vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
I am submitting this complaint as a new-development update regarding First National Bank of Omahas continued refusal to correct the harm caused by a credit limit reduction that followed my complaint activity and arbitration demand. On XX/XX/year>, I filed a complaint challenging the companys conduct. On XX/XX/year>, I filed an arbitration demand with the XXXX XXXX XXXX under the arbitration provisions the company required in its cardmember agreement. After that demand was filed, on XX/XX/year>, the company reduced the credit limit on a second credit card account. That reduction closely followed my complaint activity and arbitration demand. On XX/XX/year>, XXXX declined to administer the arbitration because the company failed to comply with XXXX consumer requirements and/or had removed itself from the Consumer Clause Registry. In other words, the company required XXXX arbitration in its consumer agreement, but when I actually invoked that process, XXXX would not administer the case because of the companys own noncompliance. The company then denied retaliation, defended the reduction as proper, and maintained that position throughout federal litigation. It has continued to stand by the adverse action and has not provided meaningful corrective relief. I have now appealed the dismissal of that case to the United States XXXX XXXX XXXX for the XXXX XXXX. This is not a duplicate complaint. It is a complaint about the companys continued refusal to correct or meaningfully review the harm after the original complaint, after arbitration failed because of the companys XXXX noncompliance, after litigation, and now during appeal. The reduced limit increased my utilization, damaged my credit profile, and caused continuing financial harm and stress. I am requesting a full written explanation of the actual reasons for the XX/XX/year> credit limit reduction, confirmation of whether my complaint activity or arbitration demand played any role in that action or the later refusal to restore the limit, review of whether the adverse action notice was sufficiently specific, and appropriate corrective action, including restoration of the affected limit or other meaningful relief.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX XXXX two unauthorized withdrawals were made via XXXX were made from my account. XXXX for {$2000.00} and XXXX for {$500.00}. I notified the XXXX XXXX Department that day. They told me they wouldn't pay out the money. They did. I was told i would get credited the amount eventually. i was then told the debits would stay as i authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one credit card charges to much in interest There is a class action suit against the company and I would like to be added to the class action due to unlawful practices. I believe my credit profile has been affected by these unlawful practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received communication from this company via email on XX/XX/XXXX for a debt I allegedly owe. I did not recognize or claim this debt, so I sent a debt validation letter to them via certified mail XX/XX/XXXX. I never received this validation letter to my requested address, nor did they ever contact me again after I sent this. They are still reporting to the credit bureau that I have a collections account with them, even though they did not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw funds from the Bank of America ATM located near XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. Upon inserting my card, the ATM machine was clearly malfunctioning, with extremely slow responses to touch inputs. It would not respond on 2 insert attempts, and ejected my card each time. I was attempting to do a quick withdrawal of {$200.00}. On the third or fourth entry, I proceeded beyond the quick withdrawal screen, entered {$300.00}, at which point it froze and would not eject my card. I called the phone number on the ATM and was on hold, when it finally dispensed {$300.00}. I was able to eject my card, hung up the phone and left. The next day, I saw that there were 2 charges against my account for withdrawals, XXXX for {$200.00} and XXXX for {$300.00}. Only the {$300.00} was dispensed. I filed a claim with Bank of America, which was ultimately resolved with a simple/non-informative message of : " We've completed our review of this claim and determined that funds were dispensed in the amount requested. ''

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 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX at XXXX MST -Appointment with bank to retitle checking and savings account from our names to established Revocable Trust -Bank employee XXXX XXXX advised we can only open new account. -We provided Certificate of Trust documentation and also documentation on IRS regulations detailed in 26 CFR 1.671-4 ( b ). -Bank employee XXXX XXXX accepted all documents and stated he would send them to his legal department for their permission to just retitle and not open new account. He said he would call us with an answer, but sure it would be a no. XXXX -Received a call from XXXX -Answered and XXXX XXXX identified himself and advised their legal department said no. I advised him the company was not following the law. He said that was their answer. I asked for written documentation of the XXXX departments answer and he said he could not send it because it was on an internal messaging system and not email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing in response to your [ letter/phone call ] dated [ date ] ; a copy of which is attached for your reference. I do not recognize this debt and am requesting that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), Sections 809 ( b ) [ 15 U.S.C. 1692g ]. As per the FDCPA, I am entitled to request specific information to verify the debt : 1. Proof that you own or have been assigned the right to collect this debt : This includes a copy of the original signed loan agreement or credit card application demonstrating your legal right to collect the debt in question. 2. Detailed debt accounting : This should include a complete breakdown of the debt amount, including any fees or interest. 3. Verification of the original creditor : This document provides the name and address of the original creditor and clarifies the current balance owed. 4. Paperwork proving that the statute of limitations has not expired : If the statute of limitations has expired on this debt, you can not legally collect or report it. Please provide a detailed explanation confirming that this debt is within the statute of limitations. Additionally, until you provide this verification under Section 809 ( b ) of the FDCPA, you must cease collection activities. Consequently, you must not report this debt to any credit reporting agencies until you have fulfilled my validation request. Reporting any unverifiable debt can be seen as a violation under the Fair Credit Reporting Act ( FCRA ), and I reserve the right to take appropriate legal action should that occur. Please treat this letter as a formal dispute under Section 611 [ 15 U.S.C. 1681i ] of the CRA and ensure all items are corrected with any applicable credit reporting agencies until satisfactory validation is provided. 1 kindly request that you respond in writing within 30 days of receiving this letter. If you can not validate this debt, please confirm in writing that you have ceased collection efforts and informed the credit reporting agencies of the correction. Thank you for your attention to this matter. PS : Please notice that, depending on your answer, 1 may communicate any issues with your company through online public press releases and cloud-based communication of your actions to the Consumer Financial Protection Bureau , the Attorney General 's Office , and the XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-03-18 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: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I recently opened a secure credit card by giving the company {$500.00} down to secure a credit of {$500.00} however when I got the card they charge me {$120.00} for the year. I made a payment before receiving a statement on XX/XX/XXXX I went to make a purchase and it was declined. I then contacted the company to see why it was declined. This would have been my first purchase and there I noticed a charge of {$350.00}. I told them I did not authorize anyone to use my card. No one had a hold of my card. They told me to cut the card up and they would send me out a new one they would then do a fraud investigation and send me a letter stating that I did not make those charges or give permission to use those charges. I never received the letter then on XX/XX/XXXX I made a payment of {$43.00} and my payment was not due yet. I didnt see a charge come across my phone for {$50.00} that they were trying to take but my car was locked so they couldnt receive it so I called them and was informed that XXXX not on auto pay. They dont know why that {$50.00} is coming out two days later I got another charge for {$50.00} in the next day for {$50.00} that could not be credited because my card was locked but at that time I did not owe the payment so the charges was disputed then on XX/XX/XXXX I received a statement. The statement is telling me that my total amount due is one XXXX due onto two XXXX. I made a payment on XX/XX/XXXX of {$43.00} and then on XX/XX/XXXX received a letter stating that my current balance is zero and my current payment due is zero Ive been emailed and was given a tracking number. I called again and was told that I would be receiving a check and that they had closed my account prior to that. I was told that they were mailing me out a new card. I have called today and they said the account is closed and I owe {$520.00}. I need some assistance because Ive talked to a manager in several agents. Ive called at least 12 times from XXXX till now please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I refinanced my mortgage with a different lender in XX/XX/year>. I asked specifically to the new loan officer if I had to make XXXX mortgage payment with XXXX. I have in writing from the loan officer No. Not for XXXX payment XXXX payment is included with the payoff. The payoff was good through XX/XX/XXXX. The check was issued in the amount of {$360000.00} XXXX cashed the check and then sent it back after 2 weeks after for a shortage in the amount of {$610.00} ( {$360000.00} ) due to payoff requests. Not a missed mortgage payment. Because of this discrepancy I now have two active VA Home Loans for the same property. Both companies stating theyre first lien holders and I owe over {$12000.00} for their mistakes. Ive contacted both companies numerous times to get this resolved. Its going on six months without any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 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
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
A purchased a XXXX gift from XXXX using my Apple XXXX. The item arrived and I gave it to the recipient on XXXX XXXX. It was discovered the item was defective and I immediately reached out to the merchant ( XXXX ) on that same day. XXXX said they do not accept returns for XXXX gifts, despite me being the original purchaser and having a copy of the receipt. I reached out to XXXX who said they would charge back the merchant. After several weeks, the charge reappeared on my card. I have disputed the transaction, several times, and each time Apple says they will take care of it. Each time the charge is made again on my card. I reach back out to Apple and they say that XXXX claims to have not received the product back. I have tried on multiple occasions to get the product back to XXXX, but they refuse. That is why I initiated the chargeback. I should not be charged for a defective product. I have always been willing to ship the product back if XXXX provides a return shipping label but they have refused multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Experian Information Solutions Inc.
State: NJ

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 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 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account with XXXX XXXX was included in my XXXX XXXX bankruptcy and legally discharged in XXXX. Despite this, the account continues to be reported as a charged-off account, which is inaccurate and misleading. On XX/XX/XXXX, I sent certified letters to both XXXX XXXX and National Credit Adjusters LLC requesting validation of the debt and correction of the reporting. I have proof of certified mailing. The companies failed to provide proper validation or correct the inaccurate reporting. Instead, the account continues to appear on my credit report in a way that negatively impacts my creditworthiness. Additionally, the debt was sold to a third-party collection agency, yet the original creditor is still reporting the account inaccurately. This creates duplicate and misleading reporting. This behavior violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as the bankruptcy discharge injunction under 11 U.S.C. 524. I have made multiple attempts to resolve this matter directly, but the companies have failed to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because there are late payment remarks on my credit report that are completely inaccurate. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
THIS COMPANY IS REPORTING NEGATIVE AGAINST ME SAYING I OWE THEM MONEY.I HAVE NEVER DID ANY BUSINESS WITH THIS COMPANY NOR HAVE A CONTRACT NOR LEASE WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Experian Information Solutions Inc.
State: NC

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 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a bill XXXX day of XXXX from citi bank. I never opened an account with citi bank so I called and initiated an investigation on XX/XX/XXXX. They concluded the investigation on XX/XX/XXXX as account is not fraudulent. However that is false and a proper investigation was not completed. I had my identity stolen and they opened an account with previously XXXX XXXX and chase bank. All cases were determined to be fraud and closed. I reopened the investigation XX/XX/XXXX. I submitted the XXXX XXXX proof to citi bank as part of the investigation. I have not heard back from them. I completed a police report however the police are requiring an affidavit from citi bank to access my information. Citi Bank is saying they do not have an affidavit. The police can not do the report without that. How can they not have an affidavit, this seems suspicious. I also placed a fraud alert on my credit. Citi Bank is not cooperating with the investigation to resolve this fraud account. They want me to pay it and that is absolutely theft from their victims.

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 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
am submitting this formal complaint regarding a loan I obtained from NetCredit in XX/XX/year>. After entering into the agreement, I began making payments as scheduled. However, I later discovered that the terms of the loan were not accurately represented to me at the time of signing. Specifically, NetCredit applied additional interest charges and fees that were never clearly disclosed or explained during the loan process. These unexpected charges significantly increased the overall cost of the loan and were not part of the terms I understood or agreed to. My attempts to address this issue directly with NetCredit have not resulted in a satisfactory explanation or resolution. I am requesting a formal review of this matter, including NetCredits disclosure practices and the legitimacy of the added charges. I believe these actions were misleading and may violate consumer protection standards. Thank you for your attention to this issue. I appreciate your assistance in helping resolve this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation