vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE
State: OR

Complaint narrative:
I am filing this complaint regarding Charles Schwab Banks handling of my debit card dispute under Regulation E. On XX/XX/year>, I paid {$680.00} using my Schwab debit card to XXXX for fingerprinting services required for FBI submission. XXXX website advertises that it captures fingerprints strictly per FBI XXXX standards, ensuring acceptance, provides near-perfect prints, and performs on-the-spot quality validation so that nothing is left to chance. During my appointment, the technician acknowledged that the fingerprints obtained were not of good quality. The fingerprints were subsequently rejected. Rather than correcting their defective performance, XXXX demanded an additional XXXX to redo the prints. Because the contracted service compliant, usable fingerprints meeting FBI standards was not delivered, I disputed the charge with Schwab on the basis of breach of contract and failure to provide services as advertised. Schwab denied my dispute after the merchant submitted transaction documentation. However, the investigation appears to have relied solely on proof that a transaction occurred, rather than evaluating whether the service was provided as advertised and contracted. Additionally, the merchant represented the transaction amount in their dispute response as {$650.00}. The actual debit from my account was {$680.00}, with no separate foreign transaction fee. This discrepancy raises concerns regarding the accuracy and completeness of the documentation relied upon in denying my dispute. In addition, during the dispute process I received XXXX secure messages from Schwab requesting that I contact them regarding the matter. I called daily for XXXX business days. Each time I was informed that a representative would return my call or that no one was available. I did not receive a return call before the dispute was denied. I am concerned that I was not given a meaningful opportunity to discuss the dispute during the investigation. I am requesting that Schwab : 1. Provide a detailed written explanation of the basis for denying my dispute. 2. Clarify whether pre-arbitration or arbitration was pursued. 3. Confirm how the transaction amount discrepancy was evaluated. 4. Reconsider the dispute in light of the merchants advertised guarantees and failure to deliver the contracted result. I am seeking reversal of the {$680.00} debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lost my debit card XX/XX/year>. I reported fraud cause they took {$140.00} out of me from Capital One. Capital One denied my claim so I rebuttal and then they denied me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Back in XXXX of XXXX amerihome mortgage took over for XXXX XXXX mortgage. They told me to get back on my autopay plan I originally had. I needed to pay XXXX months in advance. Which was XXXX dollars. So I got the money and paid. Fast forward to XXXX. They said my payment is late and charge me a late fee. Harass me call me everyday. I work for a living. So I didn't get a chance to call them back phone calls are non stop. I finally call they say I didn't pay my mortgage. However I'm on autopay biweekly how did they not pull my money? So they moved my biweekly payment to principle and made me miss my mortgage payment. I get that resolved they waive the fees. XXXX comes same scenario interest charged because they applied it to principle. I spend yet another hour of my life because they can't process a simple transaction. Biweekly payment goes to principle. Again harassment from phone calls. Now we are in XXXX I'm on night shift working as a supervisor overseeing work working XXXX hour days Z days a week. And the phone calls are non stop. I'm trying to sleep, I do not have the time or energy for this company anymore. I'm at my wits end. Because they can't file a biweekly payment. They called me XXXX times. I am asking for help trying to get this company to stop harassing me. I can supply bank statements I can supply the countless phone calls. I don't understand. My mortgage has never been late. Always paid. Until I came with this company when they can't do a simple transaction. This is just never ending and it's a scam. They use people 's biweekly payments to pay principle so they can charge interest and late fees. So they double dip into people 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I have been unable to access my Openbank ( Santander ) savings account since XX/XX/year> due to a failure in the banks authentication system. The required SMS verification codes are not being delivered, preventing login. I contacted technical support on XX/XX/year>, XX/XX/year>, and XX/XX/year> and spent multiple hours troubleshooting, including deleting and reinstalling the app, restarting my device, and completing the Santander identity verification process twice. On XX/XX/year>, I was informed there was a system outage, and the customer advisor ( XXXX ) stated she was unable to issue a ticket. On XX/XX/year>, there was no mention of a system outage, and I was issued ticket number XXXX. On XX/XX/year> and XX/XX/year>, I received voicemail messages stating the issue had been resolved ; however, I still can not access my account. Despite repeated requests, the bank has not provided any alternative method for me to access my funds ( manual ACH transfer, wire transfer, or cashiers check ). As a result, I am being denied access to my own funds due to the banks internal system failure. I require access to these funds to pay bills. I am requesting immediate manual access to my funds and written confirmation of the corrective actions being taken to prevent this from recurring.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed by an individual on XXXX with the username howislickscorin. The scammer contacted me and claimed they could help me make more money through a " matching investment '' scheme. They told me to send {$3000.00} from my Chime account, saying they would match my money and send back a larger amount as a return on the " investment. '' Believing their promises, I transferred the funds. The scammer provided fake evidence and messages to make the investment seem legitimate, but after sending the money, I realized that they had no intention of returning any funds. The entire scheme was fraudulent, and all the money I sent was stolen. I was manipulated and coerced into sending the money under false pretenses. I am requesting that authorities investigate howislickscorin for fraud and theft. I can provide all transaction records, screenshots of communications, and other evidence to support the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
1. Evidence of Certified Payment Count Attached to this file is the correspondence received from the servicer dated XX/XX/XXXX. This document explicitly confirms a qualifying payment count of XXXX payments. As of XX/XX/XXXX, the account reflects only XXXX payments. This request seeks the reinstatement of the XXXX payments that were removed without explanation, as well as the addition of the final XXXX payment for XX/XX/XXXX. 2. Regulatory Basis for Qualifying Credit ( Processing Forbearance ) The period from XX/XX/XXXX through XX/XX/XXXX was spent in an Administrative/Processing Forbearance while awaiting the processing of an Income-Driven Repayment ( IDR ) recertification form ( submitted XX/XX/XXXX ). Under Federal Law, these months are qualifying for Public Service Loan Forgiveness : 34 CFR 685.205 ( b ) ( 9 ) : Provides that a servicer may grant an administrative forbearance for a period " not to exceed XXXX days '' specifically to " collect and process documentation supporting the borrower 's request for ... a change in repayment plan. '' 34 CFR 685.219 ( c ) ( 2 ) ( v ) : Explicitly states that periods of administrative forbearance described in 685.205 ( b ) ( 9 ) are considered " qualifying payments '' for the purposes of PSLF, provided the borrower is employed by a qualifying employer during that time. 3. Timeline of Events XX/XX/XXXX : Income Recertification submitted. XX/XX/XXXX : Contacted MOHELA ; placed in XXXX Processing Forbearance. XXXX XX/XX/XXXX : Forbearance renewed in XXXX increments per MOHELA instruction. XX/XX/XXXX : XXXXnal PSLF Discharge Application submitted ( XXXX month ). XX/XX/XXXX : IDR form finally processed ( XXXX months post-submission ). Based on the citations above, the forbearance applied during this XXXX processing delay must be counted as qualifying time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Re : Account # XXXX I am requesting documentation related to the repossession and deficiency balance on the above referenced auto loan. Please provide : Date of repossession Date of sale Auction sale proceeds Complete deficiency balance calculation Itemized fee breakdown Proof of notice of sale sent to me If you can not provide documentation supporting the reported balance of {$9900.00}, the balance is inaccurate and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My account as of today XX/XX/year> is overdrawn {$120.00}. I only keep enough funds in the account to cover transactions. BEFORE I use the debit card, I check my balance and make sure there are funds to cover transactions. I have told Wells Fargo if the money is not there, DO NOT HONOR-DECLINE the transaction. Have had no problem until recently. Due to XXXX shippin/charging procedure, they do noit ship until it is paid for. If the money is not there, it declines tranastions from XXXX. If XXXX ( or any company ) Pre-authorized or Temporary hold ; the funds are just that held, and NOT available in available balance. Once the product ships, or the merchant " charges '' then the " hold '' is released and funds are paid. Wells Fargo is telling me that XXXX apparently does not have to follow these ruoles and it is up to Wells Fargo to decide to honor or decline ( I have stated do not honor if the funds are not there ). I do not spend more than I have and if the funds are held, then they are not available. XXXX or ANY company should not be allowed to charge my debit card if the funds are not there, Wells Fargo should not honor those charges as I have specifically stated not to. I was told today ; I have no choice who Wells Fargo decides to honor. It is their discretion. So, now my account is overdrawn. Again, if the funds are not there for a debit card transaction, it should be declined. Not honored and allowed to overdraft my account when I have specifically stated not to. I was told I have no choice ; XXXX can charge whenever they want to and Wels Fargo will honor it.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I purchased an item on XXXX on XX/XX/XXXX, through XXXX. Item purchased was supposed to be through payment installments. Tried to cancel the order XXXX wouldnt let me. Reached out to seller SEVERAL times, no replies. Was charged the full amount and I wanted to cancel order as soon as I placed but XXXX wouldnt let me. Ask for a refund was denied for the time being. Reached out to XXXX about the order because it didnt ship in the time frame it said it was which it was supposed to arrive by XX/XX/XXXX. XXXX lied and said it arrived by XX/XX/XXXX and update the system on XX/XX/XXXX. Filed a dispute with XXXX and XXXX said they would step in to help get refund. XXXX has not helped at all and wont reply. Went to post office and to track it and the address it was delivered to is an address that doesnt exist. Seller still wont reply neither will XXXX. XXXX has scammed and charged for an item that never arrived. Reached out to my bank to report fraud and they said its nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to SEQUIUM ASSET SOLUTIONS. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that SEQUIUM ASSET SOLUTIONS currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to SEQUIUM ASSET SOLUTIONS. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: NC

Complaint narrative:
I sent a written debt validation request to the collection agency on XX/XX/year>. The agency has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Instead of providing competent evidence of legal standing, the collector has either failed to respond fully or has provided insufficient documentation such as billing statements or account summaries. Billing statements and internally generated account printouts do not constitute proper validation and do not establish legal standing to collect. The collector has not provided : A complete chain of assignment showing lawful ownership of the alleged debt Proof that they have the legal right to collect this specific account A copy of the original signed contract bearing my signature Documentation authorizing them to collect prior to reporting to credit bureaus Proof of proper mailing of the initial validation notice Proof they are licensed to collect in my state Despite this failure, the company continues to report the account to consumer reporting agencies and/or continue collection activity.

Company response to consumer: Closed with non-monetary relief