vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FORD MOTOR CREDIT CO.
State: MA

Complaint narrative:
I made a Christmas purchase from ford accessories on XX/XX/year>. Item had to be returned it didnt fit car. I had fraud in XXXX and had to close my bank account and get issued another debit card. I alerted ford the original form of payment wasnt available for the refund to be put onto and requested a paper check. I had at least XXXX interactions and care numbers with firs about my calls and emails. The put refund it on the closed card and told me I didnt contact them on time. I ended up having to sit at the back and found that my bank bounced back the money to them and provided firs with that transaction id number. The next day they told me they didnt have the money and again theres nothing more they can do. Please help. This is ridiculous for a large corporation to be doing when I tried to tell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had multiple services enrolled and charged to my account without any authorization. This happened a few years ago, WF was suppose to issue checks to completed mitigation. I never received the checks. After almost XXXX months of back and forth with WF they admitted the checks were sent to a wrong address I have no association with. Now I have spent XXXX months trying to get the checks reissued by WF. Multiple calls -- -first told the checks were sent and should arrive in XXXX days -- never came. Then told the checks were " mistakenly '' not sent and would be reissued and resent again taking XXXX days. never arrived. 

I called again today, XX/XX/year>, and was told the checks were sent and if not received they would have to go through a process of cancelling the checks and resending. WF confirmed as of today the checks were not cashed. I feel they are playing games hoping I will go away in frustration. WF is not taking this seriously. 

The original ck numbers are # # XXXX {$250.00} # XXXX {$1100.00} # -- XXXX {$470.00} I only have the last 4 numbers of this check. 

Thank you 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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: LA

Complaint narrative:
I have federal student loans serviced by MOHELA. My loan was in deferment. I did not receive proper advance notice that the deferment was ending or that repayment was resuming. 

Without effective notice, MOHELA reported my account as four months delinquent to the credit bureaus. I did not intentionally miss payments and was unaware repayment had restarted.

I attempted multiple times to contact MOHELA by phone to dispute the delinquency and request clarification, but I was unable to reach a live representative due to repeated automated phone system loops.

I am disputing the accuracy of the reported delinquency, which resulted from a servicer communication failure, not borrower nonpayment after notice.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I bought a serve prepaid card to use. I tried to use it the same day but for some reason the card kept declining the next day I called and they said my card was closed because it was negative for more than 15 days even though I just bought the card a day before. I asked him why was my card negative and they told me because they charged their monthly fee even though I should have had {$20.00} in my balance, l. so when I asked shouldn't I have had {$20.00} in my account they told me that that transaction for the {$20.00} load was pending and that my money should be loaded within XXXX to XXXX hours. I called again today to see if they can unlock my card, but they let me know that they don't unlock any cards or issue refunds because I had a negative account balance, which was the amount of their monthly fee. I asked them what about my pending {$20.00} and they told me that they can't help me with that and that they don't issue refunds replacements or unlock accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
The date don't show but the amount {$360.00}, We sent a Validation Letter to the company and they still have not send anything about my request,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/year>. I was scammed into using a fictitious website. I immediately contacted Chase Credit Card upon realizing the issue. Chase Credit Card cancelled my existing card and gave me assurances that the transaction was flagged as fraud. 

XX/XX/year>. I attempted to verify via the Chase Credit Card portal that this charge was flagged as fraudulent and I would not be charged. It just shows as a pending charge. I called the Chase Credit Card fraud line. I was advised that there was no fraudulent flag on this transaction and they could not help me. After further discussion, they said they could flag it as fraud. I requested an email confirmation as I trusted the previous agent and now Chase is telling me the flag was not done two days ago. I asked to speak with a supervisor. I was bounced to the general number queue. I spoke with another agent who forwarded me to a supervisor. The supervisor stated that the transaction was flagged on XX/XX/year> but could not provide an email or paper trail. I asked if I was going to have to pay this fraudulent charge. They stated that the investigative team would need to determine this. 

I have XXXX faith that Chase Credit Card will reverse this scammer transaction. Chase Credit Card refuses to provide written confirmation of these calls or assurances that this fraud will be dismissed. I have not had this experience with other credit cards including XXXX XXXX. XXXX in particular does an excellent job in protecting its customers from disputed transactions and I would not be concerned if I contacted them in a similar situation about a disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Request for Deletion of Charge-Off FCRA Reinvestigation Required To Whom It May Concern, I am requesting a reinvestigation under the Fair Credit Reporting Act, 15 U.S.C. 1681i and 1681e ( b ), regarding the following charge-off account that is reporting inaccurate and unverifiable information : Creditor : [ Insert Creditor Name ] Partial Account Number : XXXX Status : Account Charged Off {$4800.00} Written Off Status Updated : XX/XX/XXXXXXXX  Past Due Amount : {$4800.00} Last Payment Date : XX/XX/XXXXXXXX  This charge-off is reporting with multiple inaccuracies and inconsistencies, including but not limited to : The Date of First Delinquency is not shown or verifiable, which violates FCRA reporting standards. 

The charge-off balance ( {$4800.00} ) and the past due amount ( {$4800.00} ) are identical, which is inconsistent with charge-off accounting requirements. 

The account is missing required fields such as original creditor, preventing proper verification under FCRA 1681e ( b ). 

The status Account closed at credit grantors request with a simultaneous charge-off and {$4800.00} past due shows internal contradictions in the reporting data. 

There is no documentation supporting how the charge-off amount was calculated after the last payment date of XX/XX/XXXX. 

Under FCRA 15 U.S.C. 1681e ( b ), the credit bureaus are required to report information that is accurate, complete, and fully verifiable. If the furnisher can not verify all dates, balances, status codes, and charge-off calculations, then this account must be removed from my credit file. 

I am requesting : Apple card/ gs bank usa A complete reinvestigation, Copies of all documentation used to verify this charge-off, and Deletion of the account if full verification can not be obtained within the legal timeframe. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
AWA collections is showing on my records with a balance of {$2600.00} and plan on staying on record until XXXX. I have not signed or anything with this company and believe it's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: OH

Complaint narrative:
I was told I had a {$200.00} limit for my pay later. I tried to make a purchase of {$130.00} and was denied on one of their websites they partner with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: NJ

Complaint narrative:
I have been unable to access my personal funds held in my Klarna balance for over 30 days. 

The balance ( approximately {$100.00} ) consists of my own funds, not promotional credit. When I attempted to transfer or withdraw the money, Klarna required U.S. government-issued identification ( Real ID ). I am a foreign customer and only have a valid XXXX  passport. 

I contacted Klarna support multiple times, requested escalation, and asked to speak with a supervisor. Klarna confirmed in writing that no manual fund release or alternative withdrawal method is available and that my funds can not be accessed without U.S. documents.

As a result, my personal funds are being held indefinitely with no viable resolution, despite repeated attempts to resolve the issue directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a debit card dispute involving a refusal by a merchant to honor a paid warranty. 

The debit card charge posted on XX/XX/XXXX in the amount of {$410.00}. The item was purchased as a XXXX gift, and I attempted to return it on XX/XX/XXXX, within five days of purchase and within the terms of the warranty that I paid for at the time of purchase.

The merchant refused to honor the warranty at the time of my return attempt. 

I filed a debit card dispute with Capital One on XX/XX/XXXX. I submitted proof of purchase and proof of the paid warranty as requested. At the direction of a Capital One representative, I initially submitted documentation via email. I later received an official request from Capital One to submit documentation by XX/XX/XXXX, and I resubmitted all evidence through the official channel on XX/XX/XXXX, well within the stated deadline. 

Despite complying with all requests and deadlines, Capital One has provided only vague, scripted responses regarding the status of my dispute. Representatives have refused to provide meaningful information about whether the merchant has responded, whether the merchant response window has closed, or what stage the dispute is currently in. 

Additionally, a Capital One representative incorrectly stated that provisional credit can only be issued once the investigation is closed, which contradicts the definition of provisional credit. I requested escalation to a supervisor and was told no escalation was available. 

Capital One has also eliminated secure messaging for my account, leaving me with no way to obtain written updates or create a paper trail regarding my dispute.

I am requesting proper escalation, transparency regarding the dispute review process, and a fair evaluation of the evidence I submitted regarding the merchants refusal to honor a paid warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: WV

Complaint narrative:
I have a payment plan setup with Lloyd & McDaniel with payment due on the XXXX of each month. Ive recently check my bank account which Im currently overdrawn now by a significant amount due to the double charge and overdraft fees. After looking into the past payments I was also double charged in XX/XX/2025. Ive been told that I setup up autopay which I dont even remember setting up and had no good reason for myself to include autopay. From what Im aware and my payment history before XXXX to XX/XX/2025 there no indication that I setup up autopay. Heres the dates of from just a month before XXXX to now. 

XX/XX/2025 - {$380.00} Double charge XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$380.00} This made my financial situation much worse XX/XX/XXXX - {$380.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$390.00} Double charge XX/XX/XXXX - {$380.00} XX/XX/XXXX - {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
I am an XXXX XXXX I am being contacted by a debt collection agency regarding an alleged rental debt of {$3200.00} related to a former apartment lease. I ( and XXXX XXXX, XXXX ) was a tenant at XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, shortly after renewing my lease, the leasing office informed me that I had to vacate the apartment without a clear written explanation. When we asked for clarification, management told us the notice was related to a pest issue that we had reported in good faith. We believe this action was retaliatory and improper, since maintaining habitable living conditions is the landlords responsibility. 

We complied with the notice and vacated the apartment by XX/XX/XXXX. We paid rent through XXXX, including a payment of {$1000.00} on XX/XX/XXXX. After we moved out, XXXX XXXX XXXX XXXXXXXX sent a demand letter claiming we owed {$11000.00} for the remainder of the lease term, stating they had not found another tenant. Our attorney disputed this charge and stated that under Indiana law, tenants should not be charged after being instructed to vacate, especially when habitability issues are involved. 

Despite this dispute, the account was later sent to a debt collection agency, Central Portfolio Control, which contacted me on XX/XX/XXXX and stated they are now attempting to collect {$3200.00}. So far, I have not received any written notice from the collection agency regarding this issue, only a phone call. I formally disputed this debt with the collection agency, and they stated they would return the dispute to the original creditor for review. 

When I checked the XXXX portal, I found that the {$3200.00} balance includes termination and damage charges that were already deducted from our security deposit, as well as a {$150.00} charge and a {$45.00} administrative fee listed as XXXX rent, even though we vacated on XX/XX/XXXX and did not live there in XXXX. We believe these charges are improper and appear to be duplicate or unjustified billing. 

Despite disputing the debt and requesting verification, the debt continues to be pursued. I believe the collection agency is attempting to collect an incorrect amount that I do not legally owe and is relying on charges that should not exist after my move-out date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Violation if FCRA - 15 U.S.C 1681b and Related Sections

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 2026-01-21 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: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am requesting a reinvestigation under the Fair Credit Reporting Act, 15 U.S.C. 1681i and 1681e(b), regarding the following account that is reporting inaccurate and unverifiable information:\n\nCreditor: Jefferson capital system\nPartial Account Number: XXXXStatus: Collection\nReported: XXXXThe account is being reported with multiple inaccuracies, including but not limited to:\n\nAn incorrect or unverifiable Date of First Delinquency (reported as XXXXA balance (XXXX , which is inconsistent with  accounting rules.\n\nMissing fields such as original creditor, which prevents proper verification.\n\nInternal inconsistencies between the account status, balance, and activity designator.\n\nUnder FCRA 15 U.S.C. 1681e(b), credit bureaus are required to maintain accurate and verifiable information. If JPMCB cannot fully verify all dates, balances, and status information, then this account must be corrected or deleted from my credit report.\n\nPlease conduct a full reinvestigation and provide me with copies of all documentation used to verify this account.\n\nThank you,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to the Chase Bank in Downtown XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) around XXXX XXXX. 

I used the ATM to deposit {$9000.00} ( all brand new XXXX bills ). When I first inserted the money in the machine, the entire pile was rejected. I tried the second time. This time only {$4600.00} was accepted. I did not take out the card, pressed the " deposit more '' button on the screen and inserted the rest of the money. Then the screen showed that the deposit didn't go through and returned my debit card along with the receipt. I went into the bank and talked with the teller. She didn't help me and only told me to call the number on the receipt. I called the number and filed the claim. The agent told me they will do an investigation and get back to me. I asked what if the number they give me after the investigation didn't match the amount that I deposited. He only repeated that they will get back to me. 

The term ID is XXXX and the sequence number is XXXX. The time on the receipt showed XX/XX/XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: TN

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to LVNV Funding LLC c/o Resurgent Capital Services . This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that LVNV Funding LLC c/o Resurgent Capital Services is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to LVNV Funding LLC c/o Resurgent Capital Services .

Company response to consumer: Closed with explanation