vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This complaint concerns a collection account being reported by National Credit Systems , Inc. for {$2800.00} related to alleged move-out charges from a former apartment. 

On XX/XX/year>, I sent National Credit Systems a written dispute and request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I disputed the debt in full and requested documentation, including an itemization of charges and proof of the alleged damages.

I never received any response, validation, or documentation from the collection agency. 

Despite failing to provide validation, National Credit Systems continues reporting this account to XXXX XXXX XXXX XXXX  I disputed the account with all three credit bureaus, and the company verified the debt to the bureaus without ever providing validation to me. 

This debt stems from disputed apartment damage charges that I believe are normal wear and tear. No documentation has been provided by the apartment, nor the collection agency, to substantiate the amount claimed. 

I am requesting that National Credit Systems provide proper validation of this debt, including documentation of the alleged damages and itemized charges, or cease reporting the account and delete it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of social engineering fraud. A hacker broke into a friend 's XXXX and impersonated her, asking for money via XXXX. I believed it was really her and made the transfer of {$470.00}. The next day, when I spoke to my friend, she confirmed that her phone had been hacked and that several people had received violent messages. 

Bank of America denied my claim, but this was not an authorized transaction it was a fraudulent transfer. I am requesting that you reopen the case, properly review it, and reimburse me according to the social engineering fraud policies.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I've Identified accounts and inquiries on my consumer credit report as a result of identity theft. These items are not related to any transactions made by me. I've tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
b'judgement was completed by myself in the sum of XXXX on XXXX,  Javitch Block LLC still has  not contacted my employer or the court to advise them of this. i talked with XXXX  today at XXXX XXXX XXXX XXXX ask if a letter of satisfaction was sent out , she advised me no, it has been XXXX  days since it has been paid in full. Javitch Block LLC has my family and I living on XXXX  a week and we are a family of XXXX. I called Javitch Block LLC  many times left voice mails to prevent XXXX  but no one returned calls. I requested for a supervisor and attorney to call me last week as of today I have not received a call from either one. I have attached proof of paid in full.'

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Bank Placed my check on hold in a crucial financial time for me and refused to release payment for 10 business days even if i helped with any verification they would need they would not tell me why my check was placed on hold and this caused me to default on several payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They restricted my account XX/XX/XXXX and said theyll close it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have an auto loan with Exeter Finance for a XXXX XXXX XXXX with an APR of approximately XXXX % and a monthly payment of {$610.00}. Despite paying over {$15000.00} toward this loan, my principal has only been reduced by about {$3600.00}. 

I have been charged excessive late fees and my payments have largely gone toward interest and penalties. This has made it extremely difficult to make progress on the loan. 

On XX/XX/XXXX, I sent a formal written dispute and request for review under the FTC Holder Rule and Maryland consumer protection law. Exeter Finance has not responded. 

I am requesting a formal review of my account, removal or reduction of unfair fees, and reasonable restructuring options. I am also requesting transparency regarding how my payments are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unsubstantiated information furnished by Navy Federal Credit Union and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. to XXXX XXXX XXXX, a consumer reporting agency used by financial institutions to determine account eligibility. 

I disputed the reported information with XXXX XXXX XXXX XXXXXXXX XXXX completed reinvestigations for both disputes and confirmed in writing that it does not possess any account-level documentation and relied solely on each furnishers assertion in concluding that the information was accurate and complete. 

XXXX XXXX further advised that any underlying documentation resides exclusively with the financial institutions. Despite this, the disputed information remains on my consumer file and continues to cause denial of banking services. 

Following XXXX XXXX response, I sent formal written demands to both Navy Federal Credit Union and XXXX XXXX XXXX XXXX  XXXX. requesting documentary substantiation pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). Copies of these demand letters are attached as exhibits. 

To date, the reporting remains in place without any documentary evidence provided to support the accuracy, completeness, or classification of the information furnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: KEYCORP
State: OR

Complaint narrative:
My Husband lost his job in XXXX was on unemployment we struggled to make the payments.when he got a new job, he needed to take time off for emergency XXXX XXXX. He wasnt working long enough for leave time. So we were extremely short. 
I Called the loss mitigation department at Keybank explained the situation. Applied for help was turned down. 
Applied again when the situation slightly improved. 
We are only missing XXXX XXXX  payment. 
They were able to help us with pushing the payments to the end of the loan. 
But Now my payments have gone up and they are unaffordable. They went from XXXX to XXXX. 
The reason they gave for the increase is because of escrow. 
I told them that was unaffordable and they offered no help. We need a more affordable mortgage payment. My pay hasnt gone up and my husband is making less at his new job.

Im tired of asking for help and getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was placed as an authorized user for a Wells Fargo credit card in XXXX  but was XXXX XXXX XXXX at the time and it is now affecting my credit. My parents did not add me onto any credit card as an authorized user and Wells Fargo was unable to remove

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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XXXX, XXXX, XXXX, XXXX and XXXX I was charged {$40.00} on THE DUE DATE even though if I tried to pay through the app on the due date ( the XXXX every month ) they would take the funds out of my bank account and then put them back in and say I was late. With NO NOTIFICATION they lowered my credit balance due to credit bureaus reasons or because they wanted to.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
So on XX/XX/year>. I tried to send my friend {$150.00} to his XXXX account using my bank app ( TD bank ) I clicked on one of the quick send bubbles without knowing that I clicked on the wrong person bubble. 

The moment it went through it showed me the name of the person I sent it too and I instantly called TD banks to talk about it. It was a lady who said I have to wait until tomorrow to dispute since the charge went through already. 

I contacted the person the money went too and he said he was negative in his TD Bank account about {$800.00} that same day. TD bank has a {$600.00} limit before it stops you from using more money after that initial overdraft on top of overdraft fees. 

So the recipient was unable to send back the {$150.00} I contacted TD Banks on XX/XX/year> to talk about the issue and file a dispute against it. I got sent to XXXX XXXX which didnt pick up after being on hold for more than 30 minutes while I was at work. After work I called TD again, they directed me to a XXXX XXXX who submitted a dispute for me and notified me that I will be reached out too regarding the {$150.00} after I told him all the information. 

I called today on XX/XX/XXXX to get an update about the {$150.00} and got told that I was denied with no valid reasoning. They only had the notes that I put in about incorrect account input. 

I asked if theres anyway I can get that {$150.00} back. And the tech said, No. So after that call, I came straight to find out how to get my money back and now Im here. 

More information : The Recipient recently stated that his account closed so even if he was able to get out the negative and send the money, hes completely unable to send that amount back. 

Also stated that I will be receiving a letter in the mail soon. So maybe I will find out the reasoning on that paper. 

If you need the claim number, I can send that to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
County taxes were not paid. Taxes are due XX/XX/year>. XXXX statement shows {$0.00} paid. Taxes were mailed by the county to the XXXX XXXX of SPS. So far not a single payment has been made for any of the 10 properties on the loan. Total amount due is {$4800.00}. There are penalties if paid after XX/XX/year>. 

If paid by XX/XX/year> total amount : {$4900.00} ( {$48.00} Penalty ) If paid by XX/XX/year> total amount : {$4900.00} ( {$97.00} Penalty )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XXXXXXXX XXXX email reply to me, they mentioned that they had requested their partner bank to initiate a recall request on XX/XX/year>, but have still not received any feedback to date, and are blaming Ally Bank. However, Ally Bank previously blamed XXXX. Isn't it ridiculous to put an ordinary user in such a difficult situation? It's been over a month since the recall request was initiated, and the money still hasn't arrived. What is Ally Bank trying to do? Are they trying to steal my money? My account has been in this state since XXXX, and I still haven't received my money. All of this is because of Ally Bank, this incredibly unreliable internet bank. All the problems stem from Ally Bank. XXXXXXXX XXXX  partner bank initiated the recall so long ago, what are you doing? Why the delay in processing? Are you trying to steal my money? Additionally, in my complaint on XX/XX/XXXX, I mentioned a remaining balance of over XXXX US dollars. This balance resulted from multiple transactions, and it's impossible to request a recall for this amount because it's impossible to determine which bank transaction generated this balance, and it's impossible to ask the bank to recall the remaining balance. It's simply not feasible. Ally Bank has not responded to this issue to this day. I demand that Ally Bank immediately return my money, otherwise I will file a small claims lawsuit. Seriously, this bank has caused me so much trouble. I've never seen such a terrible bank. I haven't received any convenient service ; instead, I've faced constant difficulties and extremely poor efficiency. Please return my money immediately. I have also forwarded XXXX XXXX email reply to you ; please see the attachment.

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 2026-01-28 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: Exto Inc.
State: FL

Complaint narrative:
I have been useing Atlas card for six months i believe, on XX/XX/XXXX nd there was 2 charges made to my account totaling XXXX dollars and XXXX cent. I initiated the dispute process, of which one charge of XXXX dollars was returned. But the XXXX charge, which was made minutes after the XXXX dollar charge was denied. I attempted disputing the XXXX charge several times, along with providing all the requsted supporting information that shows the purchase was not made by me, only to have it denied again. I have done everything asked of me in hopes of resolving this matter only to be ignored and ultimatly dismissed numerous times by Atlas.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with U.S. Bank customer service regarding my complaint about compounding overdraft fees. During that call, I was explicitly reassured that my account would not be closed while U.S. Bank completed a full review of approximately {$1000.00} in overdraft fees charged during XXXX. 

At the time of this assurance, the account balance was approximately {$20.00} overdrawn. I relied on this representation and took no further action to move funds or accounts, expecting the promised review to be completed. 

When I logged in subsequently, expecting the outcome of that review, I discovered that the account had been closed without notice or resolution of the overdraft fee dispute. 

Closing the account while an active overdraft fee dispute was under reviewafter explicitly assuring me it would remain opencaused additional harm and interfered with my ability to resolve the matter. 

I am requesting that the CFPB review not only the excessive overdraft fee practices, but also the account closure following reliance on bank assurances during an active dispute.

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 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX reported an alleged debt to multiple consumer reporting agencies, I have never known this company or had any dealings. I timely disputed the account with the CRAs, asserting inaccuracy, lack of contractual obligation, and lack of validation. Under the FDCPA. Despite the absence of proper verification, XXXX XXXX verified the account with the CRAs, causing continued reporting. 
I then sent direct validation and verification demands to XXXX XXXX pursuant to 15 USC 1692g ( b ) and 15 USC 1681s-2 ( b ), requesting proof of contractual obligations, complete itemization and accounting, proof of any assignment, proof of licensure. Proof of registered agent or agent of service. Any judgements if applicable. XXXX XXXX responded by stating the account is now closed, yet the account had already remained on my credit reports for multiple months, causing documented financial and personal damages. 
XXXX XXXX never provided lawful validation, never substantiated their reporting, and never corrected the inaccurate data until after harm occurred.

Statutory violations 15 usc 1692g ( b ) 1692e 1692f Fcra violations 15 usc 1681s-2b GLBA violations : improper handling of nonpublic personal information HIPAA violations Consumer financial protection act 12 usc 5531 Assetcare LLC engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) Document damages as a direct result of Assetcare LLCs unlawful reporting I experienced credit denials, i suffered financial injury, i endured emotional distress I sustained time, cost, and administrative burdens. I incurred reputational and credit standing harm. These damages are measurable, provable, and ongoing. 
Sent validation XX/XX/XXXX received contact back XX/XX/XXXX {$980.00} allegedly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
CREDITACPT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITACPT 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing about the rules for credit card fees and charges. 
I recently made a charge on a credit card from Capital One Bank during the month of XXXX. The item was quite expensive, almost {$1000.00}. The item was returned, however, and the vendor posted a refund to my credit card. The refund did not post until a couple of days after my credit card cyle, therefore, it posted on the following cycle. 
I am someone who pays their cc bills in full every month, therefore I never incur interest fees or rolling charges. 
In order to pay my charges for this cycle, which are due XXXX XXXX, Capital One is insisting that I pay the full charge, even though they have already received the refund. I called them, and they insist that I must pay it and have the refund reflected on my following month 's cycle. 
I am asking if this is allowed, particularly because I have other cc that do not do this. XXXX XXXX, for example, will credit you when they receive the credit from the vendor, and their website even reflects the amount owed minus the refund, regardless of when the cycle is, but rather based on when they receive it. 
SO I am asking if this is allowed? 

If it is, I very much object to this practice. In effect, it is giving me two choices, either pay this {$1000.00} now out of pocket and wait another month and more for a credit, or subtract it from the bill and be charged interest on the amount. This in effect costs me money either way. 
This seems very unfair to the consumer who no longer has the product. 
If you inform me that capital one bank is in their rights to do this, then I would like to make a consumer complaint about this practice. 
Thank you very much. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX -- XXXX

Company response to consumer: Closed with explanation