vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank allowed a return from XXXX XXXX for {$170.00}. I received the refund but, the bank took the refund away. In emails I explained that the company rejected my request for a refund, so I went to Chase. The company told Chase I did not return the product. So I returned the product certified mail. Forwarded the information to the bank and now they are telling me there is nothing they can do I need to contact the company! The same people who rejected my request! They said they would give me a discount that it would take to long to return to XXXX, but when the bank took the money they had an office right here in California. Chase should not be allowed not help their client recover their money from a corrupt company probably doing this all day to women of XXXX who have no recourse after your bank wont help you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by a debt collector. I paid this account in full on XX/XX/year>, before the account was ever reported to any credit bureau on XX/XX/year>. Despite the debt being satisfied prior to reporting, the company reported the account as a collection to the credit bureaus after the payment was made. Reporting a collection account after the debt was already paid creates misleading and inaccurate credit information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), companies that furnish information to credit reporting agencies are required to report accurate information. Reporting a debt as a collection after it was already resolved does not accurately reflect the status of the account. Additionally, under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act, once a consumer disputes inaccurate information, the furnisher is required to conduct a reasonable investigation and correct or delete information that can not be verified as accurate. Furthermore, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of a debt. Reporting a paid account as a collection after it was already satisfied may constitute a misleading representation of the status of the debt. Because this debt was paid prior to being reported, the collection account appearing on my credit report is inaccurate and damaging to my credit profile. I am requesting that this collection account be removed from my credit reports with XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: SC

Complaint narrative:
In XX/XX/year>, I lost both my phone and my Skylight XXXX XXXX XXXX Within five days of discovering the loss, I reported the phone and card missing to Skylight XXXX. After the loss, several unauthorized transactions were made via XXXX XXXX to individuals I do not know, totaling {$4500.00}. I did not authorize any of these transactions and received no benefit from them. I submitted claims ( # XXXX and # XXXX ) disputing these charges. Skylight initially issued provisional credit but later denied the claims, stating that an authorized person performed the transactions. I requested documentation and evidence supporting this determination, including device ID, login history, IP addresses, and authentication methods. Skylight has not provided any of this requested information. I am requesting a full reinvestigation, that the provisional credit be reinstated, and that the company provide all documentation relied upon to deny my claims. These transactions clearly qualify as unauthorized electronic fund transfers under Regulation E.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
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 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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A debt collection agency is reporting a collection account on my credit report on behalf of XXXX, and I dispute this debt because I do not owe the amount being reported. During the time period in question, I had active auto insurance coverage and did not agree to any additional enrollment, renewal, or charges from XXXX. It appears that XXXX billed these charges after my policy ended in an attempt to continue or renew coverage without my authorization. I never agreed to renew the policy or accept these charges. Despite this, the alleged balance was sent to collections and is now being reported on my credit report. This reporting is inaccurate, misleading, and damaging to my credit profile I have not been provided with any documentation proving that I authorized these charges, agreed to renew coverage, or that I am legally responsible for the amount being claimed. Reporting a debt that was not authorized and has not been properly validated is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
I contacted chime support to inquire about new instant loan after paying off my previous loan with them and waiting the cool down time. I was first told after the 15 days cool down that it could actually be 30 days. I then spoke to a supervisor who assured me it would be available that day and if it hadnt to contact support again. These conversations took place on XXXX. On XXXX I contacted support once again to inquire about why I hadnt received my instant loan offer yet again, this time I was told support agents can not see why or when consumers will get instant loan offers. I then spoke to another supervisor who disconnected with me twice while dodging all direct questions. On my fifth attempt to speak with someone rational who would actually answer my questions, he without conforming in word admitted that I was lied to by the previous supervisor from the day before and I was ineligible for a loan, but also said that all support can not see why people are ineligible. This practice is striking me as extremely predatory and the assurance that was dishonored was known to be fictitious and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
A {$2000.00} deposit from XXXX XXXX XXXX XXXX was not returned to my credit card. The car was damaged in a parking lot overnight. A police report was filed, XXXX paid XXXX the claim however, XXXX failed to provide me with any further communication or reasoning as to why the charge remained. I filed the dispute with Wells Fargo in XX/XX/year>, and it's been a nightmare attempting to get the information across. I've spoken to countless agents for hours on end. I have explained the situation and provided documentations countless times. Despite the charge remaining on my card, it appears, that XXXX has not provided Wells Fargo with any solid reason the charge should remain. -- -only excuses and false claim information submitted to XXXX and Wells Fargo . XXXX has claimed that I never filed a police report. It is attached. They are claiming that I somehow delayed their process. XXXX has attempted to claim several months of loss of use despite a repair bill showing the car was repaired in 2 days.

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 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
This account is fraudulent, ( XXXX ) Approx XXXX in collection acct. This collection account was put on my credit report over 2 years ago fraudulently. I have had many instances trying to get it removed unsuccessfully. I have recently had XXXX FINALLY approved the REMOVAL of this fraudulent COLLECTION ACCT ( XXXX ) {$5200.00} Approx XXXX yrs.old. PLEASE AT LAST! WILL YOU FINALIZE WHAT I WAS actually ABLE TO GET SEMI-ACCOMPLISHED thru the XXXX dispute center... Which is to specifically & directly REMOVE THIS FRAUDULENT COLLECTION acct ( XXXX & all of its incorrect info ) 100 % off of MY CREDIT REPORT ... PERMANENTLY! Pretty Pretty PLEASE! Thank you in advance. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: DE

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - 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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA on XX/XX/XXXX for a 10 day payoff quote of my auto loan. I was told that the payoff would be {$75000.00}. XXXX sent USAA a check for the amount of {$76000.00}. I had not heard from USAA or seen any action of the check being applied so I called USAA to speak with a representative on XX/XX/XXXX. That representative told me that the check would not process due to the account number being on the check. The check did have my XXXX number, but she said it is insufficient. So I called XXXX on XX/XX/XXXX and they were able to stop pay the original check and send out the correction. What USAA did next was process the first check on XX/XX/XXXX after telling me that it would be declined. This resulted in additional fees and interest in the amount of {$110.00}. The second check was received on XX/XX/XXXX and was applied to the account. I called USAA again today XX/XX/XXXX to see if they could resolve the situation due to their agents guidance of how I needed to proceed with the check. USAA was unwilling to reverse the fee and additional interest caused by processing the first check. I am asking for CFPBs support to help resolve the situation with USAA and make things right.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To the Consumer Dispute Department, I am writing to formally dispute the following inaccurate items on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and delete any information that is inaccurate, incomplete, or can not be verified. Disputed Item # 1 : LVNV FUNDING LLC ( Acct # XXXXXXXX XXXX ) Inaccuracy : This account is reporting a " Date Opened '' of XX/XX/year>. This is factually false. I did not open an account with LVNV Funding on this date. By reporting the purchase date as the " Date Opened, '' you are re-aging the debt and making it appear newer than it is, which is a violation of the FCRA. Requested Action : Delete this trade line immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CB1, Inc.
State: FL

Complaint narrative:
XXXX, XXXX we moved out of our rental, managed by XXXX XXXX XXXX, XXXX, MT, due to the owner selling the property and moved into another house managed by XXXX. We completed the move out procedures, including a walk-through with the property manager, and were informed of a couple minor issues ( the biggest being a spot on a carpet that couldn't be removed ) that would incur a cost that would come out of our security deposit. I don't remember the estimated cost given but I think it was around {$200.00} or so. Our deposit was {$2400.00}. They kept the entire amount and gave us a bill on top of that for replacing all of the carpets in the unit, which did not need to be replaced. We refused to pay that bill. Then, in XXXX, XXXX, we gave XXXX our 30 day notice to vacate ( per our lease ) in advance of a move in XXXX. We were told we would be breaking the lease and would still have to pay rent and utilities until the place was rented again. I pushed back and send a copy of the lease which stated after the initial lease expired, we were on a month-to-month lease and were required to give a 30 day notice. They responded that they sent a renewal ( which we did not agree to nor sign ) renewing the lease for 12 months. I contacted a lawyer for advice and was told they can not unilaterally change the lease without our agreement/signatures. I then told XXXX that and did not hear any more about that. However, on moving out and completing a walk-through with the property manager, I was told everything looked " good ''. After a few weeks, Instead of receiving my {$3100.00} deposit, I received a bill for repairing a list of damages and was informed the amount was in excess of my deposit, which they kept in full. The damages in both cases were false claims ( except for a spot on a carpet in the first house ) and I should have received around {$5900.00} in deposit refunds but instead have a {$5500.00} bill in collections that is preventing me from renting a house as it is from a previous landlord. We did not leave behind any damage beyond normal wear and tear and even fixed some items that were damaged prior to us moving in. I was even told by the carpet cleaner we hired for a move out clean to not even bother paying for a professional clean as his experience with XXXX was that they would charge for cleaning anyway. There are reviews online that also mention this same type of thing so it appears to be their MO. I have disputed the charge with the credit bureaus multiple times to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX COMMUNICATIONS - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXXdays of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX COMMUNICATIONS - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX COMMUNICATIONS - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX - XXXX * * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice withinXX/XX/XXXXdays of initial contact. Since I did not receive proper validation, this account must be removed. XX/XX/XXXX - XXXX * - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice within XX/XX/XXXXdays of initial contact. Since I did not receive proper validation, this account must be removed. XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX XXXX - XX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit reportXX/XX/XXXX- XX/XX/year> - Invalid and unauthorized inquiry- XXXX has no Permissible purpose. Please REMOVE it from my credit report In violation of XXXX XXXX. XXXX. They were to notify me of this in writingXX/XX/XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. FCRA XXXX ( XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: NY

Complaint narrative:
Debt collector is harassing family members attempting to collect another person 's debt. The person on the phone used an automatic service to answer to answer the phone to transfer me to a caller, the caller failed to identify the reason for his call or the purpose of his call to look for a family member. I had to XXXX the company to figure out the purpose of the company. This agency called at least 2 known family members looking for XXXX XXXX which is boarder line harassment and would not provide any information concerning the call. The agent even lied and said I was given as a person of contact but would not provide any more details. I do not want to be contacted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
My Bank Of America XXXX debit card was stolen for my business XXXX XXXX XXXX, XXXX. A charge for {$550.00} from XXXX XXXX, and {$450.00} from XXXX was fraudulently taken from account. I filed a police report and a dispute with BOA. I havent received any written communication confirmation for this dispute and ask that this process be governed.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was issued a student refund check from my college XXXX University. I went into the branch on XX/XX/year> to put the check into my account. I was told that the funds would be available on XX/XX/year>. Chase bank put a hold on my check saying they needed to verify the check. They still have yet to verify the check as I spoke with numerous representatives and managers, who have been rude and hanging up the phone on me. I gave them direct numbers to contact the department at XXXX University and the bank refused to use the numbers. I even had someone from the school on the phone and they refused to speak with them. The bank said I have to wait two years to get my fund until they can verify the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
There is a discrepancy between the " Status Updated '' ( XX/XX/XXXX ) and " Balance Updated '' ( XX/XX/XXXX ). These dates are logically inconsistent. If the balance is being verified monthly, the status must reflect that. The data provided by the furnisher is contradictory and fails the " maximum possible accuracy '' test. Requested Action : Delete this trade line immediately.

Company response to consumer: Closed with non-monetary relief