vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: CA

Complaint narrative:
CREDIT COLL is 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I was the victim of a criminal impersonation scheme in which fraudsters posed as Chase Bank 's fraud department, kept me on the phone for XXXX hour and XXXX minutes, initiating XXXX wire transfers totaling {$15000.00} from my XXXX checking account. XXXX transfer of {$6000.00} was sent to a recipient named XXXX XXXX ; the second transfer of {$9300.00} was sent to a recipient whose name I am confirming from my account statement At XXXX PM on XX/XX/XXXX, I received a text message from XXXX ( XXXX ) XXXX falsely identifying itself as Chase Bank, claiming a {$2000.00} XXXX payment had been attempted on my account. I replied " No '' as I had not authorized any such payment. XXXX minute later, at XXXX PM, I received a phone call from the same number. The caller falsely identified themselves as a Chase fraud department representative and kept me on the phone for XXXX hour and XXXX minutes. During that call, the criminal told me my account was being compromised and that I needed to cooperate with Chase to intercept and freeze fraudulent transactions. The caller knew my full name and account balance, making them appear completely legitimate. While keeping me on the phone the entire time, the criminal walked me through every single step of initiating wire transfers inside the Chase mobile app in real time. I had never sent a wire transfer before in my life. Under complete criminal instruction and control, and with no truthful information upon which any genuine decision could be made, XXXX wire transfers were executed from my account totaling {$15000.00}. I was told the money would be intercepted and returned to me. It was not. It went directly to the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to National Credit Systems. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that National Credit Systems currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to National Credit Systems. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding M & T Bank 's failure to honor a confirmed ACH stop payment and its improper denial of my dispute. On XX/XX/year>, M & T Bank confirmed in writing that a stop payment had been successfully placed on an ACH transaction. Despite this confirmation : An ACH debit was processed on XX/XX/year>. A second ACH debit was processed on XX/XX/year>. These transactions occurred after the stop payment was confirmed and should not have been processed. I submitted a formal dispute to the bank. Although the bank initially issued a provisional credit, it later denied my claim stating that the transaction was " authorized ''. This response does not address the actual issue. This is not an authorization dispute. This is a failure to honor a confirmed stop payment. The existence of prior authorization does not permit the bank to process a transaction after a valid stop payment has been placed and confirmed. M & T Bank 's response fails to explain : Why the confirmed stop payment was not honored How the transaction was allowed to process after the stop payment Why a second transaction occurred more than XXXX month later. Under Regulation E ( 12 CFR 1005.11 ) the bank is required to conduct a reasonable investigation. A determination based purely on " authorization '' without addressing the stop payment failure is not a reasonable investigation. Additionally, under NACHA Operating Rules, the bank is required to honor valid stop payment orders. M & T Bank has indicated it will reverse the provisional credit on XXXX, XXXX. They ignored stop payment confirmation They based the decision only on " authorization '' They are reversing funds despite error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/year>, I received an emailed offer from Capital One for an XXXX credit card. I signed up and purchased XXXX item at XXXX. In XXXX, I returned the item to XXXX and was told they could not refund the charge on my credit card because the card had been closed. Apparently, 5 years ago I had a bank account with Capital One for my ATM business and Capital One didn't like that but they still sent me the offer. I logged into my capital one account and the credit card was not listed. I called Capital One and they said I had to wait to get a statement and pay by mail. In XXXX, I received a statement and paid the bill. Then in XXXX, I received a bill with a {$29.00} late fee. I called Capital One and they said they received the payment late ( I mailed it ontime ). They said they'd waive the late fee. Then in XXXX I received another bill from Capital One with interest and XXXX fees. I called again and they waived XXXX fee and I mailed them a check for {$33.00}. Check # XXXX. That was on XX/XX/XXXX. This morning, I received an alert from XXXX, my bank that I had a credit card account that was over 30 days past due. I looked in XXXX and it said it was Capital One. On XX/XX/XXXX, I mailed Capital One a check for {$33.00}, which I was told would settle the account. I received no subsequent bills or correspondence from Capital One. I received no response to my complaint. But I called today and they said they got the mail from me with the payment stub but claimed there was no check in it. I had written explatives on the statement, so I don't know if that's why they didn't process the payment. But now they assessed me a {$40.00} fee and claim I owe them over {$70.00}. I have requested numerous times that they waive the {$40.00} fee and take payment from me for the balance but they just hang up on me. They won't escalate the call. They won't address my complaint. They just keep telling me I'm lying and hanging up. Someone needs to protect people from vultures like Capital One. I don't know why they didn't process my payment but I most certainly mailed it to them and they admitted they received the mail from me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX personal loan that was obtained through merchant-facilitated inducement tied to a company now subject to an FTC enforcement action. On XX/XX/year>, I was directed by XXXX to obtain financing through what they described as their funding. They sent me the application link and remained on the phone coaching me through the process. They sent me a text with the link to fill out. They referred to it as " our loan department '' and they said " when the underwriting is done, the money will be put in your account and we will bill it at that time. We just have to do it separate so we fulfill the funding requirements. '' They had different names for everything related to their customer experience so the loan was XXXX, the software was XXXX the support team was XXXX, the communication was XXXX. The language they used created the assumption that they had just named their different departments but it was all XXXX experience. After XXXX received {$15000.00} : The company failed to deliver promised services Provided written confirmation I would receive a full refund Later declared bankruptcy Ceased communication I have since learned that the FTC has filed a lawsuit against this company alleging deceptive practices, false promises, and failure to provide refunds to consumers. XXXX XXXX has declined my dispute solely on the basis that I applied for and received funds, without addressing the fraudulent inducement and failure of consideration tied to this loan. I have filed a dispute with XXXX directly and was told that it's " not their problem '' that I filled out the loan application, even if it was under fraudulent circumstances and under duress. They also told me that my loan payments would be paused until the dispute was resolved and that I would receive a call from a fraud investigator within 14 days. I had to make multiple calls to ask about my case because I hadn't received a call in over 23 days. When the person called from XXXX on XX/XX/XXXX, he did not discuss any investigation that was done, just simply told me my dispute was declined and that there was no point in talking to other management because they would say the same. And that they had already taken the next payment the day before - even though I was told no more payments would be taken until my dispute was resolved. The manager that called me today XX/XX/XXXX told me he hadn't heard of XXXX and that he hadn't done any investigation of the FTC ruling but he was maintaining the denial of my dispute and that they would continue taking money out of my account even though it is not resolved because they consider it to be resolved by saying so. This loan exists solely due to a merchant-facilitated scam that is now the subject of federal enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-03-24 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
We never recieved a 12 months XXXX XXXX that was purchased on XX/XX/year> for {$290.00}. We filed a complaint with the merchant and the credit card company ( Citi ) immediatly after learning we were defrauded ( same day ). We've continued after many months and correpsondences, phone calls, emails showing proof, etc. with the credit card company ( the merchant 's phone # is disconnected/no longer in service ), to no avail. The credit card company ( Citi ) has sided with the fraudster company, PogoPass, and has refused to refund us our money ( credit ), even though WE NEVER RECIEVED ANY OF THE PROMISED GOODS OR SERVICES ADVERTISED!

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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I am filing a formal complaint against Sequium Asset Solutions for failing to provide accurate debt validation and reporting inconsistent information. Sequium is currently reporting a debt of {$170.00} on my credit report, while my official XXXX account shows a balance of {$320.00}. Furthermore, Sequium has provided a Reference/Account Number in their email communications that is invalid and does not allow me to access or verify the account details on their own portal. Providing non-functional or incorrect identification info prevents me from exercising my rights to verify the debt and is a deceptive collection practice. On a call recorded on XX/XX/year>, an XXXX supervisor confirmed that {$150.00} of the {$320.00} balance is an equipment 'placeholder. ' This confirms that the {$170.00} reported by Sequium is factually inconsistent with the original creditor 's current records. I am requesting that Sequium immediately delete the collection entry from my credit report due to these multiple reporting inaccuracies and their failure to provide functional account identification as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I am a US citizen by birth. I was scammed online onXX/XX/XXXXfor about XX/XX/XXXXXX/XX/XXXX, sent fake passport, fake cedula, fake visa, fake baggage invoice and fake phone invoice from non existant stores. The final insult was a fake medical emergency which had a completely unrelated drug prescribed and was told she would go to jail if I don't pay it. She claimed to have bruises and attacked which takes weeks to heal. She miraculously healed once the money was received. She threatened to attack me and my mother if I don't send her money. She also said that she would punish me by opening fraudulent loans in my name from my information via XXXX and XXXX. I have been in touch with the XXXX XXXX fraud team member XXXX XXXX. I have contacted XXXX FBI and lodged a complaint with the FBI XXXX and also contacted XXXX XXXX XXXX team. I contacted the XXXX XXXX in XXXX, They instructed me to file " denuncias '' online regarding my unfortunate victimization of fake documents, scams and extortion. Please advise. Thanks. She claims to have family living in XXXX, XXXX. She may be travelling with a XX/XX/XXXXpassport issued on XXXX, name of " XXXX XXXX XXXX XXXX XXXX with an expiry XX/XX/XXXXXXXX, passport number XXXX with a birthday XX/XX/XXXXXXXX. Please exercise caution with this individual. Date Fidelity to XXXX Amount Name Sent to Email XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I used my Apple Pay on a day to day with my family and friends. On XX/XX/year> I received three transfers via Apple Pay totaling {$2200.00} from a former boyfriend and he disputed it and my account got restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXX ( a ), you must complete this reinvestigation within XX/XX/XXXXdays of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Purchased a watch online from XXXX XXXX when it arrived was too small contacted store for return and followed the instructions XXXX got invoiced for return but did not get money back. Tried XXXX times to dispute this because my credit card was not credited and got nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: DISCOVER BANK
State: NC

Complaint narrative:
This has been by far the worst furniture purchasing experience Ive ever had. I ordered a bedroom set ( paid over {$3000.00} ) in XX/XX/scrub> 2025, but the order arrived partially and with missing items. The pieces that did arrive had scratches and dents, and during delivery the delivery crew scratched my floors. Unfortunately, I noticed the damage only after they left ( and after I had tipped them ). What followed was months of frustration. After waiting over a month for replacements, the next shipment arrived damaged again and with the wrong item. Another long wait followed, and the order was still incomplete the nightstand was missing. Eventually the nightstand arrived completely damaged, so we sent it back. The company assured us a replacement would arrive within a couple of weeks, but after waiting another month nothing happened. At that point I opened a Discover credit card dispute, and only then did the company reach out saying they couldnt send the replacement unless I closed the dispute which suggests they hadnt even reordered the item yet after all that time. The worst part is the countless hours of emails and back-and-forth I had to spend dealing with this mess. It has been an incredible waste of time and energy. I closed the dispute XXXX weeks ago, but the company still has not issued a refund and the order remains unresolved after many months. This is my first escalation, and if the issue is not resolved soon I will pursue legal action. I strongly recommend avoiding this company unless you want to wait months, receive damaged furniture, and spend endless time chasing customer service. Order XX/XX/XXXXXXXX ( placed on XX/XX/year>2025 ) XXXX XXXX {$3000.00}. I called Discover today and they confirmed they are not able to assist with this case even though I presented them with evidence that shows I'm still missing that nightstand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I paid my line of XX/XX/year> now there trying to XXXX to rob me and say I still owe I even have the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I made the payoff agreed amount in XXXX on my XXXX Comenity bank card. The account was then closed. Then, years later, in XX/XX/XXXX, after XXXX communication, the company erroneously reported me as delinquent, trying to lie about the previous payoff and closure of my account. After speaking with them on the phone, they CONFIRMED the payoff back in XXXX, which they even have a recording of. But, they still are reporting me as delinquent and ruining my credit score. They are lying and engaging in criminal behavior to try and charge me for an account that was paid off and closed years ago.

Company response to consumer: Closed with explanation