vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NCP Holdings, L.P.
State: CA

Complaint narrative:
I obtained an installment loan in XX/XX/XXXX through XXXX XXXX XXXXXXXX, which is serviced on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have made payments on this account and have already repaid the original principal amount of {$2600.00}. In early XXXX, I experienced a temporary financial hardship and was unable to make the full scheduled payment due XX/XX/XXXX. I made a payment of {$25.00} on XX/XX/XXXX, followed by additional partial payments in XX/XX/XXXX ( {$32.00} and {$50.00} ), in an effort to continue paying toward the account in good faith. Despite making payments, the account was reported as 30 days late in XX/XX/XXXX. When I contacted the servicer, I was informed that my payment was considered incomplete and did not count toward the required installment. However, at the time, there was no clearly defined minimum payment amount disclosed to me that would satisfy the installment or prevent negative credit reporting. After requesting clarification, I was later informed that the required minimum payment to reduce delinquency is {$230.00}. This information was not clearly communicated prior to the negative credit reporting. Additionally, the servicer states that partial payments are accepted, but those payments do not reduce delinquency or prevent negative reporting unless they equal a full installment. This creates a confusing and potentially misleading situation where borrowers are encouraged to make payments, but those payments do not actually prevent harm to their credit unless they meet an undisclosed threshold. As a result, I am now significantly past due ( over 60 days ) despite making ongoing payments in good faith, and my credit has been negatively impacted. I have attempted to resolve this directly with the servicer and have also reached out to the originating bank to request hardship assistance, but have not received a meaningful solution. I am requesting : XXXX. A review of the credit reporting for XX/XX/XXXX and subsequent reporting, given the lack of clear disclosure regarding the minimum payment required to avoid delinquency. XXXX. Clarification of the payment application process and whether partial payments are being applied in a manner consistent with consumer protection standards. XXXX. Consideration of a hardship payment arrangement that allows me to make reasonable payments while preventing further negative credit reporting. I am willing to continue making payments and resolve this account, but I need clear, consistent information and fair treatment in how payments are applied and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XXXX and XX/XX/year>, I discovered that Messerli & Kramer P.A., a debt collection law firm, had taken money from my bank account without notifying me of any court proceedings. I had no knowledge of a judgment being entered against me until after the funds were withdrawn. I was never officially served by a sheriff, process server, or any authorized person. I am unemployed and the parent of two young children. The bank levy caused significant financial hardship and impacted my ability to pay for basic living expenses. When I called Messerli & Kramer to ask about the situation, their representatives were rude and dismissive. They told me the debt was owed and that the only options were to pay the full amount or accept their payment plan. I offered a small settlement of {$60.00}, which they declined. I then filed a Motion to Vacate Judgment with XXXX XXXX XXXX XXXX, requesting that the judgment be removed because I was never properly served and was not given an opportunity to respond. I believe that Messerli & Kramer acted improperly by obtaining and enforcing judgments without proper notice, which is causing me financial and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am filing a complaint against PayPal , Inc. ( XXXX ) and its issuing partner, The XXXX XXXX XXXX, for deceptive practices regarding their " Spend {$20.00}, Get {$20.00} '' Stash Bonus promotion. As shown in my attached master evidence file, I received a promotional offer to spend {$20.00} on my XXXX XXXX XXXX to receive a {$20.00} reward ( XXXX XXXX ). I participated in good faith, authorizing a single {$20.00} transaction via XXXX XXXX on XX/XX/year>. I have a finalized merchant receipt confirming the {$20.00} total authorization ( XXXX XXXX ). XXXX denied the promotional payout by engaging in XXXX distinct deceptive practices ( XXXX ) : Omission of Material Terms : XXXX completely failed to disclose that merchant-initiated " split-settlements '' ( such as a delivery app hard-coding a tip to process separately ) will disqualify an otherwise valid {$20.00} merchant authorization. XXXXXXXX XXXX system forcefully split my transaction without my consent ( Page XXXX ), and XXXX is using this hidden merchant integration flaw as a loophole to deny the reward. XXXX XXXXXXXX and False Support Claims : XXXX 's own app deceptively mislabeled my XXXX network swipe as a " XXXX balance '' payment ( see XXXX XXXX of the attachment ). On XX/XX/year>, XXXX customer support used this internal mislabeling to falsely claim my purchase was ineligible. Using hidden conditions and broken internal XXXX labels to prevent consumers from redeeming promised rewards is a direct violation of CFPB XXXX XXXX. I fulfilled my obligation as a reasonable consumer by authorizing {$20.00} on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Complain again TD bank regarding fraud via XXXX. I am filling this complaint regarding a fraud incident involving my account with TD bank and a transactions made through zelle. In XX/XX/year>, I sent approximately {$2.00} XXXX via XXXX to an individual who presented a business opportunity. This individual misrepresented the service and failed to deliver any of the promised results. It has now been over a year, and I have not received any returns, profit or refunds. It is clear that I was a victim of a scams. I reported this situacion to XXXX TD Bank on two separate occasions, and both claim were denied without i believe to be a proper investigation. The transaction may have been authorized by me., but they were made under false pretenses. Which constitutes FRAUD. I feel that I have not been adequately protected as a costumer and an seeking assistance and resolving this matter.. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo send me a letter they will be closing my personal account. There is no reason given. The account is in good standing, no overdrafts.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/year>, a check in the amount of {$18000.00} was issued to my business, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Government as payment for services rendered. I never received this check. It was subsequently intercepted and fraudulently endorsed and/or negotiated by an unknown third party without my authorization. The check was processed through Bank of America. I did not sign, endorse, deposit, or receive any portion of these funds. Upon discovering the issue, I reported the fraud and have made repeated efforts over the past several years to resolve the matter with both Bank of America and the issuing entity. XXXX XXXX Government provided authorization for me to obtain an Affidavit of Forgery ; however, Bank of America refused to provide or process this request. I have requested documentation from Bank of America, including : A copy of the check ( front and back ) Endorsement details Information on where the check was deposited Records of any fraud investigation A written explanation for the denial of the Affidavit of Forgery Bank of America has failed to provide this information and has not resolved the issue. As a result, I have been deprived of {$18000.00} since 2021, and the matter remains unresolved despite ongoing efforts. I am requesting that Bank of America : 1. Provide all requested documentation 2. Conduct and disclose a proper fraud investigation XXXX. Reimburse the funds associated with this fraudulent transaction

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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint regarding Experians continued reporting of an account from IQ Data International that is inaccurate and not properly verified. I disputed this account and Experian responded that it was verified and would remain on my credit file. Following this, I submitted two separate Method of Verification requests via certified mail pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting specific details regarding how the account was verified, including the parties contacted, the method used, and the documents reviewed. XXXX failed to provide any of the required information and instead issued generic responses stating the account would remain continued. This does not meet the requirements of the Fair Credit Reporting Act. Additionally, the documentation provided by the collection agency is inconsistent, incomplete, and inaccurate. The lease agreement provided contains an incorrect and incomplete consumer name that does not accurately reflect my full legal identity. This raises serious concerns regarding whether this account has been properly attributed to me. Furthermore, the documentation consists primarily of a resident ledger and a lease agreement that is incomplete. No amended lease or fully validated contractual documentation was provided to establish a legally binding obligation. A resident ledger is not sufficient to establish legal liability for a debt, and the documents provided fail to demonstrate that I am the legally responsible party for the alleged balance. XXXX reliance on this inaccurate and insufficient information demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681i and 1681e ( b ). Because this account is not supported by accurate, complete, and verifiable documentation, it is not capable of proper verification and must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
My state income tax return from Virginia was the deposited into my account according to Virginia on the XXXX of XXXX. I contacted chime and they said that they did not receive it. I went back in contact with Virginia income state and they verified the routing number and the account number that the money was deposited to. The routing and account number was correct so the problem lies with chime. Chime wants a deposit trace number in order for them to investigate it but Virginia state tax will not give me that until they have bank statements from 5 days prior to the XXXX and 5 days after the XXXX. I have access to the statement for 5 days prior but not 5 days after because it goes into XXXX and I can't get marches statements until XXXX is over. They don't post the bank statements for the month until that month is over with. {$760.00} is what was deposited on the XXXX and chime is saying it was never deposited. It seems like they both want me to jump through hoops to get money that is owed to me. I don't feel like I should have to do the work when I'm not the one that made the whatever mistake was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I booked a flight using Chase XXXX ( Trip ID XXXX ). Chase XXXX failed to issue my ticket, causing me to be stranded overnight in XXXX and incur additional expenses. Chase acknowledged fault in writing and agreed to reimburse me {$770.00}. However, after more than 6 months, I have not received the refund. Chase claims to have sent checks twice but refuses to provide tracking information. The checks were never received. They continue to delay by offering to resend checks instead of providing a secure and verifiable refund method such as direct deposit or crediting my account. This constitutes an unreasonable delay and failure to honor a confirmed reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I made two transactions ( {$630.00} and {$110.00} ) through the American Express rewards offer by accessing XXXX via the official link ( XXXX/amex )XXXX After entering through the link, I was directed to the XXXX app, where I clearly saw a banner stating Welcome American Express Card Members along with a Lets go button. I clicked XXXX XXXX and proceeded to complete both transactions within the app. However, when I contacted customer service, I was told that although I initially entered through the Amex link, the tracking link may have been dropped because I was browsing within the app before completing the purchases. As a result, I was denied the rewards associated with the offer. I find this explanation misleading and unreasonable. The terms and conditions of the offer did not clearly disclose that simply browsing within the app could cause the tracking link to drop and invalidate the rewards. I followed all stated requirements by entering through the designated link and completing the transactions accordingly. Based on this, I believe I met the conditions for the rewards, and denying them due to undisclosed technical tracking behavior is unfair and misleading. I am requesting that the rewards associated with these transactions be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRING OAKS CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: GA

Complaint narrative:
I ask cash app corporations to deactivate my account I couldn't verify my identity do to the fact that I have no access to my number to Cash app or email XXXX is my new number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX address I use as well my mother XXXX XXXX is my landlord and over my XXXX check I can not verify my identity do to having no access to information I ask for trouble ticket he wouldn't do to I couldn't identify myself XXXX XXXX XXXX XXXX I need to deactivate my cash app account so I can verify myself to receive a new account and card with my updated information I have that's with my XXXX account I need to gain access to my Cash app so I can claim my taxes on my Cash app like I done for my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: CA

Complaint narrative:
On XXXX, my XXXX account was charged with {$73.00} dollars, i purchase I never did. When I contacted XXXX, they recognized the wrong charged and reimbursed my money. Months later they charged it again, I never continued the case. Now thats is the ammount they are trying to collect with a debt collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against CBE Group for violations of the Fair Debt Collection Practices Act ( FDCPA ) and for intentional obstruction of my legal right to dispute a debt. Obstruction of Communication : I attempted to email my formal dispute and XXXX exhibits of legal proof to CBE Groups provided email. However, their server ( XXXX XXXX ) blocked my communication multiple times. This technical barrier prevents me from providing proof and is a bad-faith tactic. Prior Dispute and Illegal Transfer : This debt ( {$900.00} from XXXX XXXX, Reference XXXX ) was formally disputed via fax with the previous agency, XXXX XXXX, on XX/XX/year>. XXXX failed to validate the debt and instead allowed the account to be transferred to CBE Group in XXXX without resolution. Billing Error : The hospital record lists XXXX XXXX XXXX as the provider. I was NEVER treated by him. My actual treating physician was XXXX XXXX XXXX ( XXXX ). I have already paid XXXX in full for her services. Therefore, the current balance of {$900.00} is legally and mathematically incorrect. I have attached XXXX Exhibits ( XX/XX/XXXX) proving my identity, my prior dispute, the correct doctors records, and my proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc. has reported an alleged collection account on my credit report. However, I never received any prior written notice of this debt, nor was I provided with the required validation notice within XXXX ( XXXX ) days of their initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX ( a ). Because I was not properly notified, I was deprived of my legal right to dispute and request validation of the alleged debt before it was reported to the credit bureaus. Reporting a debt without first providing proper notice is a serious violation of federal law and undermines the accuracy and fairness of my credit report. Additionally, I formally requested validation of this alleged debt. To date, National Credit Systems , Inc. has failed to provide sufficient documentation to establish : A complete chain of title showing legal ownership of the alleged debt A copy of any original agreement bearing my signature Documentation proving I am legally obligated to pay this debt Evidence that they have the authority to collect on this account Despite this, the account continues to be reported, which constitutes the reporting of unverified and potentially inaccurate information. Violations : Failure to provide required validation notice ( FDCPA XXXX ( a ) ) Failure to properly validate the debt upon request Reporting unverified information to consumer reporting agencies ( FCRA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Hello, I am writing to dispute a late payment that appears on my account. This account has already been paid in full, and I believe the late payment reporting is incorrect. I kindly request a review and correction of this matter. Please verify your records and update my credit report to reflect that the account is current and paid as agreed. If needed, I can provide proof of payment for your review. Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief