vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: MI

Complaint narrative:
This account has been on my credit report I never signed up I file disputes but they wont remove or verify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
In XX/XX/year>, I entered into a lease termination agreement with my apartment complex that required payment of a lease buyout fee to terminate my lease early. On XX/XX/year>, I was charged a lease termination/buyout fee of {$4700.00}, which I paid in full. I officially vacated the apartment on XX/XX/year>. 

After the payment was made, I was told by the property management assistant that I was fully paid, all set, and that no further balance was owed. The understanding and agreement were that payment of the buyout fee fully terminated my lease and ended all future rent obligations. 

Despite this, the company later charged me XX/XX/year> rent in the amount of {$2300.00}, even though : I was no longer living in the unit after XX/XX/year> My lease had been terminated via the paid buyout The apartment was re-rented to a new tenant for XX/XX/year>, meaning the unit was occupied by someone else Monthly I was charged a Pet fee when I do not have a pet I have a service dog which was documented and paperwork was given signed by my doctor. They never fixed this nor gave me a refund. 

Months later, I received notice of a collection account for this XXXX rent, which was never part of the lease termination agreement and should not have been charged. Charging me rent for XXXX after accepting a full lease buyout and re-renting the unit constitutes double billing and improper debt collection. 

I am disputing the validity of this debt because it is inaccurate, was not agreed to, and arose after my lease was legally terminated and paid in full. I am requesting that this charge be removed, the collection account withdrawn, and my record corrected.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I purchased two proprietary trading challenges from a company called XXXX XXXX for {$1400.00} on XX/XX/year>, and an additional challenge for {$480.00} on XX/XX/year>. 

After a few months, XXXX XXXX began engaging in conduct that appears unfair and deceptive. This included reopening positions that had already been closed, applying excessive and inconsistent spreads, and removing stop-loss orders without authorization. I contacted the merchant multiple times to address these issues, but they stated they could not resolve them. Additionally, my account credentials stopped working on several occasions without explanation, preventing access to the service I paid for. 

As a result of these practices, it became effectively impossible to complete the purchased challenges. The merchant does not compensate customers who experience these issues. XXXX XXXX also attempted to incentivize customers to post positive or misleading reviews in response to negative feedback on XXXX. 

I filed a dispute with Chime regarding these transactions. The dispute was denied ; however, Chime did not provide a clear or substantive explanation for the denial. Despite contacting Chime for clarification, representatives were unable to explain the basis for denying my dispute or identify what documentation or criteria were relied upon. 

I am filing this complaint because Chime failed to adequately investigate the dispute or provide a reasoned explanation for its decision, leaving me without recourse for charges related to services that were not provided as represented. 

The issues with the merchant were not immediately apparent, which is why this complaint is being filed several months after the transactions occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am currently being denied access to my own funds by Capital One. The bank has placed a hold on my money and is requiring me to upload identification documents to their portal to verify my identity. 

However, their upload system is fundamentally broken. I have attempted the upload multiple times using both an XXXX and a desktop computer, across different high-speed internet connections. In every single instance, the upload stalls at roughly 30 % and ultimately fails. 

I have contacted Capital One to explain that their server-side technical failure is preventing me from complying with their request. Despite this, they refuse to provide an alternative method for verification or release my funds. They are effectively " debanking '' me due to a glitch in their own software. This is a denial of access to my liquid assets, causing significant financial distress. I am seeking the immediate release of my funds or a manual verification process that does not rely on their failing digital portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act.

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law.

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IN

Complaint narrative:
I open a bank account with u.s bank and they had a promotion going for {$250.00} if you get a direct deposit of XXXX. {$350.00} for XXXX {$450.00} for XXXX or more deposit. I met all criteria positive bank balance and total over XXXX deposited. As of XXXX XXXX  I did not get my bonus for opening the account and meeting the requirements it said I had a negative balance of XXXX XXXX  but I didnt I had {$1500.00} in my account and over drafts fees coming out of nowhere besides making purchases and transferring funds my account was positive at the end of XXXX XXXX. I called customer service and they kept trying to tell me it was nothing they could do and I asked several questions pertaining to the promotion and how they could fix it or do it for me because thats not right. I was instructed several times it was nothing they could do and did I need help with anything else. If I would have known I would have got cheated out my bonus I wouldnt have open an account with them or all these overdraft fees like were are they coming from.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/year> ] JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear JEFFERSON CAPITAL SYSTEMS LLC I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt.

2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. 
If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. 
Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under th HT e law. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Summary of Issue : Regional Acceptance Corporation misrepresented my payments, issued false returned check notices, reported inaccurate payment dates, harassed me with excessive calls, and then refused to participate in arbitration after I invoked it under the contract. 

Details : On XX/XX/XXXX, I made a {$410.00} XXXX XXXX payment. RACs receipt shows PAYMENT OK. 

On XX/XX/XXXX, RAC mailed me a letter falsely claiming this payment was a returned check. 

RAC reported a false last payment date of XX/XX/XXXX. 

RAC reversed payments they never attempted to withdraw. 

RAC called me XXXX times after the false letter and XXXX more times prior to XXXX closing the case. 

I invoked arbitration as required by the contract. 

XXXX opened XXXX XXXX. XXXX and requested RACs fees. 

RAC refused to pay. 

On XX/XX/XXXX, XXXX declined to administer the case under Rule XXXX ( b ). 

RAC continued contacting me by phone and email even after XXXX closed the case.

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 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: AL

Complaint narrative:
I did not receive any paperwork about possible garnishment until AFTER the judgement was made. My paperwork for the garnishment judgement is dated XX/XX/XXXX but was not served to me until XX/XX/XXXX and that is the only paperwork I received. The company has a XX/XX/XXXX date, so the dates are not correct or have been changed. I have paid on this account ( {$380.00} ) each month for XXXX months through XXXX XXXX XXXX, whom gave me legal representation for the debt. Because of the cost savings, I moved my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, gave them all the information and they reached out XXXX, XXXX and XXXX, the collection agency/attorneys to settle the debt. They got no response before I got the garnishment judgement less than 30 days later ( after XXXX missed payment in the process ) without any further paperwork or warning that this would happen. 
I reached out to XXXX, XXXX and XXXX myself and asked for the information I am entitled to under the Fair Debt Collection Practices Act and they refused to give me any information, either by phone, email or mail. I tried to log on to my account that they set up with my social and zip code, but it is blocked ( by them ) because I have the garnishment judgement. I can not see or receive ANYTHING from them according to the collection agent ( XXXX ). I can not and have not been able to verify that the debt is correct and/or is mine. They are refusing to give me any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: NJ

Complaint narrative:
A collection agency is reporting an account on my XXXX  credit report with a materially inaccurate balance and incorrect creditor information. 

I believe the original balance owed was approximately {$1100.00}. The collection agency is reporting a balance of {$2300.00} without providing documentation or itemization explaining how this amount was calculated. 

Additionally, the collection agency is incorrectly listing itself as the original creditor, which is inaccurate and misleading. The agency did not originate this debt and has not provided proof that it is the original creditor or has legal authority to add interest or fees. 

I have disputed this account due to inaccurate balance and creditor identity. The information being reported is not verifiable and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act.

I am requesting that this inaccurate tradeline be removed from my credit report or that the company provide full validation, including the original contract and an itemized breakdown of the balance.

At this time, no documentation has been provided to justify the inflated balance or the incorrect creditor designation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Fay Servicing, due to lack of transparency, poor communication, and what I believe to be an improper handling of my loss mitigation request. 

On XX/XX/XXXX, I applied for a Loan Modification ( MOD ) with Fay Servicing in good faith, seeking a long-term and sustainable solution to bring my loan current. At that time, I was already experiencing financial hardship and was actively working with my authorized representative to resolve the delinquency. 

On XX/XX/XXXX, I was informed that instead of a loan modification, I had been approved only for a Temporary Repayment Plan beginning in XXXX, XXXX, XXXX, and XXXX, with monthly payments of {$4800.00}. My loan has been delinquent since XX/XX/XXXX, with a total past-due amount of {$12000.00}. 

This repayment plan is not affordable or sustainable. It more than triples my normal monthly mortgage payment, which was {$1300.00}. I simply do not have the financial capacity to make payments at this level, which defeats the purpose of loss mitigation assistance. 

When we asked why a Loan Modification was denied, Fay Servicing stated that I had exceeded the maximum number of loan modifications allowed by the investor. This explanation is deeply concerning because I have only had one prior loan modification, which was approved in XX/XX/XXXX. 

Since receiving this explanation, my representative and I have repeatedly requested a full history of any prior loan modifications, including approval dates, to understand how this determination was made. Despite multiple emails and phone calls, Fay Servicing has failed to provide this information. 

Additionally, I have made several attempts to contact my assigned Point of Contact, XXXX XXXX, by phone and email. Unfortunately, my calls have not been returned, and my emails have gone unanswered. The lack of communication has left me without clarity, guidance, or a fair opportunity to resolve my situation. 

Due to Fay Servicings failure to respond, failure to provide requested documentation, and refusal to properly evaluate me for a reasonable and affordable loan modification, I have been forced to submit this complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I opened an Associated Bank personal checking account responding to a promotional offer on https : //www.associatedbank.comXXXX 

The promotion terms were to open a personal account, receive at least one direct deposit of {$500.00} or more, and maintain {$10000.00} in the account for 90 days for a {$600.00} bonus. 

I have satisfied the terms. Associated Bank does not dispute that I satisfied the terms. Associated Bank refuses to honor this promotion offer due to their faulty IT systems, as they communicated : " When looking into the checking, I did put in a request to look and see why the account bonus was not paid. When our back office looked into the account, it appears that the business account earned a bonus also. With both of the accounts having a promotion, only one was able to be applied at a time, so the business with the higher bonus was applied. I do apologize for the inconvenience. '' Considering these are unrelated promotions for different accounts, I request that Associated Bank honor the original promotional terms for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm writing to file a complaint regarding Wells Fargo Bank, representatives from which enabled thieves to steal money from my checking account using my debit card. Within minutes of a false transaction, while withdrawn funds were still pending in my checking account, I contacted Wells Fargo to alert them to the an active scam happening with my debit card. Unfortunately, I was the victim of debit card fraud. Wells Fargo did nothing and enabled the thieves to steal just over {$1000.00} in three separate transactions in a period of seconds.

I appealed Wells Fargo 's initial decision and they told me it was my responsibility since I approved the transactions. Giving the timing and speed with which this happened -- I immediately put a stop on my card and called the bank within minutes of discovering that I was a victim of a predatory scheme and the money was transaction was still pending -- I believe that Wells Fargo is simply choosing to shirk any responsibility they have to making sure that thieves do not steal their customers money. Banks need to be liable for helping to protect the integrity of their customers ' accounts. In this case, Wells Fargo simply shrugged off an active scame that I alerted them to while it was happening.

In fact, in one of my phone calls with the escalated claims department at Wells Fargo, a representative told me they were aware that one of the transactions in dispute was from a fraudulent source that has previously been implicated in criminal complaints. This is outrageous to me -- they are acknowledging they enabled a criminal to take my money and are washing their hands of any responsibility.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Someone sent me a XXXX  transfer for {$790.00} ( before fees ) on XXXX and somehow it got duplicated an additional 4 times. Going into my bank 5 times. I immediately notified my bank and they transferred 4 of the transactions back to XXXX. So I thought we were all good until the next month XXXX when they tried to transfer me the money again and XXXX  kept XXXX of my money stating they never received all 4 of the transfers back to them. I checked with my bank and got documentation from them showing where they got 4 transactions for XXXX transferred back to them on XXXX. Date of first transaction was XXXX. Transferred back to XXXX  XXXX. Second transaction date was XXXX when XXXX  unexpectedly kept my money. I have called XXXX  several times, filed several disputes without any resolution. This certainly is not the fault of the consumer. I feel like I have gotten all of the information I can. I cant get anymore. This should be between XXXX  and XXXX  XXXX XXXX. The consumer should be protected from this. Now I am without my money because I didnt get it from XXXX  nor XXXX because they transferred it back to XXXX XXXX XXXX  should have never allowed 5 duplicate transactions to occur in the first place. 
XXXX  name XXXX Amount owed me {$770.00} I would greatly appreciate any assistance in solving this before my next step of small claims court

Company response to consumer: Closed with monetary relief