vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, American Express reduced my credit limit from {$32000.00} to {$6200.00} without any prior notice. At the time of the reduction, my XXXX, XXXX, and XXXX credit reports all showed a perfect payment history for this account with no late payments, no pastdue amounts, and no negative remarks. I had made all payments on time and maintained the account in good standing. American Express had previously increased my limit to {$32000.00} in XX/XX/XXXX, which indicates they viewed my account as lowrisk. There were no changes in my payment behavior or creditworthiness between that increase and the sudden reduction in XX/XX/XXXX. The limit reduction caused my credit utilization to spike overnight, which resulted in a significant drop in my credit score. This negative impact was caused entirely by the limit decrease, not by any adverse information on my credit reports or any action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America took {$2700.00} from my business account to pay a credit card that is linked to a former employee who used the card for personal use when he wasn't part of the company anymore. XX/XX/XXXX another {$2500.00} was taken from my business account to pay the credit card. Before these random payments started happening Bank of America told us that the business would be protected and no money would be taken from the account and any movement we would be notified.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Nala Payments LLC
State: IL

Complaint narrative:
NALA ( NALA Inc. ), an international money transfer and remittance platform that facilitates transfers from the United States to recipients in other countries. The company processes transfers through partner banks and payment processors. On XX/XX/year>, I initiated an international money transfer of USD XXXX through the NALA remittance platform to pay an annual health insurance premium for a beneficiary organization in XXXX. The transaction was marked as Completed by the company on the same day, indicating that the funds had been successfully delivered to the recipient bank. However, the beneficiary later reported that the payment had not been received. On XX/XX/year>, I contacted the beneficiary organization to confirm whether the funds had arrived. They informed me that the payment had not reflected in their account and suggested that international transfers could take up to seven days to appear. After waiting the suggested period, I continued following up with both the beneficiary and the remittance company. On XX/XX/year>, I contacted the remittance company requesting confirmation of the transfer and asked them to trace the transaction. The company responded that their records indicated the transfer had been credited on the same day, but they did not provide any verifiable documentation such as a settlement confirmation, transfer trace, or proof from the recipient bank showing that the funds were received. Over the following weeks, I made multiple follow-up requests asking for proof of settlement or assistance locating the funds. The beneficiary organization and their bank continued to report that no funds matching the transfer details had been received. As of the date of this complaint, nearly four weeks after the transaction, the funds remain unaccounted for. The company continues to state that the transfer was completed but has not provided verifiable proof of delivery or initiated a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TN

Complaint narrative:
I request this debt be removed from collection, any negative credit reported be deleted, CFPB record this as a violation of consumer protection laws including FDCP and FCRA because this debt is not legally adjustable. I was seen in the XXXX in XXXX, TN and as a Veteran of the XXXX with service connection I contacted the XXXX XXXX within the 72 hours and was given a claim for the provider to be paid. Both the hospital and medical providers were given the proper billing information for VA payment but failed to bill them, but sent the bills to me. The hospital services were contacted by myself and VA rep and that was resubmitted and paid. The providers refuse to submit claim to VA insurance for payment and continue to send me bills. Please see the attachments for all bill and collection information along with VA XXXX XXXX claim approval. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am being continuously contacted and harassed by a credit company for a debt that I do not owe. I have already worked with XXXX XXXX to dispute and resolve this matter, yet the collection attempts have continued despite the fact that the debt is invalid. I have never received proper verification of the debt, and the collector has ignored my previous disputes. This ongoing harassment is unacceptable and is causing unnecessary stress and harm. I am requesting that this account be removed from my credit report immediately and that all collection activity stop at once. I expect written confirmation that the debt has been deleted from my credit file and that no further attempts to collect will be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on Experian XX/XX/year> and Transunion XX/XX/year> Amount : {$2000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
On XX/XX/year> an associate of mine contacted me stating they were receiving texts from a debt collector with my name and address associated to the debt. This person is in no way shape or form associated with me financially and now has the total of my debts to Harris and Harris as well as my personal address. This information was sent to the number ( XXXX ) XXXX on XX/XX/year> and XX/XX/year>. My number is XXXX. The same message was sent to me on XX/XX/year>. The link takes you directly to a payment site, without any verification needed and grants direct access to my personal information. Attached are the texts that were sent to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Viewed my credit and seen inquires I was not aware of. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint regarding Citibanks refusal to reimburse an unauthorized branch teller withdrawal of {$3500.00} from my debit account. On XX/XX/year>, two unauthorized withdrawals occurred at the same Citibank branch at approximately the same time. One transaction was a {$500.00} ATM withdrawal, and the other was a {$3500.00} branch teller withdrawal. Citibank investigated these transactions as separate cases. The bank determined that the {$500.00} ATM withdrawal was fraudulent and refunded that amount to my account. However, Citibank denied my claim regarding the {$3500.00} branch teller withdrawal. This decision is inconsistent and unreasonable. Both transactions occurred at the same location and time. If the ATM withdrawal was fraudulent, it indicates that my account had already been compromised. The {$3500.00} transaction is listed on my statement as a " Branch Teller Withdrawal. '' I did not visit that branch and did not authorize any teller withdrawal. My debit card has remained in my possession at all times. Citibank has not provided any explanation or documentation showing how the teller verified the identity of the individual who withdrew the funds. If Citibank believes this transaction was authorized, they should be able to provide the withdrawal slip, signature verification, and documentation of the tellers identity verification process. I have filed a police report and an Identity Theft report with the Federal Trade Commission regarding this incident. Additionally, Citibank has already confirmed that fraudulent activity occurred on my account at the same branch and time. I am requesting that Citibank reopen this investigation, review the teller withdrawal procedures used at that branch, provide the relevant transaction documentation, and reimburse the unauthorized {$3500.00} withdrawal.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment of {$1200.00} through Capital One to a contractor, at XXXX XXXX XXXX using XXXX. The transaction was d ebited from my account but has never posted to my sons account. The transaction initially indicated 13 business days for delivery, then the estimated delivery date was changed to XX/XX/year>. As of today, XX/XX/year>, the transaction still shows Sent and has not been delivered, while all other XXXX transactions with the same recipient or other contacts show as delivered. I have contacted Capital One every day since XX/XX/year>, and participated in a three-way call with XXXX support and my bank. Capital One denied my dispute, stating that XXXX ( the merchant ) confirmed the payment was sent. Despite this, the funds remain in limbo and have not been credited to the recipient 's account. This appears to be a systemic issue with XXXX payments not posting to certain recipient banks, as evidenced by thousands of reports online. I have provided all transaction details, including the XXXX trace ID, and requested a resolution, but the situation remains unresolved. I have had to pay out of pocket the recipient. Both institutions have failed to resolve this issue : Capital One failed to locate the funds or escalate the investigation, despite the transaction clearly not reaching the recipient. XXXX failed by stating they completed their role without ensuring the payment was posted to the recipients account, leaving the funds in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> my husband was the victim of a scam involving criminals impersonating the fraud department of JPMorgan Chase Bank. The caller told him there were two fraudulent XXXX transactions of {$1000.00} each on the account and that he needed to submit what they called a report transaction request through XXXX in order to retrieve or reverse the funds. The caller ID on his phone appeared to show a Chase phone number, which made the call appear legitimate. Believing he was speaking with Chase and that he was reversing fraudulent transactions, he followed the instructions provided by the caller. You can see in the attached XXXX receipt that he typed in " cancel payments '' in the memo, believing he was reversing a fraudulent charge. The instructions actually caused him to send {$2000.00} through XXXX to the scammers. During the call he wrote down details of the conversation, including the names and phone numbers the callers provided. I have attached a copy of his notes from the call. After the transaction was completed, the callers abruptly hung up, which caused him to realize this may have been a scam. He immediately contacted Chase to report the fraud and request assistance. He spoke with a Chase representative, XXXX, and was given case number XXXX. At that time we were told that we would receive a credit for the amount while the matter was investigated. We also received an email stating that.The transaction was later classified by Chase as impersonation fraud. However, the claim was apparently closed and reimbursement denied without notification to us. This claim does not even show up as an opened claim through the link Chase sent us. ( screenshot of this attached ) When my husband later called Chase to check the status, he was told the case had been closed and that the bank would not reopen the investigation. We were told Chase contacted XXXX and that because the transaction was processed through the XXXX network they would not take further action. We have since contacted XXXX and they have now opened up a case number for us, while stating they have no record of hearing from Chase. Perhaps if this was done correctly XXXX would have been able to stop payment in real time. Because this transaction resulted from criminals impersonating Chases fraud department and misrepresenting the purpose of the transfer, we believe this situation warrants additional review. Additionally, my husband has a chronic medical condition that affects cognitive processing, and the scammers used deception, urgency, and pressure while impersonating the bank to exploit this vulnerability. We are requesting that Chase reopen the investigation and reconsider reimbursement for the {$2000.00} transferred as a result of this impersonation scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: PA

Complaint narrative:
TekCollect XXXX XXXX under the XXXX Bankruptcy. Class action lawsuits in XXXX of XXXX. Im reporting a negative mark in collections with a debt of XXXX $ from XXXX of XXXX. The contract and any products received were cancelled and services were not completed. Provider did not meet contract agreements as they filed for bankruptcy within a 3-4 month window within the agreement. Ive tried disputing with XXXX many times over a course of a year but i have a received a unknown result from disputing every single time with a claim that the information is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was sold to https : //www.carringtonmortgage.com/ last XXXX. It was originally with XXXX XXXX XXXX. When it was sold, I was no longer on the contact information. They were sending all information to another person. I was not informed that is was not being paid and that the home was going to foreclosure. It was not until I saw the new loan holder on my credit report that I was able to know who to contact. They said they sent notices to the property, but XXXX XXXX was aware I was not living in the home. I was a victim of a deed fraud situation. I am not sure what to do. The mortgage company is not working with me on the foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I submitted documentation to Nelnet requesting a XXXX treatment deferment because I began XXXX treatment in XX/XX/XXXX. My treatment is expected to continue through XX/XX/XXXX. Although the deferment was approved in XX/XX/XXXX, interest on my loans has continued to accrue. Since then, I have contacted Nelnet multiple times to resolve the issue, including in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these calls, representatives and a manager informed me that tickets had been created and that the issue would be corrected. I was repeatedly told that the interest would be backdated and removed from the time my XXXX deferment was approved in XX/XX/XXXX. However, no corrections have been made to my account. Each time I call, I am told that the issue will be escalated and that someone will follow up with me, but I have never received any follow-up communication. I also requested written confirmation or summaries of my calls, but I was told that Nelnet does not provide written summaries of phone conversations. Because I am undergoing active XXXX treatment, I can only call periodically when I feel well enough. This unresolved issue has caused significant stress and has negatively affected my mental well-being during treatment. I am requesting that Nelnet : Correctly apply my XXXX treatment deferment beginning XX/XX/XXXX. Remove any interest that accrued in error since the deferment approval. Provide written confirmation that my account has been corrected. I simply want my deferment applied properly so that my loan balance does not continue increasing while I am undergoing XXXX treatment.

Company response to consumer: Closed with explanation