXX XXXX XXXX XXXX Report No : XXXX ) - Worked with XXXX to place a hold on the shipment, which is currently under investigation My concern is that XXXX allowed and processed a payment that was later identified as fraudulent, without providing sufficient protection or timely notification before I relied on those funds to fulfill a transaction. I am requesting that XXXX : - Conduct a full investigation into the originating account and transaction - Provide documentation on how and why the transaction was initially approved and later flagged - Assist in resolving the financial impact caused by this transaction - Coordinate with Capital One to ensure proper documentation of the fraud determination - Support the issuance of written confirmation, including on Capital One letterhead, that the transactions in question have been flagged as fraudulent, so that I can provide this documentation to XXXX to support the return of my goods I have supporting documentation available, including police reports, shipment records, and communication logs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was looking to get crushed stone delivered to my house. I found an ad on XXXX XXXX and made plans for the seller on XXXX XXXX to deliver crushed stone to my house, seller name was XXXX XXXX. On or around XX/XX/year>, a company called XXXX XXXX in XXXX, PA delivered crushed stone to my property. After the delivery was completed, I was instructed by the individual on XXXX XXXX identifying as XXXX XXXX to send payment for the materials via XXXX. He directed me to send {$250.00} to XXXX XXXX ( phone number XXXX ) and asked me to send a screenshot confirming the payment, which I did. Approximately two weeks later, the company that delivered the materials returned to my property stating they had not received valid payment. They explained that the payment made to them had been disputed and reversed. As a result, they attempted to reclaim the materials that had already been delivered. In order to keep the materials on my property, I was forced to pay the company again out of pocket. This resulted in a direct financial loss of {$250.00} due to the fraudulent actions of the individual I originally paid via XXXX. This was not a legitimate transaction. The individual acted as a middleman and used fraudulent or invalid payment methods with the supplier while collecting payment from me through XXXX. This constitutes fraud by deception and misrepresentation. I contacted Chase Bank to report the incident, but they declined to reimburse or investigate further, stating the transaction was authorized. However, this situation clearly involves fraud and deceptive practices, not a legitimate authorized payment. I am requesting that this matter be reviewed as fraud and that I be reimbursed for my loss. I can provide supporting documentation, including transaction records, communication screenshots, and details from the supplier confirming non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Regarding my HSBC account been closed without any e~mail or notice, I need to know the detail information about 1.closing date 2.account balance when closing account 3. Regarding rule or law to close my account 4. Where is my account balance and HSBC has to payback with interest since the beginning until now. 5. Necessary compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
This has been an ongoing battle qirh aidvantage I have filed complaints on how I feel my account is being handled. I have had interest acrurred while it shouldn't have been with the multiple transfers from XXXX, XXXX, and now aidvantage. I have paid and paid on time. They turned off my auto draft with the forbearance I didn't request that loosing my .25 % interest rate reduction. I paid {$150.00} that barely went to principal at the beginning of this month. I chatted multiple times since then asking for a recalculation of my loan, how many qualified loam payments I have made, and for a payoff amount. At that time I've requested the payoff because I wanted to be done with it the chats continue to hang up on me or their ai bots won't answer the questions it's like talking in circles til it ends the chats. I have paid on this loan since XXXX. And they say I won't have it paid off till XXXX. This is really ridiculous and frustrating I can't even get them to give me the payoff and freeze the interest for the payoff to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Line 5, LLC
State: DC

Complaint narrative:
I have received calls and texts from this company demanding payment for a bill that is not my bill. I have never had an account with this company, or line of credit. I have blocked phone numbers and they will call and text from a different number. This is even when I respond to NOT contact me, nor call or text me again. I have had over XXXX means of contact, even after my request to not contact me. I asked for documents such as forward flow of agreement, chain of assignment, account level documentation and the balance due, if any when I received the first phone call. The Agent stated that this was my bill and I needed to provide a method of payment to satisfy the bill. I have never received any documents I asked for. This information was posted on my credit report, without permission and has caused me to have a decreased score, as well as, being declined for lines of credit. Per Account Line5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
Validation of Debt Request - NCB - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation