vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was recruited for a remote job with XXXX. I deposited a check for {$2900.00} on XX/XX/year> and was instructed to send funds to approved vendors for work equipment. The check was later determined to be fraudulent. I reported it to Bank of America on XX/XX/year>. Bank of America denied my claim, stating I authorized the transactions and that the funds could not be recovered. They also said this is not considered fraud because I deposited the check and sent the money myself. However, this ignores that I was misled under false pretenses and induced to send money through a documented employment scam a situation recognized as fraud by deception. As a result of this deception, I had to take extra security precautions, including freezing my accounts, credit reports, and Social Security number, to protect myself from further financial harm. I acted quickly, reported the incident promptly, and cooperated fully. I am requesting CFPB intervention and reconsideration of my liability for the {$2800.00} negative balance.

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
i am writing regarding the account your company is reporting on my credit file that allegedly originated with XXXX XXXX XXXX. I am formally disputing this account because it is the result of identity theft and was not opened or authorized by me. I have never opened anXX/XX/XXXX account associated with this debt, nor have I lived at the address where the services were apparently established. The account appears to have been fraudulently created using my personal information. When I contacted XX/XX/XXXX directly, they were unable to verify the account with me because the phone number and email address on the account do not belong to me. This further confirms that the account was opened fraudulently by an unknown party. I contacted sunrise and XX/XX/XXXX requesting the following. never received any communication or response A full investigation of this account as identity theft Copies of all documents used to open this account, including : Original service application Any contracts or agreements IP addresses or device information used Phone numbers and email addresses associated with the account Proof that I personally authorized this account.

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 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SERVICEMAC, LLC
State: NY

Complaint narrative:
Servicemac LLC owes me an escrow refund of {$3800.00}. This was supposed to be issued to my 20 days within closing ( closing was XXXX XX/XX/XXXX, so I was supposed to receive the refund by XXXX XXXX ). However I have still not received the refund. After calling them up repeatedly, the last time they told me that the previous servicer will refund my money which is incorrect since everything was transferred over to Servicemac in 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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I paid my vehicle loan in full about three months ago by payoff. Since then the financial company claims that they have already sent the release of the levy, but I have never received any documents. They also refuse to provide me with written confirmation of payment or proof of shipment, claiming that the cosigner is bankrupt. The vehicle was excluded from the XXXX XXXX plan and the loan was already paid in full. Despite multiple calls, the company refuses to provide information or documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Kikoff Inc.
State: PA

Complaint narrative:
I made a purchase through the company a XXXX for a pay later purchase at XXXX back in XXXX of XXXX XXXX charged me for the down payment for the purchase ( XXXX USD ) but then never payed the store for the purchase. I know this because XXXX sent me a cancellation email stating they did not receive payment. So I then made a dispute with my credit card company ( Kikoff ). I have now received a written notice from Kikoff stating they will not side with me on the matter because they seen no issue with the purchase. I have also contacted XXXX about this multiple times and they say they no longer hold the funds because I disputed the transaction with my financial institution. Im not sure if I should submit the complaint with CFBP about Kikoff or XXXX because I have contacted both companies about my funds and neither company says they hold the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I already made a complaint about this and you guys closed it and I never received anything from them. For some reason you guys stated that they gave me some monetary compensation of {$35.00} which I never asked for and they never gave anyways and is completely unrelated. This is the second month in a row that I have been trying to make payments and they are not allowing me to. I've had two credit cards for them for years and they had a promotion that if I opened a checking account with direct deposit they would give me {$300.00} so I did that and then closed the account. The checking account was on the app with my credit cards but somehow closing the checking account closed my online banking for my credit cards. I've spent literally over 5 hours on the phone with them on six separate occasions now. Transferred five or six times each conversation back to the same departments that do absolutely nothing. Then they tell me I have to wait for a debit card for a checking account that I closed so I can somehow verify this new debit card number for an account that is closed? They make no sense and I have excellent credit and they're going to XXXX that up because I'm not able to make a payment for the second month in a row. They don't contact me, they're representatives are rude and they don't identify themselves. They asked me who I spoke with last time and I can only give them some American name for somebody that is obviously in XXXX. No representative ID number, no identifying information besides XXXX from XXXX. Half the time after an hour and a half on the phone. I end up being disconnected and have to start right over and repeat everything. Mind you that every time I am transferred, six times during a phone call, I have to repeat all my information every time and re-verify. If they can not allow me to make a payment then something needs to be done about this. Whereas it is not going to affect my credit because they are not allowing me to make payments. Also, they have my old telephone number on this consumer protection website, my number is 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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Since submitting my complaint, the issue with my U.S. Bank credit card continues and is now directly impacting my ability to perform my job. Today I attempted to use my card for {$530.00} at XXXX XXXX for a rental vehicle required for a work trip. The transaction declined again, despite a supervisor previously stating on XX/XX/XXXX that the issue had been identified and fixed while I was traveling. Because the card declined, I am now forced to use my personal leased vehicle to drive approximately five hours for this work trip. This creates additional personal cost, including fuel, mileage, and potential lodging expenses that I would not otherwise incur if my credit card functioned properly. This is part of an ongoing pattern where I must repeatedly call U.S. Bank each time a transaction declines and then spend hours on hold to verify my identity and request that the card be fixed again. This repeated cycle has caused significant disruption, wasted time, and financial impact. I am requesting that this additional incident be included in the review of my complaint and that additional settlement consideration be provided to account for the continued declines, the work disruption, and the time spent attempting to resolve an issue that U.S. Bank previously stated had already been fixed.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX Amount Past Due : {$630.00} XXXXXXXX XXXX My identity was stolen in XXXX and XXXX, I have no knowledge of these two accounts and have attempted to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER 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 2026-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank lost a check for {$44000.00}. I deposited it at the teller window with an agent in person, and they lost it. The supervisor told me I was sure about the deposit. And I told her you have cameras where they can verify that I made the deposit I try to fix the problem.with chase bank But they don't help me solve my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Regional Management Corporation
State: TX

Complaint narrative:
{$0.00} owed XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Regional Finance XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Account Number XXXX XXXX XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
My account has been charged off since 2021. They don't even have possession of the vehicle. They keep changing the dates for C/O and reporting negatively on my report & everytime i call they state they are not reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
{$760.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Account Number : * XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I was granted an trial payment for loan modification. I made my first payment along with my second payment. I actually overpaid my first payment and unfortunately on the 2nd trial payment it was sent over a dollar short which payment was {$1800.00} and the freak error was sent at {$1800.00}. once I found this matter out I quickly acted on it spoke to numerous representatives. Was told that they were working to get this matter resolved and reestablish because of the error and off payment. I was able to get the payment back after 2 two days from XXXX XXXX, I again spoke to numerous representatives assuring this correction to get denied and told false and honestly baited info it seems to me for another chance at trail but, the attested agreement ended up being a set up for future denial when I made it to the 3rd trial payment. It's unfair and I feel like I was directly misinformed and mislead for failure while I was told to email receipts in which I did of the payment made before the payment date!. Asked for an appeal and got decline now I have a XXXX XXXX XXXX XXXX and XXXX XXXX in which I'm getting booted out of my home in which I have terrible XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This is beyond unethical and beyond right. I need help and this investigated every conversation was recorded and documented to support my case and cry to have my loan re modified. I really need assistance after all the steps and emails I done to get set up to be homeless I'm the economy we are in. I believe laws where broken and loopholes used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Sunrise Credit Services, Inc.XXXX : Account XXXX. XXXX Creditor : XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby directed to CEASE AND DESIST all communication with me regarding the above-referenced account. You are prohibited from contacting me by telephone, mail, email, or through any XXXX XXXX regarding this alleged debt. Any further attempt to contact me after receipt of this notice will constitute a knowing and willful violation of federal law. Be advised that I am maintaining detailed records of all communications. Any violation of this notice will result in immediate complaints filed with the Consumer Financial Protection Bureau and my State Attorney General, and I will consider pursuing civil remedies for statutory damages, attorney fees, and costs as permitted under 15 U.S.C. 1692k. You may only contact me for the following purposes permitted by law : To confirm that you will cease further communication ; or To notify me of specific legal action being taken. Any other communication will be documented as harassment and a violation of the FDCPA. Govern yourselves accordingly.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
On XX/XX/year> I got a notification of a derogatory note hitting my XXXX XXXX. Upon opening my credit I found a collection company by the name Credence Resource Management. I called them directly, and was met with a rude, condescending customer support person who threatened legal action if I did not make payment. I explained I had never received, nor know of any debts in my name that are not within good standing. Since the call did not go well, I then connected with my credit bureaus to file a complaint. I have been working with my local law enforcement to obtain a police report. My credit then went on lockdown for the foreseeable future. Credence Resource then sold that debt to a new company called XXXX XXXX XXXX. I just contacted them to let them know I am disputing it, and will send the police report to their corporate office as well. While on my XXXX account, I noticed XXXX fraudulent home address outside the state I have lived in for XXXX years. I have again filed fraudulent credit and address information with the other XXXX bureaus as well.

Company response to consumer: Closed with non-monetary relief