vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I contacted this company to inform that I have never dealt with this company. This company informed me that they an inaccurate date of birth and address on file for me but continue to report this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Companys communication is poor and they use aggressive and unethical means of collecting, contacting and possession of property

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 was result of identity theft
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: We Collect Inc
State: AZ

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Complainant XX/XX/XXXX XX/XX/XXXXSubject : Improper Account Restriction and Withholding of Funds by Atlas Bank I am filing this complaint regarding Atlas Banks restriction of my account and their continued refusal to release my funds despite my compliance with their requests and the resolution option originally offered to me. My account was initially paused by an Atlas Bank representative named XXXX due to an alleged name mismatch with a linkedXX/XX/XXXX account ending in XXXX. During our communication, XXXX provided three possible options to resolve the issue. I selected Option 2, which XXXX described as a solution for situations involving a joint account where no documentation would be required in order to proceed. Based on this representation, I chose that option. After I selected Option 2, XXXX later contradicted the information previously provided and informed me that Option 2 was no longer available. I was then told that I would need to submit documentation such as a marriage certificate in order to verify the account before my funds could be released. This change in requirements occurred after the option had already been offered and accepted, and without any reasonable explanation. I also explained to Atlas Bank that the other account holder associated with the linked account is currently incarcerated, which makes obtaining documentation such as a marriage certificate or other verification extremely difficult and in some cases impossible within a reasonable timeframe. Atlas Bank now claims the issue is related to a Plaid data discrepancy, and they are refusing to release my funds without documentation that was not originally required under the resolution option offered to me. Despite complying with all requests made of me, my account remains restricted and I have been denied access to my own funds. This situation has created serious financial hardship. I believe Atlas Banks actions constitute unfair and deceptive practices, as they changed the terms of the resolution after it had already been presented and accepted. Their refusal to honor the originally offered option has effectively resulted in my funds being held without proper justification. Resolution Requested I am requesting the following : The immediate release of my funds. A review of Atlas Banks policies and practices regarding account restrictions and verification procedures. I respectfully request that this matter be investigated and that Atlas Bank be required to resolve this issue promptly. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IA

Complaint narrative:
I had an account and I end up losing my phone number and I end up losing my email address because my phone broke so I had to set up a new cash app account I tried to get my money for my old cash app account sent to my new cash app account and it's been a run around they said they can't find my account but I gave them to cash tag as money sign XXXX XXXX XXXX and they will not give me my money I've been trying to deal with this for XXXXXXXX XXXX XXXX XXXX months now I just don't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MI

Complaint narrative:
So my account was frozen with credit karma with over XXXX dollars in it. I really need my money my account is locked, Im going through a hardship my job closed on the XXXX of XXXX Im struggling and I planned on paying my bills with that money now my account is frozen I really need access to my funds asap. Please could someone help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint against American Express for failing to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ) regarding a disputed charge of {$2200.00} from XXXX XXXX ( Amex XXXX : XXXX and XXXX ). XXXX XXXX involuntarily canceled my connecting flight to my final destination, breaking my continuous itinerary. Under XXXX DOT regulations ( 14 CFR 260 ), this entitled me to a full refund, rendering the itinerary a " Trip in Vain. '' XXXX XXXX falsely told Amex this was a " voluntary '' cancellation to keep my {$2200.00} upgrade fee. When I attempted to appeal Amex 's decision and provide new, irrefutable documentation proving the airline-initiated cancellationand proving I have filed a formal US DOT enforcement complaint against the airlineAmex phone representatives refused to accept my documents, refused to reopen the dispute, and stated the case was permanently closed. Amex failed to properly investigate the merchant 's false claims and is now blocking my legal right to appeal with new evidence. I am requesting that Amex Executive Resolutions reopen this case, accept my documentation, and permanently reverse this {$2200.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to provide feedback regarding the response submitted by the collection agency in reference to my complaint filed with the Consumer Financial Protection Bureau. I previously reached an agreement with the collection agency to resolve the alleged debt through a lump-sum settlement for a reduced amount. I fulfilled the agreed-upon payment as required under the terms of that settlement. However, despite this agreement, my credit report still reflects an outstanding balance of {$330.00}, which is inaccurate and misleading. In their response, the collection agency stated that they have no control over how the balance is reported on my credit report. I respectfully disagree with this statement. As the entity furnishing the information to the credit reporting agencies, the collection agency has a responsibility under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to ensure that the information being reported is accurate and not misleading. If a lump-sum settlement was agreed upon and accepted as resolution of the account, the account should not continue to reflect an outstanding balance. Reporting a remaining balance after a negotiated settlement can constitute inaccurate or deceptive reporting. Additionally, the agency stated that the debt should be reported as settled in full, however, the account currently does not reflect that status and still shows an unpaid balance. This discrepancy further demonstrates that the account is not being reported correctly. At this time, I am requesting that the collection agency take immediate action to correct this issue by doing one of the following : 1. Delete the collection account entirely from my credit report, or 2. Update the account status to Settled in Full with a {$0.00} balance, accurately reflecting the settlement agreement. Failure to correct this inaccurate reporting may constitute violations of the FDCPA and FCRA. If this matter is not resolved promptly, I will consider pursuing further action, including consultation with a consumer protection attorney to protect my rights. I appreciate the Consumer Financial Protection Bureau reviewing this matter and assisting in ensuring that accurate information is reported to the credit bureaus.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To : JPMorgan Chase Bank Customer AdvocacySubject : Request for Overdraft Fee Reversal Due to Hardship Dear Chase Bank, I am writing regarding several overdraft fees recently charged to my checking account. These fees were triggered by small debit purchases and an unexpected claim reversal of {$180.00} from XXXX that caused my account balance to go negative. I contacted Chase customer service and spoke with a supervisor requesting assistance with reversing at least XXXX of these overdraft fees due to hardship. My request was denied. However, shortly after that conversation, XXXX additional overdraft fees were added to my account. I am a senior citizen living with a XXXX and rely on my limited income to meet my basic needs. These repeated {$34.00} overdraft fees have placed a significant burden on me financially. Additionally, I received notifications indicating that I had time to make deposits to avoid additional fees. Despite making deposits to correct the balance, more fees continued to be added. This has created confusion and hardship. I respectfully request that Chase review my account activity and reverse the overdraft fees associated with these transactions as a courtesy due to my circumstances. I value my relationship with Chase and am asking for reasonable consideration in this matter. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
As you know, my house was sold at auction following a foreclosure. After the sale, I was informed that there were excess proceeds of approximately {$3000.00} available to me and to the man who committed a federal crime by forging my signature on a mortgage document ( and who now resides in XXXX with XXXX XXXX XXXX XXXX ). His name is XXXX XXXX XXXX. I did not sign the paperwork to receive my portion because there are issues involving fraud and forgery that I am in the process of addressing, which I will explain in more detail. XXXX did receive his half of the excess funds. Please let me know if you need any documentation or additional information for tax or record-keeping purposes. All the best, XXXX XX/XX/year>, XXXX " XXXX XXXX '' wrote : Dear ( accountant ), I received a 1099-C form from Newrez/Shellpoint regarding the mortgage on the house that was taken by XXXXXXXX XXXX. A 1099-C means the lender is reporting cancelled debt to the IRS, which could create tax consequences for me, as well as XXXX. Given that my signature was forged by XXXX and attorney XXXX XXXX and I never knowingly agreed to this debt, Im extremely concerned about both the legal and tax implications. I do not want to spend more money on litigation, but I need guidance on how to properly handle this especially since this may involve fraud and identity issues. If you know any attorneys or experienced professionals who would be willing to review this situation or offer guidance, I would deeply appreciate the help. Im trying to approach this carefully and responsibly without escalating costs further.

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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NE

Complaint narrative:
Ibe disputed this charge through numerous apps over the years due to the fact that this original contract is way beyond the year mark. I still have yet to receive the original documents for this contract but I will reach or to XXXX XXXX tomorrow as they have acquired XXXX and will hopefully have documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Subject : Ongoing Failure to Apply Amex XXXX XXXX XXXX Dear CFPB Officer, I am an American Express XXXX cardholder entitled to the $ XXXX monthly XXXX XXXX credit . While Amex states this credit is applied on the first of each month, I have never seen it reflected in my XXXX or XXXX XXXX account. For the past XXXX months, the XXXX team manually provided the {$15.00} as a favor after I called ( First call was on XX/XX/year> and the second call was on XX/XX/year> ). However, they explicitly informed me that these manual adjustments are not part of the Amex benefit and can not be guaranteed every month. I have attached a screenshot for your review. This screenshot was taken on my XXXX account under Wallet>Deals & Rewards. As you see in this screenshot, the system assumes that I am receiving the {$15.00} XXXX cash credits. However, XXXX XXXX received XXXX amount is {$0.00}. As of today, XXXX XXXX, if their system showed the correct amount, XXXX would have been {$45.00}. This is the problem that I have been trying to explain since XXXX months. Despite both Amex and XXXX having open cases, after XXXX months, there is still no resolution ( my last call was on XX/XX/year> ). I am missing my promised benefit, and I can not continue calling both companies every month. They keep transferring the issue to one another and I am genuinely tired of following up constantly. I request immediate action to ensure the credit is automatically applied going forward, as originally promised. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> I paid this account in full, in agreement for a pay and delete it shouldnt be still be reporting on my report

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: 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: ADP Inc.
State: MS

Complaint narrative:
On XX/XX/2026, my card was physically stolen and used without my authorization to make several purchases. I did not authorize these transactions and I did not share my card or my information with anyone. When I realized the unauthorized purchases, I immediately reported the fraud to the card company. However, my claim was rejected even though I explained that my card had been stolen. The transactions were made in person without my permission. I asked for the case to be investigated again, but I did not receive a fair solution. I am filing this complaint because I believe that the company did not properly investigate the fraud and I need you to review my case and help me recover the money that was withdrawn from my account without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$300.00} through XXXX from my Wells Fargo account to purchase wigs advertised on social media. The seller promised to ship the items but never provided tracking information and stopped responding after receiving payment. I contacted Wells Fargo and filed a fraud/scam claim regarding this transaction ( Claim # XXXX ). Wells Fargo investigated but denied the claim, stating that the transaction was authorized. However, the payment was made based on misrepresentation because the seller never delivered the goods as promised. After posting about the incident, multiple individuals contacted me stating they had similar experiences with the same seller and were also scammed for similar amounts. Based on this pattern, I believe the XXXX account used to receive my payment may be part of an ongoing scam operation using different accounts to collect money from victims. I am requesting that Wells Fargo review this case again as a scam transaction and assist in contacting the receiving bank to attempt recovery of the funds.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a debt collection account that I believe is inaccurate and has not been properly validated. I requested validation of this debt, but the collection agency has failed to provide documentation proving the debt belongs to me. Despite this, they continue reporting the account to the credit bureaus and attempting to collect. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting that the company provide proper validation of the alleged debt or immediately remove the account from my credit report. If they can not verify the debt with original documentation, I request that the account be deleted and all collection efforts cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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