vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION 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 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
- order product on XX/XX/year> - product says delivered on XXXX - no product was delivered, but stated XXXX XXXX confirmed XXXX was allegedly here. - filed dispute with Affirm to get the case looked at, but was ruled in favor of XXXX XXXX - sent email to XXXX XXXX stating how disappointed they are unwilling to refund or make things right - filed dispute with Bank as I never received the product and not going to pay for something i never received - once chargeback came in, Affirm then recharged me for the product - so even if bank charges back, Affirm will recharge and it's an endless circle - ANOTHER dispute opened with Affirm while this complaint is active

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULLCITY FINANCIAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL XXXX 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 2026-03-04 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
asked for verification of debt they never provided it. I never entered into a contract or contacted them for any reason to acquire debt. MIDLAND CREDIT MANAGEMENT is a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I discovered while attempting to connect my XXXX account for tax preparation on XXXX/2026 that my Wells Fargo business checking account had been closed due to a small negative balance of approximately {$2.00} that occurred in XXXX. The negative balance appears to have been caused by a monthly account maintenance or low balance fee rather than a withdrawal or transaction made by me. I received no email or mailed notice warning that the account was negative or in danger of closure. I discovered the issue while trying to sign into online banking. The website displayed an error and instructed me to contact customer service. I called on XXXX/2026 and accessed my banking information through the automated phone system. During that call I was able to hear recent transactions, including a deposit entry of {$0.00} on XXXX/2026. There was no mention that the account was no longer active. The automated system also prompted me to reset my password to regain access to online banking. I followed the reset prompts but still could not access my account online. I contacted customer service multiple times on XX/XX/year>. During my third call I was informed that the account had already been closed. I was not provided with the exact date of closure, nor was I told whether any notice had been sent prior to the account being closed. During my call with customer service to understand the account closure and request assistance, the representative stated she would check whether the account could be reopened. While discussing my concern that I had not received any email or mailed notices regarding a negative balance or potential account closure, and that the email address I provided was apparently not the one on file, the representative stated she could no longer hear me and disconnected the call. I had not muted my line and even attempted switching my audio connection from my computer to my cell phone and back during the call. This left the issue unresolved. The representative also did not identify themselves by name at the beginning of the call, which made it difficult to document who I spoke with regarding the issue. This account is used for a seasonal small business, and the closure occurred without any communication despite Wells Fargo sending other marketing communications during that time. Had I received proper disclosure I could have resolved the issue and prevented any issues as I prepare my taxes. I am requesting confirmation of what notices were issued and assistance obtaining my account statements needed for tax preparation.

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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a XXXX XXXX credit card through Capital One and later received a letter requesting verification of my drivers license and Social Security number. I submitted the requested documents as instructed. However, my application status still shows pending, and I have been waiting for a response for quite some time. I would like to confirm that my documents were received and ask if there is any additional information needed to complete the review of my application. XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: AR

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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a merchant using my account to spend money and when reporting to them bank, they helped me with one of claims but are refusing to help with the other. I had a total of {$3000.00} spent on my account. XXXX was on my credit card and XXXX was on my checking. I provided camera footages of me at work during time of transactions and they helped me with the first part of the claim XXXX but now are refusing to help me with the second part XXXX. I opened this claim on XX/XX/XXXX and it is now XXXX XXXX. I had to take a loan to pay rent last month and I cant afford to do the same again .. I should not have to do all this .. my bank is refusing to help me because they keep saying give us 48 hours I have been calling non stop and been put on hold for hours just to have the staff laugh and hang up on me.. this is very unprofessional- I have been a customer for 12 years and never had an issue, this is a terrible way to treat long term clients and veterans!!

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cannon Finance, Inc.
State: AR

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of any interest, fees, or additional charges. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that your agency is licensed to collect debts in my state ( if required ). 5. Documentation showing that you have the legal authority to collect on this debt. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. This letter is not a refusal to pay, but a notice sent pursuant to federal law requesting validation. I expect your response within 30 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union because I have been denied the ability to open a bank account without being given a clear or specific reason. I applied to open an account on [ insert date ], and I was informed that I was not eligible. I requested clarification regarding the reason for denial but was not provided with a detailed explanation or any documentation supporting the decision. I have not been informed of any specific negative information, nor was I given instructions on how to dispute or correct whatever is preventing me from opening an account. I believe I am being unfairly denied access to basic banking services. If a third-party consumer reporting agency ( such as XXXX or XXXX XXXX XXXX ) was used, I was not properly notified of the specific reason as required under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: SC

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am formally requesting validation of the alleged debt you are reporting under : Account Information CAINE & WEINER XXXX XXXX XXXX XXXX XXXX I dispute this debt in it s entirety. Please provide : Original signed contract Full accounting of charges Proof of assignment to you agency Proof this debt belongs to me Until validation is provided provided, you must cease collection and reporting under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XX/XX/XXXX contacted CITI XXXX unit. Spoke to XXXX, confirmed a case was open for my CITI XXXX XXXX card. XXXX XX/XX/XXXX contacted XXXX XXXX, as they did not follow up with me in 48 hours as they said they would. Spoke to XXXX, had it escalated to a supervisor named XXXX. Seems my case was closed. Was informed the case was being reopen. XXXX XX/XX/XXXX, contacted CITI XXXX, spoke to an XXXX about mu CITI XXXX card. Confirmed benefits were only applied for a 9-month period in XXXX. The previous 17 years were ignored. Still no resolution. CASE ID XXXX XXXX XX/XX/XXXX, contacted CITI, XXXX, spoke with a XXXX. No update on interest return. Also said he would contact his supervisors and call me back in 48 hours. Still no return call. CITI is obligated to return to me interest charged over 6 % since I have been XXXX XXXX. I have been XXXX XXXX for the past 17 years. CITI seems to be deliberately stonewalling me.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding # XXXX. Original Creditor Total Card XXXX XXXX XXXX. Several attempts to disputed information as far back at XX/XX/year>. Asked LVNV to provide proof from original creditor contract, last payment amount, etc. LVNVnever verified the account only stated information was accurate. Request LVNV delete this debt from all credit reporting agencies due to inability to provide account verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I currently have an auto loan serviced by Chase Bank. Recently, I attempted to obtain basic information about my loan, including the current payoff amount and loan balance, so that I could understand the status of the account and make informed financial decisions regarding my vehicle. I initially attempted to obtain this information through Chases standard customer service channels. When I was unable to get the information I needed, I sent follow-up emails requesting clarification about my loan and asking for the relevant account details. Despite these attempts, I did not receive responses to my emails or the information I requested. This situation has continued into XXXX and has made it difficult for me to properly manage the account and ensure that my credit is not negatively affected. Additionally, I am hard of hearing and have difficulty resolving issues through phone calls. Because Chase has not responded to my written communication, I have been unable to obtain assistance through an accessible communication method. I am simply trying to obtain accurate information about my loan so that I can properly manage the account and avoid any negative financial or credit consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
Hi, I have been a customer of Citibank and having this account for more thanXX/XX/XXXX years, from the time I used to live in the US. Since I moved outside the country, it is impossible to transact, make wire transfers or access the funds on the account. I have the debit card data, the account number data, SSN, password, pin and security word, I pass all these security questions, but then they say that they need to call me. Since I am outside the US, the call does not go through, and although they accept that the call is not going through from their side, they locked me out of the account. They said they will send letter in about XX/XX/XXXX days with instructions. The issue is that I need to access my fund due to emergency reasons and I cant. I did call and requested to speak to a supervisor to understand what is the issue, why when I pass all the other security questions and pins and passwords, how they do not grant me access to the funds. And on tops of that why they cant make the call since I give them the right information. Totally abusive and arbitrary attitude, that goes beyond security ( since I can verify in every possible way the security questions ). I expect them to rectify the issue and compensate me for all the lost time (XX/XX/XXXX on the phone ) and for the issues and inconveniences they created for me. Many thanks in advance

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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On the morning of XX/XX/scrub> 2026, I received XXXX emails from Chime stating that my Chime XXXX account was temporarily on hold. The XXXX email instructed me to re-enable my account by submitting the front and back of my drivers license or state ID, along with a utility bill or similar proof of address. I completed these steps promptly. I contacted Chime support and was advised to check the back of my debit card to see whether it was issued by XXXX Bank or XXXX XXXXXXXX Bank. The card listed both, so I called both banks. Neither bank could provide any information ; they stated there was no record of a legal hold or garnishment, and that the issue appeared to be an internal compliance matter. Despite banking with Chime for nearly XXXX years without issue, I could not access my Chime XXXX credit card account, my entire checking account, or the Chime app itself, and the representatives were unable to provide meaningful information or a timeline for resolution. This has been extremely detrimental, as I was scheduled to receive a direct deposit today. Being unable to access my paycheck on the day it was deposited has caused significant financial consequences, including the inability to pay bills and other essential obligations. I am grateful that I had no significant funds in the account at the time, but the lack of communication and clarity has caused substantial stress and uncertainty.

Company response to consumer: Closed with explanation