vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor.

2. The original account number and any reference number you use.

3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits.

4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to. 
XXXX. Complete chain-of-title documentation showing how this debt was transferred or assigned to your agency. 

Please * * cease all collection activity and communication * * with me until you have provided the requested verification of this debt. I also request that you * * do not report this alleged debt to any credit reporting agencies * * unless and until validation is complete. 

This letter is not an acknowledgement of liability for this alleged debt. 

Sincerely, XXXX XXXX The amount is for {$15.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank from XXXX credit card department reported a negative report to against my personal credit recently. It is not fair. I have never signed the personal guarantee of business credit card debt. I have already contacted with them many times and requested the agreement of personal guarantee. XXXX  months was gone, I only received a letter from chase card service last week. however, it did not mention any thing regarding personal guarantee, and it did not show my signature on it. Please see the attachment. Therefore, the negative report from credit card department of chase bank should not against my personal credit. This negative report should be removed from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX I saw that the balance on my Capital One had been completely paid by someone with a XXXX XXXX XXXX account. I called Capital one and let them know of the transaction and that I didn't have an account at XXXX XXXX XXXX. They told me to wait 3 days to see if the charge went through which it didn't so the money went back into my account. They then restricted my card asking me to provide them with a statement from XXXX  XXXX XXXX. Again, I told them that I didn't have an account with them. This has gone on for months. Finally about a month ago someone in the Fraud & Dispute Dept. at Capital One told me to file a police report and the restriction might come off. This was at least XXXX - XXXX weeks ago. I called them last week and no one had looked at the Police report. So I called again today XXXX and spoke with the fraud & dispute department. Again, I was told that it was under review. I asked to speak to someone who works in the review department and I was told that they don't take any calls. I am frustrated as this is affecting my credit score....... They also in XXXX allowed me to go over my limit for a family emergency ( XXXX close family members passed away in XXXX  ) I thought they were going to raise my limit which they have Never done and they didn't count that as lifting my limit but as an overage. So I am now getting charged for over the limit fees as well. Capital One has done nothing but keep me on the hook for something that I didn't do. They are telling me that I gave my numbers to someone which is not true. Please help me. I am XXXX and on Social Security and this is the only card that I have. I've asked them to give me a new card which they wouldn't do and I got hit with XXXX new charges on XXXX XXXX and XXXX XXXX. I want a new card, and all the extra charges taken off. I will begin to make regular payments when this is resolved. Thank you for anything that you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX $ taking out my account reported to XXXX XXXXXXXX i won they rembursed Now there parent company is hiting.my credit for loan i never recieved XXXX, XXXX, kickoff

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: INTERNAL CREDIT SYSTEMS, INC
State: WA

Complaint narrative:
Product : Debt Collection Issue : Harassment / Abusive conduct / Refusal to provide validation / Improper communication Company : Internal Credit Systems Individual involved : XXXX XXXX Method of contact : Phone and Email Complaint narrative : I am submitting this complaint regarding the conduct of a representative of Internal Credit Systems, identified as XXXX XXXX. 

My initial interactions with XXXX XXXX occurred by phone. During these calls, XXXX XXXX was verbally aggressive, raised his voice, spoke to me in a disrespectful manner, and repeatedly hung up on me while I was attempting to understand the nature of the alleged debt. When I advised him that I could not hear clearly and requested that he explain the matter calmly, his behavior escalated rather than improved. 

Due to this conduct, I requested that all further communication occur in writing only. Despite this lawful request, XXXX XXXX continued to engage in hostile and unprofessional behavior via email. In a written response, he stated that if my feelings were hurt, too bad, dismissed my correspondence as cut and paste, and stated that the company would no longer respond to my emails instead of providing factual validation of the alleged debt. 

Throughout this process, I have remained calm, factual, and professional. XXXX XXXX has not. His communications, both verbal and written, appear emotionally driven and retaliatory rather than compliant. His attempts at intimidation and scare tactics were ineffective and inappropriate. 

I requested basic validation of the alleged debt, including documentation supporting the obligation and Internal Credit Systems authority to collect. These requests were not substantively addressed. Instead, I was met with yelling on the phone, repeated call terminations, and dismissive written responses. 

I believe this conduct constitutes harassment and improper debt collection practices, including abusive phone behavior, refusal to honor lawful communication requests, and failure to engage in professional, factual correspondence. All communications have been preserved. 

I am requesting that Internal Credit Systems be required to cease improper communication, address this matter professionally, and ensure compliance with applicable debt collection laws. 

The complete email chain has been preserved and is available upon request should further documentation be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account 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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
I leased a vehicle in XX/XX/2025 and enrolled in ACH auto-pay at account setup. In XX/XX/2025, an ACH auto-pay attempt failed. I was never notified of the failed payment by email, phone, or timely mail, and I was not provided any opportunity to address the issue before negative credit reporting occurred. 

On XX/XX/2025, I first learned of the issue through third-party credit monitoring alerts indicating that I had been reported XXXX  days late. This was the first notice of any kind. I immediately logged into my account and paid the balance in full the same day. 

I contacted the companys customer service department on XX/XX/2025. During that call, the representative confirmed that Stellantis Financial Services does not notify customers when an ACH auto-pay transaction fails and acknowledged that no communications are sent for this type of error. The representative reversed all late fees associated with the incident and opened a case regarding my experience, acknowledging the issue. 

The only written notice sent regarding the missed payment was a letter dated XX/XX/2025, which did not arrive until XX/XX/2025 after the late mark had already been reported and after I had already paid the balance. 

I submitted a formal dispute requesting removal of the XXXX late mark based on the lack of notification, lack of opportunity to cure, and my immediate payment once informed. The company responded that the reporting was accurate as reported and added a dispute indicator, but did not address the absence of any notification process or the customer service acknowledgment that no communications are sent for failed auto-pay transactions. I then submitted a follow-up request for a courtesy/compliance review and additional follow-ups to confirm receipt and request status. I did not receive any response. 

My concern is the fairness of reporting a XXXX delinquency when the company has no notification process for failed auto-pay transactions, provided no communication prior to reporting, and acknowledged the issue by reversing all associated late fees. Once I became aware of the issue, I paid immediately. This credit reporting resulted solely from the companys lack of communication and process, not from unwillingness or inability to pay.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
Your lack of thorough investigation and protecting consumers will result in me deleting your app and never ever ever using it again. You are a business driven by profit built on the shoulders of hard working people who reward thieves. This girl obviously scammed me, I gave you her profile name, you can see the transactions, and the fact that I am out XXXX bucks just goes to show where the companies priorities are. Rewarding thieves is who your company protects. 

I want a full refund of XXXX dollars which was not authorized based on the information I was provided. It was a scam. Your company assisted them in their scam and I hold you fully responsible for the refund. I contacted my bank and cash app representatives on the day I discovered my missing funds, which affects my car payment and rent. My next step will be to hire legal defense in an effort to have my XXXX dollars refunded in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ACH transfer XX/XX/XXXX, {$2000.00} lost from XXXX XXXX XXXX  to Capital one 360. I found it in. They tried to look it up. They said I didnt give him enough trace numbers on the bottom left part is a trace. There are 15 digits on the left, but on the right They left out the zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase understood I was scammed XXXX dollars and they refunded for me and it appeared on credit card after they were viewing lots of my pictures evidence but Chase didn't agree to refund XXXX dollars fees opening account but I opened Chase account from instruction of scammer and it was deceptive. 
I really need chase to refund XXXX dollars fees, which I paid all earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Bridge IT, Inc.
State: TX

Complaint narrative:
XXXX ' XXXX Brigit Advance Offer Timing " I am a Brigit XXXXPlus ' subscriber paying a monthly fee for the express purpose of accessing 'instant ' cash advances. As of XX/XX/XXXX, Brigit is withholding my access to these funds despite my bank showing that my {$180.00} repayment has 'Posted ' and cleared ( XX/XX/XXXX ). 
Furthermore, Brigit required a {$0.00} micro-deposit to 'verify ' my bank account. This deposit has cleared and settled in my bank. However, Brigit 's application is currently using 'dark patterns'specifically an artificial 'Processing ' holdto hide the verification screen and prevent me from accessing the advance I am paying for. 
When I escalated this to a manager ( XXXX ), I was told it takes ' 5 business days ' to verify, which directly contradicts Brigit 's marketing of 'instant ' access. This refusal to provide a paid service, combined with the creation of artificial hurdles to prevent access to funds, appears to be a direct violation of the FTC 's XXXX Final Order against Bridge It , Inc. regarding deceptive promises and junk fees. I am currently homebound without transportation and this withholding of funds from my family in a food crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, a Wells Fargo ATM failed to dispense {$1800.00}, but my account was debited for the full amount. I immediately reported the issue to Wells Fargo. 

Wells Fargo has refused to issue provisional credit and stated that I must wait 10 business days for the ATM reconciliation, and that the investigation could take up to 90 days.

I provided screenshots of the ATM error message showing the date, time, and location, and I escalated the matter to a supervisor, but no resolution or temporary credit was provided. 
This situation has caused significant financial hardship, as essential bills totaling {$1800.00} were due on XX/XX/XXXX. 

I am requesting immediate provisional credit or an expedited resolution in accordance with Regulation E for an ATM cash-not-received 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 explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : 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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I deposited a {$3000.00} cashiers check into my Huntington account ( account has been open over 1 year ). The check was an XXXX XXXX XXXXefund being returned to me. Huntington informed me the check cleared on XX/XX/year>, but the bank closed my account and is withholding my funds. I no longer have online access due to the account closure. Huntington has not provided a valid reason for holding the funds and is demanding I provide a notarized letter from the issuer stating the funds are cleared, even though the cashiers check has already cleared/been collected per what the bank told me. I have requested release of my balance and a written explanation, but the bank continues to refuse disbursement. 

I currently do now have any image or information on the check since the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I requested my SoFi account be closed on XX/XX/XXXX and XXXX The account has a balance of XXXX dollars and no disputes or pending transactions. 

I have repeatedly explained that I need access to these funds urgently, yet the account has not been closed and no timeline has been provided for releasing the balance, one person tells me we can close it in 2 seconds and one person tells me we will close it and send you a confirmation in your email immediately but it just keeps dragging If the account can not be closed immediately, I am requesting immediate release of the full balance and written confirmation of the release date and method. 

Please escalate this to a supervisor, my rent is almost due and I have been dealing with this issue for awhile now, please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/year> a person claiming to be my daughter fooled me into making XXXX payments for my daughter to ( XXXX ) XXXX XXXX XXXX in amount of {$1000.00}. My bank is XXXX XXXX XXXX XXXX to Chase Bank. The Payment ID # XXXX. I have screen shots of all communications with this criminal that tricked me into sending money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
In XXXX of XXXX, I noticed a fraudulent account on my XXXX  credit report. I filed a police report and contacted the company. LJ Ross associates but nothing has been done to resolve the debt collection of {$520.00} appearing on my credit report. I did not give anyone permission to use my social security number to open an account for consumer energy nor have I ever resided in the State of Michigan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief