vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I made a payment to my credit card at an ATM with cash. There was a problem with the ATM and it took my money without crediting my account. I went into the bank immediately and they connected me on the phone to make a claim who made a payment adjustment while they investigated. After some time they reversed the original payment adjustment and said they could not find the money. I then escalated it with a similar response and outcome. I then called again and spoke to a manager who then was able to locate the money and the circumstances then made another adjustment to the account. Then a couple weeks later I received another letter reversing the charge, saying the funds could not be found. I called again and they told me that the call I had with the manager was factually incorrect and that he had no way of pulling the information he said he did, however he was able to tell me information about my transaction that I never told him. They said there is nothing to be done at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCBis falsely reporting on my credit. I have never had any accounts with them. Per my research NCBis 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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
I am disputing the XXXX  report furnished by Key Bank for an alleged overdraft of {$260.00}. I did not authorize, incur, or benefit from this overdraft, and I have never received validation demonstrating that this account or transaction belong to me. 
The furnisher has failed to provide proper documentation establishing my liability, including a signed account ownership, or transaction history. Reporting this item without verification violates the Fair Credit Reporting Act 's requirement that information be accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: FL

Complaint narrative:
My XXXX XXXX XXXX credit card issued by Chase was closed on XX/XX/year> due to an XXXX identity verification issue. The closure was not related to fraud, delinquency, misuse, or inactivity. I was a lawful permanent resident at the time and had provided a valid Social Security number, but XXXX verification remained pending due to an administrative mismatch. 

At the time of account closure, I had XXXX rewards points with an approximate cash value of {$760.00}, as reflected on my XXXX and XX/XX/year> billing statements. After the account was closed, these earned rewards became inaccessible and were ultimately forfeited.

The written closure notice did not clearly disclose a 30-day deadline to redeem rewards following closure, and because the account was closed for compliance reasons, I did not have a meaningful opportunity to redeem the rewards.

I contacted Chase through secure message, visited a branch location in XX/XX/year> to seek resolution, and requested restoration or compensation of the forfeited rewards as well as clarification of the redemption policy. Chase declined to reopen the account and stated the rewards were forfeited, without providing a remedy or addressing the lack of clear notice and redemption opportunity.

I am requesting review and fair resolution, including goodwill restoration or compensation of the forfeited rewards balance, or other appropriate relief consistent with the cards rewards program terms and applicable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
They are reporting as the original creditor which they are not.

I am writing to formally dispute inaccurate information appearing on my credit report.

The account listed below is being reported incorrectly : Collection Agency Name : Account Number : Original Creditor ( as listed ) : This account is being reported as an original creditor. However, this company is a collection agency and is not the original creditor. Reporting a collection agency as the original creditor is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
This happened XXXX XXXX. My deposit from pension went on the account by XXXX. Of {$2500.00}. I checked the account found all funds gone but {$640.00}, I hurry to notify Credit Karma about this fraud on the account, it was taken money right after another. They put a freeze on the account. To investigate as they say, they disputed and put over a $ XXXX.back into account, now balance showing {$120000.00}. I have asked them to unfreeze the account so I can pay some of my bills and stay warm. They keep putting me with another department with a long wait time. Never speak with anyone. I called today same thing. I just want my money. If you can be of help please help me. I will not hesitate to leave this company after I get my stolen funds, Thanks you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a XXXX letter Cancellation Of Debt in the mail from US Bank for a credit card loan that was taken out in my name, XXXX XXXX XXXX for this year XXXX in the amount of {$2900.00}. I did not open this account nor have I ever used US Bank for banking, loans or credit cards! I called the fraud department and explained to them that this was not me and that this Credit loan was opened fraudulently and that I wanted them to open a fraud claim or to remove this from my name, they proceeded to transfer my call to several different departments at which point my issue is still not resolved. I also explained to them that I was a victim of identity theft back in XXXX and that I have my social security number flagged with the IRS and I have an XXXX  that I use every year when filing my taxes. I want this resolved and removed from my credit profile.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Credit Adjusters for repeated harassment and unlawful third-party contact. Representatives from this company have contacted me and multiple third parties, including my family members and personal acquaintances, regarding private matters without my consent.

These calls included disclosures and implications of private information and were made in an apparent attempt to pressure or intimidate me. I did not authorize contact with any third parties.

I formally instructed " XXXX XXXX XXXX '' to cease all contact and to stop contacting third parties. Despite this, contact attempts continued with strange men threatening to show up at my door.

I believe these actions violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including unlawful third-party contact, harassment, and invasion of privacy.

I am requesting that this conduct be investigated and that XXXX XXXX XXXX be required to cease all improper contact. 
I am requesting CFPB intervention and a formal response from the company addressing these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
rrect credit reporting / failure to provide proof of billing notice EdFinancial Services claims a billing statement was sent to me on XX/XX/XXXX with a payment due XX/XX/XXXX. I never received this statement. 
In their prior CFPB response dated XX/XX/XXXX, EdFinancial asserted that billing was sent but provided no proof of delivery, no copy of the billing statement, no mailing verification, and no documentation showing how I was allegedly enrolled in online notifications. 
I am formally disputing receipt of any billing prior to being reported delinquent and requesting : A copy of the actual billing statement allegedly sent on XX/XX/XXXX Proof of mailing or delivery ( XXXX confirmation or vendor mailing logs ) The address used for that mailing Call logs or written correspondence records prior to XXXX XXXX Documentation showing how I was enrolled in online notifications Absent verifiable proof of delivery, this negative credit reporting is inaccurate and misleading under FCRA 1681s-2.

EdFinancial has only provided internal assertions, not evidence.

I am requesting : Removal of the delinquency reporting Written confirmation of corrections Proof of any billing or notices allegedly sent I never received advance notice prior to adverse reporting and was deprived of the opportunity to cure or request deferment. 
Please require EdFinancial to produce actual delivery evidence or delete the negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was conned by a company called XXXX. I have filed a complaint with an FBI officer, I have reached out to the bank dozens of times and there is no way to explain what has happened to the supposed investigator. I WAS TOLD IT WAS A JOB AND I NEEDED TO PUT MONEY INTO GET MONEY OUT. I STILL HAVE THE CONTACT INFORMATION FOR THIS CON ARTIST AND NOBODY AT THE BANK WILL LET ME TALK TO THE ACTUAL INVESTIGATOR. I WAS EXPLAINING THE SITUATION AND I WAS TOLD BY THE LAST CUSTOMER SERVICE YOUNG MAN THAT I WAS RANTING. IVE BEEN HUNG UP ON AND TRANSFERRED TO MULTIPLE DEPARTMENTS BEING ON HOLD FOR A TOTAL OF EIGHT HOURS DURING THIS ALREADY HORRIBLE EXPERIENCE. I was initially refunded the money but now with my checking account being at XXXX they have made it hundreds of dollars negative. excuse is that it was my name on the account giving permission. I have all of the evidence that it was a job that I was promised money back and the abrasive manner which the supposed professionals speak to me and blow it off over the last few months is at the point where I am now handing this over to somebody who has a heart and rationale. Please please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Requested a payoff letter from original loan lender. They sent my letter with all of my information to the wrong email address after multiple confirmation of having the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
They are reporting as the original creditor. They are not the original creditor I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed below is being reported incorrectly : Collection Agency Name : Account Number : Original Creditor ( as listed ) : This account is being reported as an original creditor. However, this company is a collection agency and is not the original creditor. Reporting a collection agency as the original creditor is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NH

Complaint narrative:
In XXXX of XXXX I switched banks. My current bank stopped allowing XXXX transfers for things like making auto payments to car loans. I got a new bank and I updated the information for my loan payment through XXXX at that time. 

I had " auto pay '' selected through my whole loan period since XXXX. For whatever reason XXXX decided to shut off auto pay when I switched banks this last time. I did not shut off auto pay myself, I did not disable it nor was I made aware it would become XXXX by switching banks. 

I have asked XXXX to take a look at this account to help me out here and make the payment as not late. 

I have a XXXX with serious transmission issues. It will most likely be part of the XXXX speed transmission recall. It has been in and out of the shop at least XXXX times. On top of dealing with having a lemon for a vehicle and the huge headache this has incurred, I am now dealing with derogatory marks on my credit as well. I have NEVER made a late payment on anything in my life. I am XXXX, and have over XXXX years of credit. This XXXX late payment has caused my credit to tank by XXXX points. 

I am BEGGING XXXX to do something for me, for once. I have had nothing but issues with everything on this XXXX. From the dealership false signing paperwork, to XXXX soft pulling my credit report WITHOUT my consent, to issues with the truck and now this late payment on my account. I really need someone to step up in XXXX and do the right thing and help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: NY

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 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My new conventional loan was placed with Nationstar Mortgage LLC dba Mr. Cooper. I have attempted over XXXX times to contact them by phone only to be referred to their website which I can not access because the loan is not set up by this firm. 

The problem being is that I do not believe that this firm has any live human customer service representatives. I get the same recording no matter what time of the day or night I call their " customer nonservice '' department. Please see the letter that I have sent to this company in the following sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling and denial of my fraud claim, despite clear evidence that I was the victim of a sophisticated scam involving phone number spoofing and impersonation of Navy Federal employees. 

On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I received a phone call from XXXX ( XXXX ) XXXX, which is the exact phone number publicly listed on Navy Federal Credit Unions official website. The caller identified themselves as Navy Federal and stated that my account had been compromised, specifically my savings account. 

The caller instructed me that, for security reasons, I needed to immediately transfer funds from my savings account into my checking account. They then stated my account needed to be rebooted and directed me to withdraw funds while they temporarily added funds to mirror my existing balance. During this process, I received what appeared to be a legitimate confirmation text message impersonating Navy Federal, further reinforcing the legitimacy of the call.

Unbeknownst to me at the time, this was a scam using phone number spoofing and impersonation tactics. As a result of following these instructions under the belief I was communicating with Navy Federal, the scammers withdrew all of my funds, including money transferred to my XXXX XXXX account. 

As soon as I realized that fraud had occurred, I immediately contacted Navy Federal Credit Union and filed a fraud claim. The initial portion of my claim totaling {$1000.00} was approved automatically. However, the remaining portion of my claim in the amount of {$3400.00} was denied on XX/XX/year>. 

I immediately requested a second review and provided additional documentation demonstrating that I was the victim of a scam, not an authorized transaction. Despite this, on XX/XX/year>, I contacted Navy Federal for an update and was informed that the claim had been denied a second time. I was told that additional documentation would be required and that a denial letter would be sent via mail. 

I believe Navy Federal Credit Union failed to properly investigate this matter and did not adequately consider the fact that this fraud involved impersonation using Navy Federals own publicly listed phone number and realistic confirmation messaging. I acted in good faith, believing I was following legitimate instructions from my financial institution during a perceived security emergency.

I am requesting the CFPBs assistance in reviewing Navy Federal Credit Unions handling of this fraud dispute and ensuring compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which protect consumers from unauthorized electronic fund transfers resulting from fraud and deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: WV

Complaint narrative:
I use XXXX spend account for my taxes. My account was closed and Ive been trying for weeks to open a new account. Ive reached out to Credit Karma several times through their chat, Ive attempted to call several times, spoke to them through email. Ive explained my situation to several representatives, most tell me they will have a specialist reach out or they will escalate my case. NO ONE has ever reached back out to me resulting in me having to reach out continuously. Ive asked to speak to supervisors and am told that a supervisor will reach out no one does. I keep getting the run around. Ive asked what information they need from me. Ive asked what verifying documents I can send in and how I can do so securely, they REFUSE to let me send in documents for my account to verify address, name, etc. theyve given me no solution or information regarding my account and just keep giving me the same generic answers. Even after a representative emailed me back stating I am eligible to open a new account followed by steps to open a new account, it still wouldnt allow me. Upon reaching back out to customer service I was once again told Im unable to make a new account even after being told Im eligible. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am filing a complaint against Midland Credit Management for attempting to collect an alleged debt originally associated with XXXXXXXX XXXX 

Nearly XXXX years ago, I received a legal summons regarding this alleged XXXXXXXX XXXX  account in XXXX XXXX XXXX. I responded in full and in a timely manner by submitting a formal legal rebuttal through XXXX. 

XXXXXXXX XXXX failed to respond to that rebuttal within the required timeframe. Since no response or judgment was issued, the matter was effectively abandoned and no valid determination of debt was made. 

Despite this, Midland Credit Management continues to send collection notices for the same alleged account. I dispute the validity of this debt and believe Midland is attempting to collect on an obligation that was not legally established.

I am requesting : Written validation of the alleged debt Proof of Midland Credit Managements legal right to collect Documentation showing that this debt survived or was adjudicated after the original legal rebuttal Until such proof is provided, I consider this collection attempt improper and request that all collection activity cease.

Company response to consumer: Closed with non-monetary relief