vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have the 5 % XXXX XXXX Rewards Card. So far, I've spent over {$12000.00} on XXXX, and after checking my rewards, I noticed I've only been getting 1 % on my XXXX purchases. I contacted XXXX, and they told me to contact Chase, who handles the Rewards. I contacted Chase, and they confirmed there is a problem and it's not correct. They proceeded to file a ticket and said it would be fixed. The issue never got fixed, so I called back and got transferred to a supervisor. They confirmed they aren't able to do anything with the ticket, and they can't fix the problem. The supervisor 's name was XXXX, spoken to on XX/XX/year>. Case # XXXX I'm now out of options other than filing this with you guys at the CFPB or filing in small claims court.

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 was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act. I dispute the validity of this debt and request that you provide competent evidence that I have a legal obligation to pay it. Please provide the following documentation : The name and address of the original creditor. The full amount of the alleged debt, including an itemized accounting of interest, fees, or other charges. Copies of any contracts, agreements, or documents bearing my signature that show I agreed to assume this debt. Documentation proving your company has been assigned or has the legal authority to collect on this debt. Proof that your agency is licensed to collect debts in my state. Be advised that until you provide proper validation of this debt, you must cease all collection activities, including reporting or continuing to report this account to any credit reporting agencies. If this account has been reported to any credit bureaus such as XXXX XXXX XXXX XXXX without proper validation, I request that it be immediately removed or marked as disputed. Any attempt to collect this debt without providing the requested validation may constitute a violation of the Fair Debt Collection Practices Act and other applicable laws. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing a complaint regarding an account reported by Affirm Inc. in the amount of {$150.00}. I sent three written requests ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX via certified mail ) requesting clarification and documentation regarding this account, including whether IRS Form 1099-C was issued, as required under 26 U.S. Code 6050P. Affirm Inc. has failed to provide any meaningful response. Key issues : The account is being reported as charged off No confirmation has been provided regarding whether the debt was canceled, discharged, or remains collectible No documentation or validation has been provided despite multiple written requests These failures raise serious concerns under : FCRA 1681s-2 ( accuracy and completeness of reporting ) IRS reporting obligations under 26 U.S.C. 6050P Requested resolution : Conduct a proper investigation Provide written confirmation whether a 1099-C was issued Correct all inaccurate or incomplete reporting Delete the account if it can not be verified as accurate and compliant

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: NV

Complaint narrative:
I paid a company approximately {$700.00} after they promised XXXX remove my collection account from my credit report. They clearly stated that the debt would be deleted once I made the payment. After receiving my payment, they did not remove the collection account as promised. The debt is still showing on my credit report, XXXX they have not fulfilled their agreement. I feel misled XXXX deceived, as I paid specifically for this service XXXX did not receive what was promised. This appears XXXX be a false representation of their services. I am requesting that this issue be investigated XXXX that the company be held accountable. I also request either the removal of the collection account as promised or a full refund.

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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ). I am demanding that your company immediately stop all communication XXXX collection activity regarding any alleged debt you claim I owe. I do not acknowledge or accept responsibility for this debt, and you have failed XXXX provide any valid proof verifying its legitimacy or my obligation XXXX pay it. Your ongoing contact attempts, collection actions, XXXX credit reporting have caused unnecessary stress XXXX harm XXXX my credit reputation. As you are well aware, XXXX a consumer issues a written cease XXXX desist, you are legally prohibited from making further contact except XXXX confirm compliance or notify of specific legal action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX, I am entitled XXXX an accurate credit report. I request a review of these entries, XXXX 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 2026-03-24 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: Experian Information Solutions Inc.
State: MI

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 2026-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Citizens Debt relief LLC
State: TX

Complaint narrative:
Ive attempted to contact this company multiple times via email phone and text. I told him I want to withdraw from the program that my credit cards are paid off now. I do not need any of their services in nor did they provide any. I want them to stop deducting money from my checking account immediately and they have ignored all my request, written and verbal. They continue to take money from my checking account even though I notified them that I was withdrawing from that program Ive made no less than 10 attempts and I even got a text message back from XXXX XXXX. Acknowledging my desire, but nothing has changed. They still take money out.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Good morning, XXXX has frozen my account since XX/XX/year> for unknown reason and asked me to upload my driving license informations which I did 3 times. I have contacted XXXX at the only number available at least 20 times and made 4 separate requests. Each request was escalated and I received each time an e mail from XXXX telling me that some other team will respond. But no one has. XXXX is holding {$150.00} of my money, a payment made on XX/XX/year> and other clients of mine have been unable to pay me trough XXXX. I also called PayPal, their parent complaint and received no help except to suggest to call XXXX. Please help me obtain a response from XXXX, release the funds or for them to unfreeze my account. It is quite odd that I am unable to reach someone at XXXX who can help. Thank you for your time and attention. Kindly, XXXX

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 was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, 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 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 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously file a complaint case XXXX. I received a response thru CFPB XXXX, citi bank considered case closed XXXX explain that from time XXXX time they have the need XXXX close account, for their own purpose. they are unable XXXX specify the specifics just said refer the the terms XXXX conditions. I do not care that they close my account, I want the XXXX balance XXXX be mail XXXX me soon as possible. Citi bank does not have right XXXX with hold my fund. I request immediate refund of the XXXX balance.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a refund from a merchant ( XXXX ) that was sent XXXX my Cash App account. Cash App failed XXXX credit the refund XXXX my account XXXX has denied my claim without properly investigating or providing a trace of the funds. I am requesting that Cash App locate the refund, provide a trace number, XXXX credit my account immediately or explain where the funds were sent. This is a failure XXXX properly process a valid refund XXXX a lack of transparency regarding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AL

Complaint narrative:
b'Dear CFPB\nCOMPELLING EVIDENCE INCLUDED.\n\nWITH SAFETY AND LOVE FOREVER, \n/S/ XXXX XXXX XXXX MD\nPHONE: XXXX \nEMAIL: XXXX

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 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
Recently I went XXXX purchase a new car, XXXX found that my identity had been stolen, XXXX used XXXX purchase XXXX finance a vehicle with EXETER FINANCE. The current balance due on my credit report shows {$24000.00}. I DO NOT have a vehicle financed with Exeter Finance. I have filed an FTC Identity Theft report ( attached )

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 was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am formally disputing a 90-day delinquency reported by Nelnet for XX/XX/year> ( Acct XXXX ). Nelnet denied my internal dispute on XX/XX/year>, but their reporting is a direct violation of mandatory due diligence under 34 CFR 682.411. 1. Breach of Telephone Contact Requirement ( 682.411 ( d ) ( 1 ) ) : Federal law requires that between 16 and 180 days of delinquency, a servicer MUST engage in at least four diligent efforts to contact the borrower by telephone. Nelnet failed this requirement. I have maintained a 10-year perfect payment history; had Nelnet attempted a single phone call to my verified number on file, this oversight would have been resolved instantly. Electronic " portal notices '' do not satisfy this statutory telephone requirement. 2. Reporting Ambush ( Procedural Error ) : Nelnet bypassed the 30-day and 60-day reporting intervals, jumping directly to a 90-day derogatory mark. This denied me the standard warning period intended by the FCRA and the Department of Education guidelines. 3. Documented Medical Hardship & Good Faith : This oversight occurred during a medical emergency ( Exhibit A ). Immediately upon discovering the error, I paid {$860.00} ( Exhibit B ).

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 was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Issue : Incorrect fees or charges Complaint : I am submitting a complaint regarding improper late fees assessed on my Comenity Bank XXXX credit card account. On XX/XX/year>, I logged in to make a payment and paid my account balance in full. Although the payment was submitted shortly after the XXXXXXXX XXXX XXXX cutoff time, it was made on the due date in good faith and fully satisfied the balance owed. On XX/XX/year>, a Comenity Bank representative confirmed in writing that my account balance was {$0.00} and that no late fee had been assessed at that time. I was also explicitly instructed to contact them if a late fee later appeared so it could be reviewed for removal. Despite this, late fees were subsequently applied to my account. I followed the instructions provided and contacted Comenity Bank to request removal of the fees. On XX/XX/year>, XXXX issued a partial {$15.00} late fee credit as a one-time courtesy. However, this did not resolve the issue, as additional late fees and related charges continued to accrue. When I contacted Comenity again, I was informed that no further adjustments could be made because a partial credit had already been issued. This partial credit did not correct the underlying problem and instead resulted in additional fees accumulating on what was otherwise a paid-in-full account. At this point, the only remaining balance consists of late fees and associated charges, not actual purchases. I have made multiple attempts to resolve this directly with Comenity Bank. I have spoken with three separate representatives by phone. During my most recent call, which lasted over 30 minutes, I was told I would be transferred to a supervisor, but the call was disconnected instead. This situation reflects inconsistent and unfair fee practices. I relied on written information from Comenity Bank stating that no late fee had been assessed and followed their instructions to reach back out if one appeared. Instead of resolving the issue, the account has been allowed to accumulate fees that could have been avoided if properly addressed initially. Requested resolution : Full reversal of all late fees and associated charges Correction of the account to a {$0.00} balance Confirmation that no negative credit reporting has occurred related to this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: MI

Complaint narrative:
I am filing a complaint regarding the improper charge-off of my account. I was explicitly told that my account needed to be brought current by XX/XX/2026. On that exact date, I submitted a payment through GreenSkys official payment portal to bring the account current and even went forth with scheduled auto payments of $ XXXX to ensure I never get behind again and keep my account current. The payment was initiated on time and in good faith reliance on the stated deadline. However, because the payment posted on XX/XX/2026 - due to processing time outside of my control - GreenSky charged off the account. Additionally, I had previously made a {$100.00} payment around the XXXX mark at the direction of a GreenSky representative to demonstrate account activity and avoid negative action. I made every reasonable effort to comply with their requirements and prevent charge-off. Penalizing me for standard payment processing timing is unfair and not reflective of my actions. I am requesting : Immediate reversal of the charge-off Correction of any credit reporting related to this account Confirmation that my account is returned to good standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This is a second lien modification inforced in XXXX. The company Shellpoint purschase the loan in XXXX. They have breech the offr on the midification. I have had difficulty making the payments on time. Never has the loan gone more than two payments in the rear, Even to this present date the payments are only XXXX XXXX due. Shellpoint has states from a representative XXXX XXXX on XXXX that no matter what I did to resolve, she said hostel ( IT DOESNT MATTER WHAT I DO THERE RAISING MY PAYMENTS ) I ask her to repeat it an she did. That they sent me a letter of breach which I have not received. The payments are {$280.00} they increase it to {$300.00}. No where in the modification original contract it permits this action. the original lien was XXXX XXXX XXXXThank for your help in this matter. XXXX and XXXX XXXX.

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