vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX my business bank account at navy federal credit union was hacked. I immediately called the bank after receiving a text and email that my password was reset. They told me that a certain someone called in attempting to set the passcode. I told them that person has no authority and that it was a fraud hacking security breach. Since then I have requested an incident report several times including a formal request. They have refused. I have a special code word that they should ask every time they speak to me. they failed to ask for the special code when the hacker called in. They have failed to ask me this at least 7 times in the past, as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK
State: CO

Complaint narrative:
I wrote a check to contractor working for me and the bank refused to cash the check for the contractor stating that because he has an out-of-state ID they don't have to cash it. They will only accept out of state driver 's license or in-state driver 's license to cash check. They told me that I should take the money out in cash or sign the check back over to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America offset {$650.00} from my personal account to apply toward a XXXX XXXX credit card balance. I am medically XXXX and currently have no income while awaiting SSDI approval. I previously received California state XXXX benefits and am experiencing significant financial hardship. The funds in the account were cash deposited from Social Security income received by my partner, which was intended for basic living expenses including food. I contacted Bank of America multiple times on XX/XX/year> and again on XX/XX/year>, spending nearly three hours on the phone requesting a hardship review and a written explanation of the offset authority. My request for a written denial was refused. During one call, a bank officer made a dismissive remark referencing the current administration we have to treat everyone equally when explaining why the offset would not be reversed.

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 2026-03-05 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: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Product : Credit card Company : American Express Issue : Billing dispute credit not processed / refund not credited Complaint narrative : I am submitting this complaint regarding American Expresss refusal to credit a refund that was properly issued and documented by the merchant. On XX/XX/year>, a charge in the amount of {$29000.00} was posted to my American Express credit card. The merchant later confirmed and processed a full refund for this transaction. I have written confirmation and documentation from the merchant showing that the refund was issued, including the refund amount, date, and reference to the original transaction. I submitted this refund documentation to American Express and filed a dispute under credit not processed. Despite providing clear and complete evidence that the merchant issued the refund, American Express denied my dispute and refused to credit the refunded amount back to my account. American Express did not provide a clear or valid explanation for the denial, and the decision appears inconsistent with fair billing practices and American Expresss own dispute resolution standards. As a result, I am being held responsible for a charge that the merchant has already acknowledged and refunded. This situation results in unjust enrichment, as the merchant has processed the refund while American Express continues to treat the charge as owed. I have attempted to resolve this matter directly with American Express through customer service and dispute escalation, but the issue remains unresolved. Resolution requested : Immediate credit of XXXX plus all the late fees to my American Express account Correction of my account balance and dispute record Written explanation for why valid refund documentation was previously rejected I am requesting CFPB assistance to ensure American Express properly reviews the submitted documentation and applies the refund in accordance with fair billing and consumer protection standards. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
They keep telling me that i have a loan out and that didn't ask for that loan. They keep calling me and harassing me everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Our ATM card was fraudulently used. {$1100.00} was taken from our account that we did not authorize We were informed by Chase that the transaction had to occur inside the bank due to the amount. We contacted our local police department and filed a report, after filing a claim with Chase who reassured us the money would be immediately put back. We called everyday as the money was not immediately put back into our account Chase continued to reassure us it would. Only to receive a letter on the 6th day telling us theyre not refunding the money because we authorized the transaction. They came to this conclusion with no video proof of us walking into the bank, withdrawing the money. The detective on the case subpoenaed Chase for the video transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Validation of Debt Request - SOUTHERN MANAGEMENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
previously submitted a written request for validation and verification of this alleged debt pursuant to the Fair Debt Collection Practices Act. My request specifically asked Midland Credit Management to provide documentation proving the legitimacy, ownership, and accuracy of the account before continuing collection activity or credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For the past four days, Wells Fargo has blocked access to my bank account due to what they describe as a security verification. As a result, I have been unable to send money through XXXX or withdraw cash from an ATM, effectively preventing me from accessing approximately {$350.00} of my own funds. I have contacted their customer service multiple times and have spent more than three hours on calls, often waiting around 45 minutes each time, only to be repeatedly told that the verification will take another 2448 hours. Despite hearing the same explanation for several days, the issue remains unresolved and no clear timeline or meaningful assistance has been provided. Because of this ongoing delay, I have been unable to make necessary payments and access my money, and I believe this prolonged restriction without resolution is unreasonable and unacceptable.

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 2026-03-05 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I asked for a debt validation letter and they refuse to mail me a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: DISCOVER BANK
State: CA

Complaint narrative:
I never activated the card, I only signed up for it, but never used the card to purchase anything. I never signed anything to get it activated. It came by surprise when I was trying to purchase my first car and my credit score was extremely low because of this. My credit score was at XXXX and it is now around XXXX. This is making it really hard for me to be able to get a car, especially as a working student this is very upsetting to know my credit score is constantly dropping for something I never used or activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a loyal customer facing an involuntary medical insolvency with {$0.00} disposable income. I am filing this complaint because the banks automated systems are engaging in aggressive, retaliatory " Balance Chasing '' across my entire portfolio, completely bypassing human-led hardship reviews. I proactively established a " Cooperation Defense '' by mailing Good Faith partial payments via Certified Mail to bridge my medical leave. Instead of conducting a reasonable investigation of my hardship, the bank 's algorithms used my proactive communication as a trigger to financially penalize me : On my primary credit card ( Citi XXXX ) Cash, my limit was {$9200.00}. Immediately after my hardship notification, the system slashed my limit down to {$3400.00}. This artificially spiked my utilization to 102 %. On XX/XX/2026, I spoke with a chat agent who confirmed the card was now " blocked ''. When asked why the limit was decreased, the agent admitted they are " not able to see the exact reason, '' proving this was a blind, automated punishment. On my retail store card ( Best Buy ), my limit was {$4000.00}. On XX/XX/2026, the system slashed my limit to {$300.00}, spiking my utilization to 93 %. On my home improvement store card ( XXXX XXXX ), the system slashed my limit by {$5900.00} ( from {$10000.00} down to {$4300.00} ). Furthermore, the chat agent instructed me that I " need to call '' the XXXX XXXX XXXX to resolve the account block. My medical condition strictly prohibits telephone negotiations, which I have repeatedly documented. Refusing a written communication channel for a medically restricted consumer is a failure to provide a Reasonable Accommodation. Slashing over {$13000.00} in combined credit limits to artificially inflate my credit utilization while I am proactively paying constitutes an Abusive Act under the CFPA. ( I've never missed a payment in all the years of doing business with the companies ).

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOVERY A - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX dollars was sent from my account from whoever compromised my account to another chime account so I disputed it and wen I did they told me they had to close my account and I lost my money and my account and I just called to try to reopen my account and they said they couldnt do it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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