vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I am writing to formally address the repeated opening and freezing of my account with Credit Karma Money over the past XXXX days. During this period, my account has been opened and frozen multiple times, creating significant confusion and concern. I have now been informed that my account will be permanently closed. At the time of this notice, there are still funds in my account, as well as XXXX pending disputes that have not yet been resolved. I was advised that the remaining balance will be transferred to the external bank account currently linked to my Credit Karma Money account. However, I no longer have access to that external bank account. I have communicated this to your representatives and requested that the funds be sent to a different account that I currently have access to, but I have been informed that she would put that in her notes. This situation places me at serious risk of being unable to access my own funds. Additionally, closing the account while XXXX disputes are pending raises concerns about how those disputes will be investigated and resolved. I respectfully request the following : XXXX. Written confirmation of how and when my remaining funds will be disbursed. XXXX. An alternative method to receive my funds, given that I no longer have access to the external account on file. XXXX. Written clarification regarding the status and handling of my XXXX pending disputes after account closure. XXXX. A formal explanation for the repeated opening and closing of my account within such a short time frame. Also I have called several times with hold times being almost XXXX hours each time I have screenshots of chats and times I have waited on hold to be told different things with the XXXX disputes I was in realtime speaking with Credit karma and was able to stop the would have been XXXX dispute if it wasn't so difficult to contact Credit karma those disputes could have been stopped sooner im out of things to do So many emails calls and chats with no resolve. Please treat this matter as urgent. I expect a prompt resolution and clear communication regarding next steps. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding a car rental booking made through Capital One XXXX XXXX using my XXXX XXXX credit card. In early XXXX ( XX/XX/06 ), I booked a XXXX rental car for my family through Capital One XXXX. The booking used the {$300.00} XXXX XXXX travel credit and approximately {$110.00} was charged to my credit card. During booking, there was no field where I entered my own name, and only my wifes name was entered during checkout as the only driver. My wife is also an authorized user on my XXXX XXXX credit card. At the airport pickup counter, XXXX refused to release the vehicle because the credit card primary holder ( me ) was not physically present. This requirement was not clearly disclosed during the booking process on Capital One XXXX. Importantly : XXXX advised us to contact Capital One to cancel or change the booking name. We immediately called Capital One XXXX from the rental counter. XXXX XXXX representative told us they would contact XXXX to cancel the reservation ( estimated XXXX hours ). At no point were we informed that the booking would be non-refundable or that cancellation could result in forfeiture of both the travel credit and the charged amount. This reservation was NOT voluntarily canceled. Over the following weeks, I made multiple calls to Capital One XXXX. Different agents stated that XXXX should not see my name in the reservation and suggested that this was XXXX system issue. Several agents indicated they were unaware of any requirement that the cardholder must be present at pickup. After nearly a month of follow-up, Capital One finally informed me that XXXX declined the refund request. As a result, both the {$300.00} XXXX XXXX travel credit and the approximately {$110.00} charged to my credit card were forfeited. I relied on Capital One Travels platform disclosures and their customer service instructions when canceling the reservation. I was never informed that cancellation would be non-refundable. The requirement that the credit card holder must be present was not clearly defined in the booking flow, especially when the only name entered was the driver ( who is also an authorized user ). Capital One XXXX is the merchant of record. I should not be forced to resolve this directly with XXXX. I am requesting : XXXX. Reinstatement of the {$300.00} XXXX XXXX travel credit. XXXX. Refund of the approximately {$110.00} charged to my credit card. This matter involves unclear disclosure, inconsistent information from agents, and reliance on Capital Ones cancellation instruction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 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: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Formal Complaint Refusal to Properly Investigate Dispute Services Not Rendered To Whom It May Concern, I am filing a formal complaint against Chase Bank regarding their handling of a dispute for services not rendered totaling {$3200.00} ( {$250.00} and {$3000.00} transactions ). On XX/XX/2026, I contacted Chase from phone number XXXX to dispute charges from XXXX XXXX XXXX in XXXX, Florida. The services were never rendered. I requested a temporary credit and was told I was not eligible due to a 60-day rule that was not clearly explained to me. Chase informed me I would need to resolve the matter directly with the merchant, despite clear dispute rights under Regulation E for unauthorized or disputed transactions involving services not provided. Additionally, there are transaction inconsistencies. I conducted business with XXXX XXXX, yet one of the transaction descriptors appears under a different business name ( XXXX XXXX XXXX XXXX, raising further fraud concerns. I requested review of recorded calls where a Chase representative provided misleading information. I am requesting that Chase : Conduct a full Regulation E investigation. Provide copies of all call recordings from XX/XX/2528 and XX/XX/2026. Issue a provisional credit while the investigation is ongoing. Provide written explanation citing the specific regulation used to deny my temporary credit. As a consumer, I relied on my bank to protect me from merchant misconduct. I am currently out {$3200.00} for services never performed. I am requesting immediate intervention and oversight. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: MD

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 2026-03-02 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: GA

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 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am an XXXX XXXX XXXX in the U.S. Air Force , serving on a XXXX XXXX XXXX XXXX ( XXXX ) tour in California. I am filing a formal complaint against M & T Bank for their unlawful refusal to process a mortgage deferment that I am entitled to under the California Military Families Financial Relief Act ( CMFFRA ). Since XX/XX/year>, I have been attempting to use my rights under this California state law. Instead of processing my request, M & T Bank has engaged in a months-long pattern of delay and misinformation, culminating in a formal written denial that is based on a clear misapplication of the law. The key issues are as follows : Wrongful Application of Federal SCRA Rules : In their attached denial letter, M & T Bank claims I am ineligible because my loan originated during my period of active service. This " loan origination date '' rule is from the federal SCRA, not the California CMFFRA. The CMFFRA has no such requirement. M & T Bank is improperly using XXXX law to deny my rights under another. False Claim of Legal Exemption : The denial letter also claims that as a national bank, M & T is not subject to this state law. This is a claim of federal preemption that must be scrutinized by the CFPB. Misunderstanding of XXXX Service : The bank is also attempting to disqualify me based on my status as a " career '' AGR member on continuous orders. The CMFFRA applies to " service members '' on " military service. '' My XXXX orders confirm I meet this definition. The bank is inventing an interpretation of the law 's " intent '' to wrongfully exclude me. I have made every attempt to resolve this internally. While the representatives in the SCRA department were friendly, my experience with the 'XXXX XXXX XXXX XXXX ' department was the opposite ; I was treated extremely poorly and rudely while being given incorrect information. I have been met with representatives unfamiliar with state law, conflicting information, and now, a formal denial that is legally baseless. This is an unacceptable and unlawful position for a bank to take against a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a Wells Fargo credit card customer for over XXXX years. In XX/XX/XXXX, I missed a single payment because I believed automatic payments had been set up on my account. This was not intentional I was unaware that XXXX was not properly configured. Before and after this XXXX incident, I have never missed a payment in over XXXX years of account history. I contacted Wells Fargo by phone on XX/XX/XXXX to request a XXXXl adjustment to remove this single late payment from my credit bureau reporting. Despite my long-standing relationship and otherwise perfect payment history, the representative refused to assist and would only direct me to submit a written letter. I was not transferred to any department with the authority to review my request. I am requesting this be reviewed by someone with the ability to make a XXXX adjustment given the circumstances.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Branch Messenger, Inc.
State: NE

Complaint narrative:
This complaint concerns XXXX unauthorized transactions on an Uber Pro Card ending in the same last XXXX digits : {$360.00} on XX/XX/2025 {$1000.00} on a later date The {$360.00} transaction was initially denied as a dispute because the company claimed it was reported outside the XXXX-day window. However, a replacement card was issued on XX/XX/2025 due to prior security concerns, and the dispute was filed immediately after receiving the new card. This demonstrates that I acted promptly once the compromised card was replaced. I requested full documentation for both transactions, including : Authentication method used to approve the transactions Payout destination details Proof of express authorization Information about the card/account issued, including how the {$360.00} transaction occurred before the replacement card and how the {$1000.00} transaction was allowed to post afterward Confirmation that both transactions are being fully investigated by the XXXX department Steps taken to prevent this type of fraudulent activity in the future The company did not provide this information and only supplied the last XXXX digits of the card, which is insufficient to determine how the transactions occurred. Although the {$1000.00} transaction originated from the account, it was not authorized, indicating that someone added the card number fraudulently. These unauthorized charges demonstrate a pattern of account compromise, and I am requesting a full reinvestigation of both charges along with documentation supporting how they were authorized and confirmation from the XXXX department. Resolution requested : Full refund of the unauthorized charges ( {$360.00} and {$1000.00} ) Documentation of authorization methods and payout destinations Confirmation of actions taken to prevent future fraud Written confirmation of the reinvestigation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPG Associates, Inc.
State: KY

Complaint narrative:
I received an email on XX/XX/XXXX dated for XX/XX/XXXX stating I owned a debt of {$500.00} to XXXX XXXX XXXX. The collector called me on XX/XX/XXXX around XXXX est wanting me to confirm information, that I was not comfortable giving and stated that. I googled said debtor ( XXXX XXXX XXXX ) could not find or verify. I contact the only companies that were close in name, gave the the account number listed on emailed letter from NPG Associates and neither had ever heard of them and the account number was not showing. I am writting a disputing letter and mailing it to the company NPG to figure out what this debt is because I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of my dispute involving 22 digital debit card transactions processed by XXXX XXXX. I reported these transactions as unauthorized and provided an official FTC Identity Theft Report to support my claim. Despite this documentation, Wells Fargo denied my dispute, stating that they conducted an internal investigation and determined that they did not need to contact the merchant. After the denial, I contacted the merchant directly. The merchant advised me that I would need to obtain a refund through my bank. However, Wells Fargo confirmed that they did not contact the merchant or request login records, device identification logs, or authentication data prior to denying my claim. Additionally, my XXXX account was closed to prevent any further unauthorized transactions. This action supports my position that the activity was not authorized by me and that steps were taken to mitigate additional losses. I am concerned that Wells Fargo relied solely on internal data without obtaining merchant records, despite the merchant directing me back to the bank for resolution. I have requested documentation explaining the specific evidence used to determine that no error occurred but have not received a detailed response. I respectfully request that Wells Fargo : Provide a detailed written explanation of the investigation conducted. Provide copies of all documentation relied upon in determining that the transactions were authorized. Confirm whether merchant login records or device logs were requested or reviewed. Reevaluate the denial in light of the FTC Identity Theft Report and account closure. I am requesting regulatory review to ensure that my dispute was investigated in accordance with Regulation E requirements.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Validation of Debt Request - TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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