vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX All Debt Collectors Re : XXXX XXXX XXXX Dear Debt Collector or " To Whom It May Concern '', I am writing to you in response to your contact regarding any type of debt you are attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), I am requesting that you immediately cease and desist all communications with me regarding this, or any other, debt. This demand includes, but is not limited to, telephone calls, letters, emails, and any other form of contact at my home or workplace. Please be advised that if you fail to honor this request, I will file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I may pursue legal action against you for violations of the FDCPA. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
I filed a Regulation E dispute with the bank on XX/XX/year> regarding recurring charges for a service I had cancelled. The banks own dispute form lists XX/XX/XXXX as the Date of XXXX XXXX. This started the Regulation E investigation timeline. Only three days later, on XX/XX/XXXX, the bank issued a Final Determination denying my dispute. A XXXX investigation is not compliant with Regulation E requirements for a reasonable investigation, review of evidence, or proper handling of an error claim. On XX/XX/XXXX, while my dispute was still active and before the Regulation E deadline, I received a collections letter from the bank. This occurred inside the 10businessday investigation window and before the bank corrected their own mistake. Sending a consumer to collections during an unresolved Regulation E dispute is a direct violation of federal law. On XX/XX/XXXX, the bank admitted in writing that they filed my dispute incorrectly. They stated that the teller coded it as fraud/unauthorized when it should have been nonfraud/services cancelled, and that this caused the investigation to be done incorrectly. Despite this admission, the bank did not correct the downstream harm. On the same day, the bank refunded the disputed amounts ( {$340.00} to the chargedoff account and {$180.00} via cashiers check ). However, they did not reverse the chargeoff, remove the collections activity, correct the credit reporting, restore the account, or issue a corrected determination letter. They refunded the money but left all the damage in place. The Regulation E deadline was XX/XX/XXXX. By that date, the bank was required to complete a proper investigation or issue provisional credit. They did neither. They also failed to restore my account to the balance it would have had if the error had not occurred, as required by Regulation E. As a result of the banks actions, I suffered a wrongful chargeoff, improper collections activity, credit damage, denial of access to funds, and financial and emotional stress. The banks errors and procedural violations directly caused these harms. I am requesting that the CFPB require the bank to reverse the chargeoff, remove all negative credit reporting and collection activity, correct internal records, restore my account, issue a corrected determination letter, and provide compensation for the multiple Regulation E violations and resulting harm.

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 2026-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a Chase XXXX XXXX of nearly XXXX years. I disputed a charge from XXXX XXXX XXXX for a prescription medication refill that I did not authorize and could not medically take. Chase required that I return the medication to proceed with the dispute. I attempted to do so, but the merchant refused in writing to accept a return or provide shipping instructions. Despite providing Chase with the merchants written refusal, the dispute was marked settled. I escalated the matter to the Chase XXXX XXXX, but after more than XXXX days I have received only automated responses insisting on phone contact, despite my repeated written requests and inability to resolve the issue by phone. I am requesting that Chase reconsider this disputed charge in light of the merchants refusal to accept the return and Chases failure to resolve the dispute through reasonable written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX merged with Capital One and they calculate minimum payment dues differently now. My Minimum due payment is {$300.00} higher now. I asked them if they can work something out to lower my monthly payments, but all they offered me is a program to assist with late fees, which I dont have. I have always paid my XXXX bills on time. XXXX payment was {$510.00} and now XXXX is {$800.00}. I spoke with multiple staff including a supervisor named XXXX and they not offered assistance. I spent a hour on the phone with them looking for assistance and was just transferred back and forth between departments telling me that they can not help but the other department can. I am extremely frustrated because ultimately I was not provided any assistance. I explained that I am trying to be proactive and avoid future late fees since I can not afford these higher payments, but they just continue to offer only waiving late fees ( which do not exist ). This seems extremely unfair because it seems like XXXX being set up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I made a payment of {$8400.00} to my mohela account to pay off my loans. I got a payment confirmation but when I log in to mohela, my payment was nowhere to be found. I called them a couple weeks later and they suggested to wait and try a smaller payment again. I submitted another payment on XX/XX/year> for {$330.00} and again the same thing happened. My payment was nowhere to be found. Second issue, XXXX of my loans had negative balance and I requested them to reapply to other loans. I called them back to get status on both issues and they put in XXXX cases for me. Fast forward to XXXX and I called to get a status, they had no response. The agent told me to give a few more days, my account was put on forbearance but I continued accruing interest even after my payments which mohela could not find. I called again in XXXX and asked for an escalation. XXXX escalations were put in, I was asked to wait till XXXX and promised that my interest would revert back to the date of payment. This was again a false promise. Neither did my negative balances amounting to close to {$1100.00} were reapplied. I called in XXXX and they said no escalation was put in so a new supervisor put another escalation. Again no response for XXXX days ( their time to get back on escalations is XXXX business days ). I called in late XXXX, same response. I called again in XXXX and another supervisor had no idea and said she will put in another escalation. Its been XXXX months and both of my issues have been unresolved. I keep accruing interest that I should not owe. I am attaching a screenshot of the phone calls I made to mohela. I have spent hours and hours on this. Also attaching my payment confirmations that they can not find. I really need some help understanding what I should do. I also tried the feedback form on studentaid first to raise my complaint there but their page does not work either. I am left with no options.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
I continue to receive harassing text messages and e-mails after the payment of a {$1700.00} accrued interest on XXXX months no interest loan which I still believe was fraudulently requested by the company. Shortly after I paid what they were requesting and no more than XXXX minutes later I was texted yet again, telling me that my bill was overdue. I checked their loan app and my bank account and saw that the money had been deducted from my bank and the XXXX app showed " processing ''. It was at that point that called them back and insisted upon an e-mail from a representative indicating that I was paid in full before hanging up. Many more text messages and e-mails followed but I figured I would just give it time. Here we are almost XXXX days later, and I receive a courier delivered letter. Again, telling me that my account is past due. This company has proven to me that they lack integrity and they can not be trusted. I feel again that I need to make note of their actions somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I accidentally transferred my tip card XXXX Money Network XXXX I wanted XXXX get that money transferred back XXXX a personal account because it was a large sum amount of money needed for rent XXXX bills but I had XXXX get out through the bot support, I never got any money back XXXX I just so happen XXXX notice that they dont verify actual routing account numbers XXXX the number account number as well. I just need help. I never knew I put the wrong number because they never verified any of the numbers put XXXX when I tested if you can put any random number it just works XXXX gets put in the system for any transfer XXXX I called support multiple times for this XXXX was told there was nothing they could do.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a CITI bank Best Buy card account ending in XXXX that was unknowingly auto renewed and fees were applied and accrued. Immediately upon discovery of this account and fees, the account was closed and paid. Best Buy prorated and paid the remaining balance of {$120.00} DIRECTLY TO CITI BANK. ( please see attached letter from Best Buy Credit Services ) This exact amount was then * duplicately * added by CITI BANK in error to my account ending in XXXX. After exhaustive efforts to rectify this by calling and opening disputes with CITI Bank, this error remains uncorrected. At one point I was forced to make an in person visit to Best Buy and a call was made to Citi Bank with a Best Buy managerXXXX from CITI Bank acknowledged this error and stated he would have to refer this matter to a client partner specialist in order to attain resolution. To this day I continue to receive ongoing accruing late fees and interest on this original amount that was already paid in full. I am requesting that you please correct this error, close the account, and reach out to the bureaus rectifying the negative reports that have now tremendously, negatively affected my credit. Thank you. Sincerely, Concerned Customer

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received multiple emails from Ally Bank regarding a savings/checking account I had just opened up. I called Ally to let them know that I did not open the account and requested the information that was used to do it. The individual had my name, home address, an old phone number from over XXXX years ago, and my email. I verified my information with Ally and they closed the account and will give me a full update once everything is settled.

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 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is regarding a XXXX XXXX XXXX from Citi Bank. My account was in good standing at the time it was breached in XX/XX/XXXX, and only had a balance of about {$27.00}, I reported the breach immediately. The perpetrators made fraudulent payments from two banks unknown to me. ; these payments were returned. I received a new card which now had a credit on the account for auto payments that had been taken from my bank during the period the account was breached. On XX/XX/XXXX I received a letter that my account is being closed because of two or more returned payments in the last 6 months. I have never had a returned payment. I tried mulitple time to call and talk to them to resolve the issue. All I got was transferred to some other department or to a number that I was unable to talk to a live person at all. I believe I am being unfairly treated for Citi Banks inadequate security and the breach of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX transactions of XXXX was sent from my Cash App balance without my authorization. I did not initiate, approve, or intend to send this payment. I promptly reported the transaction to Cash App and filed a dispute. My initial dispute and subsequent appeal were both denied without a detailed explanation of how the transaction was verified as authorized. I was not provided documentation showing device authentication, login verification, IP address confirmation, or any evidence demonstrating that I approved this transfer. Because this was an unauthorized electronic transfer from my account, I am requesting a full investigation under the Electronic Fund Transfer Act ( Regulation E ) and written documentation explaining the basis for denial. I am requesting reimbursement of the {$2000.00} and regulatory review of Cash Apps investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate reporting and failure to validate an account that appears on my consumer credit report. I formally requested validation of this alleged debt from the furnisher/collector and have not received any response providing the required documentation. Specifically, I requested a complete validation of the debt, including : A copy of the original signed agreement A full payment history An itemized breakdown of the balance Documentation demonstrating that I am legally obligated for the debt Verification of the account terms and conditions To date, no such documentation has been provided. Additionally, the account is not reporting with correct terms. The payment history, status, and/or account details reflected on my credit report are inaccurate and misleading. Most importantly, this account has been paid in full, yet it continues to report in a manner that does not accurately reflect its true status. Reporting inaccurate account terms and failing to provide validation after a written request raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). Furnishers have a legal obligation to report accurate information and to investigate disputes in good faith. Continued reporting of incorrect information, particularly on a paid account, is damaging to my creditworthiness and financial reputation.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Both XXXX XXXX XXXX and XXXX XXXX XXXX have faced federal enforcement actions by the CFPB and lawsuits for violations of FCRA and FDCPA, including failing to verify debts before reporting and furnishing false data. Reporting from these entities requires strict verification or deletion. XXXX is obligated under FCRA 611 to reinvestigate within 30 days, and under 607 ( b ) to ensure maximum accuracy. Continued reporting of unverifiable data is a violation of 616 and 617. The companies cant verify the debt because they bought the debt illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
In XX/XX/XXXX, I entered into a written payment agreement with Jefferson Capital Systems LLC agreeing to pay a total of {$1500.00}. I made payments on time each month in accordance with that agreement. Despite this active written agreement and my compliance with it, Jefferson Capital proceeded with garnishment actions. They intercepted my state income tax refund in the amount of {$1700.00}, even though I had already paid {$580.00} toward the agreed balance. After taking the tax refund, the total amount collected exceeded what was owed under the agreement. However, Jefferson Capital initially attempted to reimburse me only approximately {$330.00}, which did not reflect the overpayment. After months of attempting to resolve the issue, I resent them a copy of the written payment agreement in XX/XX/XXXX to demonstrate that garnishment should not have occurred while the agreement was active and being honored. After reviewing the agreement, they acknowledged that a larger reimbursement was owed, approximately {$830.00}. Since then, Jefferson Capital has repeatedly stated that reimbursement checks were mailed, but they sent them to an incorrect address in XXXX, XXXX, which is not my address. I have never received any of these checks. Each time I contact them, I am told to wait 4872 hours while they figure out what to do, and the checks are repeatedly canceled and reissued without resolution. I have been attempting to resolve this matter for several months. Despite written notice and a formal demand for payment via direct deposit, I have not received the {$830.00} reimbursement owed to me. Additionally, I dispute the garnishment itself, as it occurred while a valid written payment agreement was in place and I was not in default. I am requesting immediate reimbursement of {$830.00} via direct deposit and review of the improper garnishment actions taken despite the active agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: FL

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 ) XXXX, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
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 ) XXXX, 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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I am a victim of identity theft involving multiple financial institutions and telecommunications companies. I did not authorize the accounts, transactions, or services associated with XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, or XXXX. Unauthorized ATM withdrawals and electronic transactions occurred on my XXXX account, including a withdrawal that was not dispensed. Despite responding to a fraud alert, a transaction was still processed. After disputing the fraud, XXXX closed my account without notice or explanation. Fraudulent credit card accounts and telecom services were also opened or used without my consent, resulting in balances, credit damage, and financial hardship. I believe my personal information was compromised. I request full investigation, removal of fraudulent activity, credit correction, and written confirmation of resolution.

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