vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I paid this debt years ago To : XXXX XXXXXXXX XXXXXXXX Date : XX/XX/year> Account No : XXXX Amount : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
For over a year, I have been contacting AMERICANEXPRESS regarding harassing texts that I continue to receive regarding fraud notifications on accounts that do not belong to me. As well as security notifications on accounts that do not belong to me. Despite 15+ phone calls to AMERICANEXPRESS & 4 open escalated complains, I am still receiving these texts. I have asked numerous times for my phone number to be removed from anyone elses account that it is associated with. AMERICANEXPRESS has confirmed multiple times that my phone number is associated with a business account that I do not have any association with, however despite being told that they would remove my phone number from said account, that has yet to be done. I have also been told that my phone number has been removed from their dialer system so that the automated system could no longer send me texts, however I am still receiving these texts. I have a personal American Express card however I have done as I was advised and responded STOP to the texts when they have been received and yet I am still receiving these texts. Im unsure whether or not I would ever receive a text regarding fraud on my own personal account. However, I have over a years worth of texts regarding multiple other accounts of which also have included the last five digits of the account number and many times the account holders first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding actions taken by American Express on my credit card account, which I believe may violate the Equal Credit Opportunity Act and the Consumer Financial Protection Act. I have maintained this American Express credit card account for approximately XXXX ( XXXX ) years. My account has remained in good standing during that time. I have had no late payments, no delinquency, and no fraud or misuse on the account. I always have paid more than the minimum payments, and often significantly more. Recently, American Express restricted my ability to use the card for purchases without providing any prior notice, explanation, or adverse action notice. I only became aware that the account had been restricted when a legitimate purchase was declined at the point of sale. Prior to this transaction decline : I received no written notice I received no electronic notice I received no explanation for the restriction I was never informed that future use of the account would be denied or given the opportunity to address their concern. Because the restriction effectively prevented further use of the account for credit transactions, this appears to constitute a denial or revocation of credit. Under the Equal Credit Opportunity Act and Regulation B ( 12 CFR 1002 ), creditors must generally provide an adverse action notice when credit is denied or terms are negatively changed following a review of an account. American Express has not provided such notice. Additionally, restricting the account without informing the consumer may constitute an unfair practice under the Consumer Financial Protection Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), as the consumer had no reasonable way to avoid the harm caused by the undisclosed restriction. I respectfully request that the CFPB investigate the following : Why American Express restricted the account without notice. Whether this action constitutes adverse action requiring disclosure under Regulation B. Whether the failure to notify the consumer constitutes an unfair or deceptive practice. I have since paid more than the requested amount, and they did restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am reporting a sophisticated fake check and cryptocurrency fraud scheme involving a coordinated fraud network and Wells Fargo Bank. On XX/XX/year>, I received an interview invitation from XXXX for a remote Data Entry Clerk position at " XXXX XXXX '' On XX/XX/year>, I received a fraudulent check from XXXX ( XXXX XXXX ) with instructions to deposit it via mobile banking for the stated purpose of paying for a " software subscription. '' Wells Fargos mobile banking app software indicated that the check had cleared based on the image of the check, not that it had contacted and confirmed the funds from XXXX XXXX. This is how these bad actors can game the system. After depositing the check, I was directed to XXXX XXXX XXXX to complete the software payment using cryptocurrency ( Bitcoin wallet address : XXXX ). Technical analysis reveals that both XXXX and XXXX resolve to the same server IP address ( XXXX ), hosted by XXXX XXXX XXXX XXXX in XXXX, proving they are operated by the same criminal organization. Email metadata shows the scam operation initially used XXXX servers ( IP XXXX, XXXX XXXX, CA ) for email hosting with properly configured authentication ( XXXX, XXXX, XXXX all passed ) to appear legitimate. So, the email servers operated by XXXX, XXXX. ( corporate headquarters : XXXX XXXX, California ; datacenter location : XXXX, Arizona ) at IP addresses XXXX and XXXX, while the fraudulent websites are hosted on XXXX servers ( IP XXXX, XXXX XXXX XXXX XXXX. The check amount was {$1800.00} and I was instructed to send {$1800.00} in cryptocurrency to their Bitcoin wallet. I have initiated a report with Officer XXXX XXXX at the XXXX XXXX Police Department, Criminal Investigative Services XXXX, FBI, both bank fraud departments, and submitted abuse reports to XXXX and the hosting provider. This is a classic fake check fraud combined with cryptocurrency theft where victims deposit bad checks, send cryptocurrency for fake purchases, then owe banks when checks bounce while cryptocurrency is irreversibly stolen. The shared server infrastructure demonstrates that this is an organized, premeditated fraud operation spanning multiple domains and jurisdictions. I did receive a response from XXXX who took down their website and the Federal Trade Commission stated this report was, entered in the FTC 's Consumer Sentinel database and will be available to federal, state, and local law enforcement across the country. On XX/XX/year>, I submitted via all pertinent information to XXXX XXXX XXXX at the Wells Fargo, XXXX, NJ branch and received no response. I would like to know why Wells Fargo has, until now, taken no responsibility for their role in this criminal activity and am genuinely concerned about their lack of security as it regards their other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
A tax refund of {$7000.00} processed through XXXX was mistakenly sent to the wrong account at Chime due to a data entry error. The mistake was identified before the deposit posted, and both the bank and the account holder were notified immediately that the funds were not intended for that account. At that time, I was informed that per Chimes policy deposits should not be released when the name on the incoming deposit does not match the name on the account. Despite this, the deposit was still released due to a processing error. After the funds posted, the account holder was again notified immediately that the money was not hers and that a reversal request had been submitted. The banks were contacted and we were advised that the funds would be reversed. However, shortly after the deposit posted, withdrawals and transfers began occurring from the account. Transactions included multiple withdrawals and transfers to other accounts and third parties after the account holder had already been notified that the funds were sent in error. Chime later advised that emails had been sent to the account holder requesting that she return the funds so the reversal could be processed, but those instructions were not followed and the funds continued to be spent. Because the funds were not recovered, I was required to reimburse the taxpayer the full {$7000.00} out of my own pocket. I contacted Chime multiple times requesting assistance reversing the mistaken deposit and clarification as to why the deposit was released despite their policy regarding name mismatches. I am requesting a formal explanation as to why Chime released the deposit despite being notified of the error beforehand and why the reversal request submitted by XXXX was not executed once the error was identified. I am also requesting review of whether Chime followed its internal policies and regulatory obligations regarding mistaken deposits and recovery procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I called XXXX XXXX in XXXX about deferring a payment or set up an account for other cards other than XXXX or XXXX on XX/XX/year>. XXXX XXXX i was told sent a tow truck to the property to reposses a XXXX that isnt even that far behind they acting like it is {$5000.00} behind. They tried sneaking onto the property that clearly has private property sign according to my sister and they were told I don't live at that address anymore but they tried sneaking onto the property with the tow truck looking for the XXXX on between XXXX. She seen them backing the tow truck up. I asked for a deferral or someway to lower the payments until I have employment. The employee telling me to borrow the money from a bank to pay them the {$1400.00} and they are buffering the pay off amount as well. They guy telling me to put myself in more debt just to pay them and want to reposses the XXXX just so I will still pay the money while they sell the atv. They refuse to help any way possible I went through to people the first lady would not give me any information regarding my account. They blocked my online access as well as blocked the phone line access to the payments. They said they did that so I would have to talk to them. I have been trying to get them to work out something way lower until I get back on my feet and the second individual was guy who said put yourself in more debt and borrow the money from somewhere else so that you pay us. This is very unacceptable behavior and violation of people rights. They were told it wasnt at the location and they harassing to find it to reposses it to sell it and I still be stuck with paying them and no vehicle and I will not do that. I cant help the economy put me out of work and it is hard finding a job now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am filing a dispute regarding a gym membership with Urge Fitness that I believe I was enrolled in under misleading circumstances. When I visited the gym, I believed I was signing up for a month-to-month membership or single session workout. At no time was it clearly explained to me that I was being enrolled into a 12-month contract. If I had been aware that the membership required a full year commitment, I would not have agreed to it. After realizing the membership was a yearly contract, I contacted the gym to cancel. I was told that cancellation was not allowed and that I would have to submit a written letter. I followed these instructions and personally delivered a cancellation letter to the gym on four separate occasions. Each time, staff accepted the letter, yet later the company claimed they never received it. I made multiple attempts to resolve this issue directly with the company but was unsuccessful. I believe the membership terms were not clearly disclosed and that I was misled into a long-term contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am filing this formal complaint against Goldman Sachs Bank USA ( Apple Card ) for a repeated failure to conduct a reasonable investigation into a billing error ( Dispute Case : XXXX ), totaling {$990.00}. Despite submitting conclusive evidence on six separate occasions, Goldman Sachs has summarily rejected my dispute, ignoring the merchants own admission of fault. Timeline and Actions Taken : Transaction Date : XX/XX/year>. Merchant : XXXX ( XXXX XXXX ). The Issue : I ordered watches that were never delivered. The carrier ( XXXX ) tracking numbers are marked as 'Expired ' and have shown no movement since XX/XX/year>. Merchant Admission : In chat logs provided to Goldman Sachs, the merchant explicitly admitted, 'Maybe the courier lost the package. ' False Refund Claim : The merchant claimed a refund was arranged. I have provided Goldman Sachs with my full transaction history proving that no credit ( + {$990.00} ) was ever received. My Actions : I have attempted to resolve this in good faith 6 times through the dispute process. I have also filed an official report with the FBI Internet Crime Complaint Center ( IC3 ), Submission ID : XXXX. Company Response : Goldman Sachs has closed the case in the merchant 's favor every time. They have failed to address the specific evidencenotably the merchant 's admission that the package was lost and the lack of a corresponding credit on my statement. This refusal to acknowledge clear proof of non-delivery is a violation of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: PA

Complaint narrative:
TekCollect is reporting a collection account related to XXXX. Treatment services were never completed before XXXX ceased operations via bankruptcy, making the balance inaccurate. I disputed the account with XXXX and it was verified without proof of services rendered. I also never received a required debt validation notice from TekCollect after they began reporting this account. I request documentation proving completed treatment services and legal authority to collect or removal of the account from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C 1681s-2 ( a ), ,data furnishes are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP

Complaint narrative:
Situation I received a bill in XXXX for over {$200.00} ( annual fees + late fees + interest ). I believed this credit card account was closed years ago. I never activated the replacement card sent to me and never received statements. The replacement card has no annual fee. All charges come from the old, unused account, which I believe is unfair. Request Waive late fees and interest. Close this credit card account to prevent future charges. If necessary, I am willing to pay the annual fee only.

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

Complaint narrative:
I have been disputing this information for years and for some reason its coming back accurate. Where is the proof and the documents thats signed I need to see it. Also I want to know why my ex boyfriend put me as an authorized user on his XXXX XXXX account and its still on my credit I dont know why. I need all this to come off my credit report. These are charge offs without written consent.

Company response to consumer: Closed with explanation