vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm writing regarding my Wells Fargo Active Cash credit card ending in XXXX and the information I've received about my promotional APR terms. On XX/XX/year>, I called the Wells Fargo Credit Card Support Line on the number on the back of my card : XXXX. I spoke with a representative named XXXX, who spent a significant amount of time reviewing my account. He consulted with his supervisor and the back-office team before ultimately confirming that my promotion was a lifetime 0 % APR on the account. I specifically asked for clarification several times since it's a very rare to have such a promotion. After the back office reviewed the account, XXXX confirmed that the lifetime 0 % APR was correct and stated that he added notes to my account reflecting that. I also asked whether I needed to make payments beyond the minimum payment to avoid interest charges, and he confirmed that only the required minimum payments were required. On XX/XX/year>, an interest charge of {$140.00} posted to the account. I immediately called customer service on the same number, and was connected to a representative named XXXX. He told me that the information I had received was incorrect and that the promotion was actually limited to a year.However, he also acknowledged that he could see the notes on my account documenting the lifetime 0 % APR information that had been provided to me. XXXX advised that the matter would need to be reviewed by the XXXX XXXX and I would receive a call back. Since then, I have not received any follow-up.

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 2026-06-08 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: MS

Complaint narrative:
National Credit Systems , Inc. ( NCS ) is reporting a collection account of {$2500.00} to consumer reporting agencies on behalf of Oak Manor Apartments. I formally disputed this debt and requested validation via certified mail on XX/XX/year>. The letter was returned due to an incorrect address listed on NCSs own website. I resent the letter via certified mail on XX/XX/year>. NCS received and signed for the letter on XX/XX/year>. XXXX responded on XX/XX/year> via email directing me to log into their portal. I was not expecting an email and did not receive this communication in a timely manner. No written response was mailed as is standard practice for debt collectors. After reviewing their response, I sent a formal Notice of Defective Validation and Method of Verification demand via certified mail on XX/XX/year>. XXXX responded on XX/XX/year> but again failed to provide proper validation. In both responses, NCS provided only a billing statement generated by XXXX XXXX XXXX. They failed to provide : a signed lease agreement bearing my signature, proof of a legally binding obligation between me and the original creditor, documentation establishing their authority to collect, the date of first delinquency, or a method of verification identifying who verified the account, what documents were reviewed, and what procedures were used. This violates the following federal laws : FDCPA 15 U.S.C. 1692g Failure to properly validate the debt. A billing summary is not validation. NCS never produced a signed agreement establishing my legal obligation to pay. FDCPA 15 U.S.C. 1692e False or misleading representations. NCS certified to Equifax and Experian that this debt is accurate despite being unable to produce documentation supporting that claim. FDCPA 15 U.S.C. 1692f Unfair practices. NCS continued reporting this unvalidated debt to consumer reporting agencies while my dispute was active. FCRA 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation upon receiving my dispute. NCS relied solely on information provided by the original creditor without independently verifying its accuracy or completeness. FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification. I formally requested the name, address, and phone number of the party who verified the account, the specific documents reviewed, and the procedures used. NCS never responded to this request. As a direct result of NCSs failure to validate this debt and their continued reporting of it, I have been unable to complete my mortgage pre-approval. I have been actively working toward homeownership and this unvalidated collection account is the sole obstacle preventing me from moving forward. I am requesting that NCS immediately delete this account from all consumer reporting agencies and provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: HI

Complaint narrative:
I financed orthodontic treatment through XXXX XXXX XXXX ( XXXX ) for services provided by XXXX. I paid a substantial portion of the account before XXXX ceased operations and shut down its business. The treatment was intended to include continued monitoring, refinements or re-alignments when necessary, and support if aligners or retainers did not fit properly. After XXXX ceased operations, those follow-up treatment services and support options were no longer available. As a result, I was unable to complete treatment or receive the full benefit of the services contemplated under the agreement. I made payments on the account for an extended period and paid more than half of the financed amount before discontinuing payments. I stopped making payments only after I was no longer able to obtain the treatment-related services and support that were part of the overall treatment process. According to the financing agreement, the total amount due under the contract was approximately {$2300.00}. I paid approximately {$1500.00} toward that obligation before discontinuing payments, representing more than half of the total amount financed. I did not stop paying at the outset of treatment. Rather, I made substantial payments and only ceased payments after XXXX 's closure left me without the ongoing monitoring, refinement, adjustment, and support services contemplated by the treatment agreement. My contract contains FTC Holder Rule language stating that any holder of the consumer credit contract is subject to all claims and defenses that the debtor could assert against the seller. Based on the incomplete performance of the contracted services, I disputed the remaining balance directly with XXXX XXXX XXXX on XX/XX/year>, and requested a review of the account. XXXX provided copies of the contract and account information but has not provided a substantive written response addressing my dispute regarding incomplete services or my Holder Rule claim. Despite this unresolved dispute, the account continues to be reported to consumer reporting agencies and remains subject to collection activity. To date, XXXX has not explained how the remaining balance was calculated in light of XXXX 's inability to provide ongoing treatment monitoring, refinements, adjustments, and support following its closure. I am requesting documentation showing how XXXX determined that the full remaining balance remains owed despite the interruption of services. AP Article of shutdown - XXXX XXXX XXXXXXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern : I am writing pursuant to the Fair Credit Reporting Act ( " FCRA '' ), including 15 U.S.C. 1681i and 1681e ( b ), to formally dispute the accuracy, completeness, and verifiability of the accounts listed below that currently appear on my consumer credit report. The following accounts are disputed : JPMCB CARD Account No. XXXX I dispute these accounts and requests

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Loan with Ally was paid off XX/XX/year>. I received title with a letter on XX/XX/year>. My car payments were auto deducted bi weekly for {$140.00} each. On XX/XX/year> and on XX/XX/year> I had a full payment on each of these days come out for the {$140.00}. On XX/XX/year> I called Ally and spoke to customer service who told me a refund check would be mailed and I should receive the 1st week of XXXX. As of XX/XX/year>, I had not received this refund check so I called and spoke to a customer service rep ( XXXX ) who said the check had not even been processed yet but then also said to wait 30 days. He said the refund amount was {$270.00}. I started to ask why did I get the title already and it still takes longer to get the refund check and that is when hung up on me. I have already tried 2 times to inquire about my refund check and I am getting different information each time I call. Also I ended up having another auto pay deduct on XX/XX/year> for {$140.00}. I decided to deal with my bank ( XXXX ) directly and stop payment which cost {$31.00} and they are in the process of dealing with this refund only. ( I expect to hear back from them within 10 business days. I am filing this complaint to get resolution for my refund that is owed to me.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
LGM Co Inc is reporting a fraudulent auto loan of {$13000.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft. '' Fair Resolution Box

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: OH

Complaint narrative:
VW Credit is reporting a fraudulent auto loan of {$30000.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Self Financial Inc.
State: OH

Complaint narrative:
Self Financial Lead Bank is reporting a fraudulent credit card account of {$23.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. I did not open authorize or benefit from this account in any way. This account is not valid and stems entirely from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am filing this formal complaint against Citizens Bank regarding a private student loan refinance contract that is inextricably tied to a fraudulent educational product. I am requesting an institutional discharge and immediate administrative forbearance while this matter is investigated. In XXXX, I refinanced my older federal student loanswhich were serviced by XXXX and originated in XXXX to attend XXXX XXXX a private consumer loan with Citizens Bank. My federal dashboard at StudentAid.gov currently reflects a {$0.00} balance because Citizens Bank paid off the federal note during this refinancing transaction. On XX/XX/XXXX, the U.S. Department of Education announced a comprehensive federal group discharge for students who attended XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. Federal investigations conclusively proved that XXXXXXXX XXXX engaged in widespread consumer fraud, systemic misrepresentation, and predatory recruitment during my exact period of enrollment. Had these loans remained in the federal system, 100 % of the balance would have been automatically cancelled due to institutional fraud. Because this private refinancing loan directly originates from a fraudulent education product, I am asserting my consumer rights under the FTC Holder Rule ( 16 C.F.R. 433 ) and recent CFPB supervisory guidance regarding private student loan misconduct claims. Under these protections, a consumer maintains the legal right to assert school misconduct and fraud as a defense against the repayment of a debt to the holder of the note. Citizens Bank is currently holding me liable for a debt that lacks underlying legal validity. I request that the CFPB compel Citizens Bank to evaluate this claim under their internal school misconduct and fraud policies, place the account into administrative forbearance, and discharge the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TN

Complaint narrative:
I applied for and was approved for {$85000.00} at 9.46 %. Attached is the approval. XXXX XXXX phones me today from BHG and states I was approved for {$73000.00} for 10 years at 19 %. Its bait and switch. They have done this three times in a row. They need to be investigated. It is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
A representative from Regional Finance called my mother on and spent 15 to 25 min verbally abusing her. He repeatedly told her to XXXX XXXX called her a " broke XXXX XXXXXXXX '' and " broke XXXX, '' and said she never pays and doesn't do anything. My mother is XXXX XXXX XXXX, lives alone, and has been making payments on this loan for years. I already complained to the company but got no proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
The debt collector is reporting a medical collection that is invalid. The hospital bill in question was fully paid by XXXX retroactively. I notified the collector and provided documentation showing XXXX covered the charges. Despite this, the collector continues to report the account. The account is also too old to be reported under credit reporting rules. I am requesting that this inaccurate collection be removed from my credit reports and that the collector stop all attempts to collect a debt that XXXX already paid. The collection agency is Cornerstone in XXXX AK for a medical bill from AK ambulance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CA

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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Acorns Grow Incorporated
State: TX

Complaint narrative:
I am a XXXX member of Acorns for over two years with an active account. I maintain recurring investments, Round-Ups, and regularly engage with the platform. Over time I have referred more than 150 users to Acorns, with over 100 being active users who continue to invest through the platform. Acorns operates a referral program that previously offered meaningful campaigns such as 2 referrals for {$350.00}, 3 for {$650.00}, 4 for {$900.00}, and 5 for {$1200.00}. For the past six consecutive weeks, my account has been limited to only a {$5.00} referral offer with no explanation. In addition, my referral dashboard has been completely removed from my account, further limiting my ability to track or participate in the referral program. This removal was done without any notice or explanation. I contacted Acorns customer support and was assigned case # XXXX. After multiple follow-ups including escalation to supervisors, I was told that referral campaigns are system generated and controlled by the Marketing team. Customer support explicitly stated they have no ability to reach or contact the Marketing team on my behalf and can not do anything to resolve my concern. No resolution or explanation has been provided despite six weeks of follow-up. I am seeking clarity on whether my account has been permanently restricted from premium referral campaigns, whether the removal of my referral dashboard was intentional, whether these actions were applied in error, and what steps I can take to restore my eligibility. The company has been unresponsive and evasive despite repeated attempts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a billing dispute under the Fair Credit Billing Act regarding an uncorrected double-charge on my Chase credit card for approximately {$30.00}. I made a single purchase at XXXX and paid for the balance using both cash and my credit card. The receipt provided by the merchant explicitly shows both the cash payment and the credit transaction for the exact same items, proving a double payment occurred. When I opened a dispute with Chase, the representative closed it in the merchant 's favor, stating that the receipt showed a credit charge, completely ignoring the fact that the same receipt proves a cash payment for the identical transaction. The representative refused to investigate the double-charge and hung up on me. Chase is in violation of the FCBA by failing to properly investigate a clear mathematical billing error. I request that Chase reopen this dispute and credit my account for the unauthorized credit card charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
IC systems collection Agency submitted a collection of XXXX dollars on my XXXX credit report for telecommunications from a provider called XXXX XXXX I spoke with a representative told her that the collection is not mine. she has a file with a California address. I dont live in California XXXX I live in XXXX Arizona. Have been living in XXXX since XXXX. The debt collection was assigned to Ic systems in XX/XX/XXXX. That couldnt have been me, nor am I associated with the addresses they have on file. I called the telecommunications company they dnt have me on file either, Because thats not my debt! nor does my name show any type of business history with them.

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