vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account that continues to be reported on my credit file without proper verification by both the furnisher and the credit reporting agency. I have disputed this account multiple times with XXXX, and it has been marked as verified repeatedly without addressing clear inaccuracies and incomplete information. This indicates a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The collection agency, RentDebt Automated Collections, is incorrectly listed as the original creditor. The actual original creditor is XXXX XXXX XXXX. This is inaccurate and misleading reporting under the Fair Credit Reporting Act. Additionally, no account number has been provided to properly identify this account. In response to my previous complaint, the collection agency only provided a lease agreement and a ledger. These documents do not establish legal ownership of the debt or authority to collect. The agency stated the debt was placed with them, but did not provide any assignment, transfer, or contractual agreement showing they have the legal right to collect. Despite this lack of documentation, XXXX continues to report the account as verified. Repeated automated verification without addressing these documented inconsistencies constitutes a failure to conduct a reasonable investigation and may be considered willful noncompliance with the Fair Credit Reporting Act. This account remains inaccurate, incomplete, and unverifiable. I am requesting : Immediate deletion of this account from my credit report Proof of assignment or legal authority to collect Correction of inaccurate reporting of the original creditor An explanation of the method of verification used by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My complaint is that XXXX is trying to control how I spend my gift card money that I received after opening a new XXXX XXXX XXXX at Chase. I was enticed to open a XXXX XXXX at XXXX because they offered a XXXX $ Gift card upon approval. After I was approved I intended to use the gift card money XXXX $ in XXXX to buy vacation clothes. What XXXX did was they attached the gift card to my debit card and forced me to spend the XXXX $ up. When I realized what was happening I called XXXX over XXXX times. They would not remove the gift card from the check out payment that said I had you do it manually. Mind u I dont have to do this with my other options of payment XXXX as my store card or credit card. XXXX forced me to go and stop the gift card use manually at each purchase. On XX/XX/year> I tried to purchase an Item from XXXX and I was unable to use my Debit Card at all. I tried to change the method of payment and I was not allowed to. I felt cheated and outraged that XXXX controlled my money in such a way. I WAS UNABLE TO MAKE A PURCHASE UNLESS I USED THE XXXX $ GIFT CARD. THIS WAS NOT WHAT I SIGNED UP FOR. I have submitted a photo where the gift card is attached to my debit card. This is outrageous and not part of the XXXX XXXX card at Chase deal. Like I said I wanted to use the XXXX $ for my holiday trip clothing spree in XX/XX/year>. On XX/XX/XXXX there was XXXX $ left on the card and I could not make a purchase at XXXX with a debit or credit card. I was forced to use the gift card. Additionally, I HAD DIGITAL SUBSCRIPTIONS AT XXXX, I WAS PAYING THEM WITH THE STORE CARD THAT ENDED IN XXXX. XXXX SWITCHED THE PAYMENT METHOD FROM XXXX TO XXXX, THE NEW XXXX. THIS WAS DONE WITHOUT MY AUTHORIZATION. I had to manually switch the accounts back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I began incurring insufficient funds ( NSF ) fees on my Chase account. I contacted Chase at that time to request assistance and was advised to wait until XXXX for a possible resolution or reconsideration. During this period, the fees continued to accrue across both XXXX and XXXX, resulting in approximately 23 NSF fees. This created a significant financial burden for me. After following their guidance and waiting until XXXX, I contacted Chase again to request a refund or adjustment. At that time, I was told that no refunds would be issued, despite the number of fees and my prior attempt to resolve the issue earlier. Over the past year, my business experienced temporary financial strain due to issues with a contractor, which required me to use personal funds to keep operations running. However, my business structure has recently improved, and I now have additional support in place. As a result, my financial situation is stabilizing and this type of issue is not expected to continue. I am concerned that I followed the instructions provided by the bank, yet the situation worsened and no resolution was offered. The volume of fees charged over a short period feels excessive and unfair. I am requesting that Chase review my account and reconsider refunding some or all of these NSF fees as a matter of fairness, especially given that I attempted to resolve the issue proactively and my circumstances have now improved. Thank you for your time and consideration

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
To whom it may concern, I contacted Citibank on XX/XX/year> in regard to a overpayment on my account. Unfortunately, they did issue me check dated XX/XX/year>. However, it was sent to the wrong address. At my request they issue a stop payment after several weeks passed, and I still have not receive it. Due to the fact that I believe they have been giving me the run around. I am hoping CFPB can help resolved this issue that I have been trying to accomplish for over 30 days now. I have submitted documents showing my call logs between the bank and me. Further. more I have also submitted documents showing my account statements with a credit of {$96.00}. I am looking forward to this issue being fully resolved & fully reimbursed. Thank you for your support.

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 2026-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The first day I called credit acceptance and told them I did not want the car and it was a lemon and that it would break down. They told me to go back into XXXX and get into somthing else and no one had offered to help me since Ive been stuck in this situation since 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
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account in the amount of approximately {$4000.00} that is being reported on my credit reports by XXXX and XXXX. I disputed this account on XX/XX/year> and again on XX/XX/year>, requesting full verification of the debt. Specifically, I requested documentation including the original lease agreement, complete payment history, and proof that the collection agency has legal authority to collect this debt. Both XXXX and XXXX responded by stating that the account was verified, but they did not provide any actual documentation or evidence to support that conclusion. However, this same account has already been closed in XX/XX/year> from my XXXX credit report after XXXX determined that the account could not be properly verified. This creates an inconsistency between the credit bureaus and raises serious concerns about the accuracy and validity of the reporting. To date, no company involved has provided sufficient documentation proving that this debt is accurate, valid, or legally collectible. This situation suggests that the account is being reported without proper verification, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This account reflects a repossession ; however, I did not receive proper notice of sale or documentation required under applicable law. Specifically, I request : - Proof of notice of intent to sell the vehicle - Proof of the date and method the notice was sent - Notice of the actual sale of the vehicle - Auction sale amount - Full deficiency balance calculation To my knowledge, this information was never properly provided. Without proper notice and documentation, the reporting and collection of this balance is inaccurate and incomplete. Under the Fair Credit Reporting Act, any information that can not be verified must be removed. Amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: FL

Complaint narrative:
police report was filed account is not mine i have never seen this account before this account is inaccurate and unverifiable. i have also reached out to all credit bureaus XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/year> XXXX XXXX is the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
I reviewed my credit report and noticed a collection on my history from a gas company ( XXXX XXXX ) in XXXX. I have never lived in XXXX and I have never given permission for my information to be used. I have been a XXXX XXXX for the past XXXX years in XXXX XXXX. I believe my information has been leaked to the dark web from continuous data breeches.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALDOUS regarding an account ( Account # XXXXXXXX XXXX ) that has appeared on my credit report. This account, originally with XXXX XXXX XXXX XXXX was allegedly placed for collection on XX/XX/2025, with an amount owed of {$180.00}. I dispute the validity and reporting of this debt and demand its immediate deletion from my credit reports with XXXX, XXXX, and XXXX. My dispute is based on violations of federal consumer protection laws, specifically the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Under 15 U.S.C. 6802, financial institutions are obligated to protect the nonpublic personal information ( NPI ) of their customers. This statute generally prohibits a financial institution from disclosing XXXX to a nonaffiliated third party unless the consumer is provided with a clear and conspicuous notice and an opportunity to opt out of such disclosure. It is my understanding that XXXX XXXX XXXX XXXX, the original creditor, disclosed my XXXX to ALDOUS without providing me with the required notice and opportunity to opt out. This unauthorized disclosure constitutes a violation of my privacy rights under the GLBA, rendering the subsequent collection and reporting of this account invalid. Violation of 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) Furthermore, ALDOUS has failed to comply with the debt validation requirements set forth in 15 U.S.C. 1692g of the FDCPA. This section mandates that a debt collector, within five days of the initial communication with a consumer, must send a written notice containing specific information about the debt. If the consumer disputes the debt in writing within 30 days of receiving this notice, the debt collector must cease collection efforts, including reporting to credit bureaus, until they obtain and mail verification of the debt to the consumer. I have not received proper validation of this debt, nor has ALDOUS provided sufficient proof that they are the rightful owner of this debt with the legal right to collect and report it. To properly validate this debt, I require the following documentation : Original contract with my signature. Complete payment history from the original creditor. Documentation demonstrating how ALDOUS was assigned to collect this specific debt from me. The complete chain of assignment for this debt, from the original creditor to ALDOUS. A copy of the bill of sale for this specific account. Proof of ALDOUSs license to collect debts in my state. Without this comprehensive documentation, the debt remains unverified, and any reporting of it is in violation of my rights. Given these violations, the reporting of this account by ALDOUS is inaccurate, unverifiable, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
police report was filed this account is inaccurate and unverifiable and need to be removed is part of identity theft. All credit bureau was contacted as well as identity theft.gov PROFESSIONAL DEBT MEDIATION XX/XX/year> XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, I attended a sales presentation and purchased a travel membership from XXXX XXXX for approximately {$21000.00}. {$6000.00} of which was financed through XXXX XXXX. I was told I would have access to a wide range of hotels, destinations, and discounted travel options. After the purchase, I was unable to access or use the services as promised. Availability for hotels and destinations was extremely limited or nonexistent for the locations and dates I was told would be available. The benefits presented during the sales process were not actually accessible. Additionally, I was not provided access to the account or services during an initial waiting period, which prevented me from reviewing or canceling within a reasonable timeframe. I made multiple attempts to contact the merchant to resolve the issue. They stated they would follow up with booking options but repeatedly failed to do so and did not return calls. My final attempt to contact them went unanswered. As a result, I did not receive the services as described and am disputing the validity of the financed agreement with XXXX XXXX due to misrepresentation and failure to provide the promised services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BC SERVICES, INC.
State: VA

Complaint narrative:
This company from Colorado area code XXXX keeps calling me and leaving voicemails stating they are a debt collection service and it I don't call them there will be consequences etc etc. I looked into the company. The website appears legitimate, however, therr are XXXX and XXXX star reviews and most of not all of them state the company is fraudulent and to ignore them and they do scare tactics etc. They provide no information on any debt and give no account number or anything. It is fraud. I have over an XXXX credit score and haven't lived in Colorado for XXXXplus years.

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 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
SoFi added a $ XXXX monthly fee to my credit card that I never agreed to. When I disputed the charge, they said the monthly fee shouldn't apply so that must have been someone else. They never called me back to say my dispute had been rejected and charged me another fee the next month since I didn't know I needed to close the card. The card is now closed, but they refuse to refund my {$20.00}. I consider this fraud and theft. My original contract terms did not have anything about a monthly fee and I did not see any notice about the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: ID

Complaint narrative:
since XXXX about XXXX i called back by the the fraud department and was told that they were and had found that there was fraud on the account that was several credit cards ago XXXXthat was XXXX XXXX dollars in settlement and now i continously having problems not with atm the monies that i saved since the date of the evaluation have all been taking ive over 35 times to talk to customer service and after filed dispute forms for over XXXX XXXX dollars i have not been even returned statement now after a request on the XX/XX/XXXX the date of the calendar has gone back and forth and i started with worked lakjshdgftgfbvhjk of full checking and savins and prepaid debit that i applied monies and and now the only benefit is to receive a deposit and that alright i like the company and would like to stay a customer.but i had XXXX XXXX and several other surgeries and could not afford a place to live to provide for my kids the debit conjdfgkloikpdss department of australia department fbi nbchgf units said these monjfhvbghtyujgnbhjkgjhlkj were necessary to keeep the position and that i deserved more asdkkpploiuytploiple adsjncbhfg awards this company offered me everything to keep my acccount with XXXX XXXX please vnereifjgktied information of accounts with adnmj, com sjhdgfyturnvgf oforces units direct kjnsdbchfbv banking nand jhdbcgrfbgt offices my name XXXX XXXX XXXX liveing at address isjdhf nvjg in anjdssklsmcnvbhgytry honors ploikjhagsf XXXX XXXX XXXX XXXX XXXX idaho XXXX after serveral appeals forms disputes online emails repeat conversation when the customer service says i dont or can not state where my money is and has gone XXXX please in the dates XX/XX/XXXX until XX/XX/XXXX in the event the dates are corrected why then would the account afted leavin full banking privaledges where would the money disappear to im not marrried and these medical records are found at XXXX XXXXXXXX social security XXXX number and date of birth XX/XX/XXXX and XXXX idedntification number please award the monies back to my bank account please and thank you i have a make into into foreign territories to check on my my home and i cant afford new uniform and jncbfhgeis dfsdhgs and passportXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I requested full validation of this alleged debt, including proof of ownership, itemization, and documentation bearing my signature from them before XXXX then XX/XX/XXXX received a email that wasnt prove or anything. I am already disputing it with all 3 agencies and want it removed which I dont owe them anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One checking account ( ending XXXX ) was hacked and {$4000.00} was stolen through an unauthorized XXXX transaction. I did not authorize this transaction and I did not have my physical debit card in my possession. I filed fraud claim XXXX and it was denied. The denial letter states the claim was denied due to my assertion about debit card possession and transaction information this is incorrect. I never stated I had my card. The merchant ( XXXX ) reported the card as present, but this only means my debit card was linked in the XXXX app, not that I physically used it. On XX/XX/year>, I called Capital One to correct the record and request the claim be reopened. I spoke with XXXX ( ID XXXX ) and supervisor XXXX ( ID XXXX ). Both confirmed the claim can not be reopened. XXXX stated the merchant reported card-present, which I explained is because the card was linked in XXXX. I am requesting a full re-investigation and refund of the {$4000.00} in unauthorized transactions. Capital One has also not provided the documentation I requested that was used to deny my claim.

Company response to consumer: Closed with explanation