vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate accounting and collection practices associated with my federal student loan account administered by the U.S. Department of Education.

Multiple federal systems ( including Studentaid.gov and prior servicers ) reflect materially inconsistent payment histories, balances, and capitalization events for the same loans. Despite repeated requests, the Department has not provided a complete transactional accounting sufficient to substantiate the balance currently being enforced.

The Department is continuing collection activity based on a certified balance that appears unsupported by reconciled records, raising concerns regarding accuracy, transparency, and compliance with federal debt collection standards.

I am requesting that the CFPB facilitate review to ensure : -Accurate reconciliation of payment and balance records -Proper documentation supporting capitalization and interest accrual -Correction of any errors identified -Cessation of enforcement actions tied to disputed amounts until resolved I have attempted to resolve this matter directly and in good faith and am seeking regulatory oversight to ensure compliance. 


Thank you for your assistance. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My credit cards were closed with chase last year noting fraud or abuse. Ive been a chase customer for years and also a private client member and have not abused any of my cards. I had opened disputes with them over the course of the cards and always provided any and all detail if a merchant did not provide the service I paid for or if an item was not received along with police reports that I had filed if things were stolen. Chase stated I abused their claims process but I did not. I was recently approved for a new card and chase closed it after approved stating I had a history of abuse which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Their mobile app is awful regarding their payments. I set up autopay I guess I set it up for a fixed amount rather than the minimum due a difference of {$5.00}, fixed amount was {$40.00} amount due was {$45.00} I had no idea. Even today on XX/XX/2025 I went in to see what was going on because I received a notification ( I don't know if it was email, text or push notification that stated account was past due ) that is what prompted me to go in and look. That is when I saw I was past due, I immediately made a payment. I then went back to the home screen and the alert was still there prompting me to think my first payment didn't take. I made another payment. Then I reviewed transaction history and saw that I was charged late fees in XXXX, XXXX {$40.00} each and then in XXXX I was charged {$29.00} late fee. I went in again and saw I was set up for auto pay, I tried to edit and and no option. Again confused why i was charged late fees if I was set up for autopay. I called they waived one {$40.00} fee. I asked for it all because it was incredibly confusing and not to mention that I received an alert today but no other times? The call was escalated to XXXX ( XXXX ) where she said no to other fees and there was no one else I could talk to. I asked why the difference in the fees and she said 'Maybe ' it's because it was your first fee that is why it was {$29.00}. I was then told I had to cancel the autopay and setup new. Overall it was confusing and I even said look I can swallow the {$29.00} fee but to have to also do a {$40.00} when Capital One sometimes sends notifications ... seems crazy to me. I want all the fees reversed and action taken because I truly thought I was set up on autopay for the minimum amount and how it was done was misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I spoke with XXXX from the recovery department on XX/XX/year> at XXXX i gave him the account number # XXXX for the Macys American Express Card that was charged off for {$3200.00} and the balance i paid in full after the charge off to their collection XXXX XXXX XXXX iam asking for a copy of the XXXX to file with my taxes for XXXX  The representative XXXX is telling me he dnt see no XXXX for my macys XXXX XXXX account in the system because its a XXXX balance citibank charged off on the account so why is he telling me he can't provide that information please I need to have this investigated. I'm so sick of these people telling lies to protect these credit card company when all they do is lie to destroy people 's livelihood, I need help with my situation

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
balance : {$86.00} Account opened : XX/XX/year> I am formally disputing the accuracy, legality, and authorization of the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 604 ( Permissible Purpose ) and 611 ( Investigation of Disputes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Product : Checking account / debit card Company : Navy Federal Credit Union I am disputing two charges on my account. The first is for {$59.00} with a company called XXXX periodicali and the second is for total of {$500.00} with a company called XXXX. Both of these charges were wrongfully debited from my account, one for services that were never rendered and two for merchandise that I received that was incorrect but did not have any information on the company to return the merchandise back. XXXX  periodicali is an unknown company online that I made a purchase with and could not find any information for customer service or return options. The merchant XXXX was for a personal trainer who failed to show up for the scheduled service and provided no notice. This constitutes non-delivery of paid services. 

I submitted documentation for both merchants including proof of payment, communication attempts, proof of inability to locate any information of the other company, and evidence of non-performance. Despite this, Navy Federal Credit Union has repeatedly denied reimbursement and continues to request additional evidence that does not reasonably exist when a service provider fails to appear or does not have any information of their existence! 

The merchant XXXX denies receiving the funds despite my bank confirming the debit was completed. I am requesting that Navy Federal either issue a full refund or reimburse of these funds taken out of my account as the transaction involved services not rendered, inability to use merchandise sent nor have any access to information to resend merchandise, consumer protection standards apply. 

I believe Navy Federal has failed to reasonably protect me as a consumer and is improperly shifting the burden of proof in a situation involving clear non-performance. 

I am requesting full reimbursement of {$500.00} + $ XXXX {$550.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
I am disputing a collection account reported by I.C. System for a XXXX XXXX XXXX utility bill that does not belong to me. 

The alleged debt is associated with : XXXX XXXX XXXX account number : XXXX Service address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Email address : XXXX None of this information belongs to me. I have never lived at that address, never opened a XXXX XXXX XXXX account there, and the email is not mine. 

I contacted I.C. System and informed them of this error, but they continued to attribute the debt to me without providing any validation or documentation proving that I am the debtor. 

I am requesting immediate removal of this account from my credit reports and cessation of all collection activity under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: TN

Complaint narrative:
Leafy Financial LLC is reporting a collection account on my credit report in the amount of {$810.00}. I was never contacted or provided the required written notice prior to the account appearing on my credit report. My first awareness of this alleged debt was through credit reporting. 

On XX/XX/2025, I submitted a written dispute and request for validation directly to Leafy Financial LLC via email, requesting full validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Proof of this dispute is attached.

As of today, Leafy Financial LLC has failed to respond to my dispute, failed to provide any validation, and continues to report the account on my credit report without marking it as disputed. This constitutes inaccurate and incomplete reporting in violation of the FCRA, as furnishers are required to note disputes during investigation. 

Additionally, Leafy Financial LLC failed to provide the required written notice of the debt after first contact, despite credit reporting constituting first contact under the FDCPA. 

I am requesting that the CFPB investigate Leafy Financial LLCs failure to comply with federal consumer protection laws and require correction or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Tracking number usps : XXXX Was suppose to deliver to XXXX XXXX but end up in XXXX XXXX is not responding XXXX account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX handling of unauthorized debit card transactions and their improper denial of my fraud claim. 
On XX/XX/XXXX, I received a scam phone call stating that my debit card was being intercepted in the mail. XXXX, I immediately contacted Wells Fargo to report the issue and protect my account. Despite notifying them of a potential security breach, no preventative action was taken on my account. 
Later that same night, at approximately XXXX PM, I received multiple email alerts indicating suspicious activity, including multiple denied transactions for {$1000.00}. Finally an unauthorized phone transfer from my savings account to my checking account was made. Ultimately, {$1000.00} was successfully withdrawn from my account. I did not authorize any of these transactions. 
I promptly contacted Wells Fargo to report the fraud and filed a formal claim. Wells Fargo initially issued a provisional credit for the disputed amount, acknowledging that the transaction was under investigation. 
However, on XX/XX/XXXX, Wells Fargo removed the provisional credit, leaving my account negative, and informed me that my claim was denied. This decision was made despite the fact that : The transaction was not authorized by me I reported the suspicious activity immediately I filed multiple reports and fully cooperated with the investigation Wells Fargo has refused to provide a satisfactory explanation for denying my claim and has declined to take corrective action, leaving me financially harmed by fraudulent activity that I did not cause. 
I believe Wells Fargo failed to properly safeguard my account after being notified of potential fraud and failed to comply with their obligations regarding unauthorized electronic fund transfers.

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 monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I was in a debt management program with XXXX XXXX XXXX agreed to resolve this matter under the settlement terms arranged. However, they will not update my credit report to reflect settled and I do not understand why this request can not be done on all of the bureaus noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank take too long to clear checks. Holding a check for 7 days in the year 2025 is archaic and impossible justify. They are using using antiquated rules to take advantage of and make unnecessary interest from their customer 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: NRA Group, LLC
State: WV

Complaint narrative:
Ive received a couple text messages from a debt collector claiming to be national recovery agency after midnight. I get numerous texts from them quite often. Its very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2025, after noticing unauthorized withdrawals totaling {$18000.00} from my Chase account, I closed the account to prevent further loss. 

On XX/XX/2025, I filed a complaint with the CFPB regarding the unauthorized use of my JPMorgan Chase bank account.

Following the CFPB complaint, Chase informed me that they would reimburse {$4000.00} of the disputed amount. However, I never received this payment.

I visited Chase branches multiple times to inquire about the status of the {$4000.00}, but branch representatives were unable to explain where the funds were. 

In XX/XX/2025, a Chase branch representative informed me that the {$4000.00} had already been deposited. I was told that Chase mailed the check to an incorrect address due to their error. The check was mailed to XXXX XXXX XXXX, XXXX, NY XXXX, an address where I have never lived and which is associated with the individual who stole my identity.

Although I do not have written confirmation of when my mailing address was corrected, it is important to note that all other reimbursement payments issued by Chase related to this same fraud were successfully mailed to my correct address. This {$4000.00} payment was the only reimbursement that was mailed to an incorrect address.


Because of Chases mailing error, the check was received and deposited by an unauthorized third party. I never received, endorsed, or authorized this check. I subsequently completed a Declaration of Unauthorized Transaction as requested by Chase. Despite this, Chase denied reimbursement, claiming that I personally deposited the funds. This claim is impossible. The address is not mine, I have never resided at that location, and I never handled the check.

Chase later provided an image of the deposited check showing the endorsement. The signature on the check does not match my signature.

Additionally, this payment was issued as a cashiers check, and I do not understand how Chase allowed it to be deposited by or into an account not belonging to the named payee without proper verification.

This loss was caused by Chases mailing error and failure to prevent unauthorized negotiation of the cashiers check. I am requesting full reimbursement of the {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Dakota Financial, LLC
State: NC

Complaint narrative:
In XX/XX/year>, I entered into a transaction for a commercial vehicle that was represented to me as a financing arrangement. I later learned that the transaction was structured as a lease with an end-of-term purchase option that was not clearly disclosed at the time of agreement.

In connection with this transaction, I paid approximately {$10000.00} in buyer-direct cash to the dealer in addition to amounts reflected in the dealer paperwork. These payments were made directly to the dealer via bank transfer and debit transactions. However, these funds do not appear anywhere in the lease agreement, dealer invoice, account statements, or payoff calculations provided by the lender.

The dealer invoice reflects a separate amount of approximately {$15000.00}, but there is no disclosure or accounting for the additional {$10000.00} paid. As a result, my payments were not applied correctly, and the lenders records do not reflect my full financial contribution to the transaction.

I contacted the dealer and the lender multiple times to request clarification and correction of the account records. I also submitted a formal written demand requesting an accounting of all funds paid. These efforts did not result in a resolution, and the missing funds remain uncredited.

Because the lender relied on dealer-submitted information that omitted my buyer-direct cash payments, the lease balance and payoff amount are inaccurate and do not reflect the true cost of the transaction. I am requesting that the account be reviewed, corrected to reflect all payments made, and that the undisclosed funds be properly credited or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
I obtained an installment loan from Three Sticks Lending in the principal amount of {$1200.00}. At the time I accepted the loan, I did not clearly understand or was not meaningfully informed of the true Annual Percentage Rate ( APR ) or the total cost of the loan.

I later learned that the total amount I am expected to repay is {$6400.00}, which is more than five times the original loan amount. This total repayment obligation was not presented to me in a clear, transparent, or easily understandable manner at the time of signing. Had I understood that accepting this loan would require repayment of over {$6400.00} for a {$1200.00} loan, I would not have agreed to the terms.

I believe this loan reflects unfair and predatory lending practices due to the extreme interest rate and lack of meaningful disclosure regarding the true cost of borrowing. 

On XX/XX/year>2025, I formally revoked authorization for electronic withdrawals by sending written notice to Three Sticks Lending via their published customer support email address. I also contacted my bank to block ACH withdrawals. I am requesting that this matter be reviewed and that appropriate corrective action be taken.

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 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: GA

Complaint narrative:
I have a refunded loan and its supposed to be gone it is still on my credit

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
I am writing to formally dispute an entry on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes for accessing consumer credit reports. 
Upon reviewing my credit report, I discovered an inquiry/account entry from Firstsource Advantage LLC that I did not authorize. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a credit report with my written consent, which I never provided to Firstsource Advantage for such access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation