vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>2026 I submitted a payment of {$2200.00} to my loan servicer M & T Bank. When I did that I accidentally clicked the submit button 2 times. In doing so it tried to pull the funds twice out of my account. The first payment was processed and I verified this with my bank XXXX. I sent a document from XXXX to my loan servicer M & T bank stating that the money was sent. They then tried to pull a payment of {$2200.00} and {$1600.00} on XXXX XXXX 2026. Then on XX/XX/year>2026 they issued XXXX reversals of {$1600.00}. Neither of these reversals hit my account. I have been going back and forth with them for 3 weeks and they keep coming back to me with the same answer of " there is a balance of $ XXXX that is still owed for XXXX payment and that they sent the money back to me. But adding the 2 {$2200.00} and the {$1600.00} then subtracting 2 reversals of XXXX does not make sense either. It seems like my money is in the void and im tired of dealing with them and not getting a better answer. They also have not reached out to me when they finished their " investigation '' I had to call them and have been passed around from person to person. They are telling me that i have to make the payment for XXXX and that it is what it is. I have had them open 2 more tickets since the initial ticket.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am responding to your contact about the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor The full amount of the alleged debt Documentation showing I am legally obligated to pay Proof that your company is authorized to collect this debt Until this information is provided, please cease collection activities. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX said the company XXXX XXXX charged me 2 times one was for the purchase of the tickets for {$420.00} for the cruise. then i get an automatic charge for {$720.00} for a drink package when i dont drink i am XXXX and we are XXXX take lots XXXX. i saw this and disputed this with the credit card before i went on this cruise thus after i returned they still were billing me i disputed it again and explained again after i submitted the receipts again showing original charge and the same {$720.00} charge before i went i was being billed before i went on the trip the cruise line they say sent them a receipt obviously a receipt of what i did not use i am very displeased im looking to make police report against both card and princess for them not helping XXXX has now said i have disputed this for XXXX days and refuse to help me very sad they do this to there customers. i need them to remove this {$720.00} that i did not make i am being scammed by both now XXXX XXXX and XXXX i will never get another XXXX or go on XXXX scamming XXXX people i am XXXX and can not drink alcohol shame on XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX deposit accounts with Truist Bank. Over the past year I noticed recurring monthly maintenance fees and overdraft-related charges that appear to be connected to internal transfer limits applied to the accounts. While reviewing my account statements for XXXX and XXXX, I identified a pattern of recurring XXXX XXXX monthly maintenance fees along with prior overdraft item fees of approximately {$36.00}. These fees were assessed even though deposits and transfers were regularly occurring between my accounts. For example, statements show recurring XXXX XXXX monthly maintenance fees across multiple months in 2025. In addition, overdraft item fees of {$36.00} were assessed when transfers and payments occurred close together in the account activity. I contacted Truist customer service and spoke with a representative and a bank manager in XXXX. During that call I was told that the charges were caused by exceeding a six transfers from savings rule and that the charges were automatically generated by the banks system. I was also told that the charges could not be reversed through customer service and that I would need to visit a branch in Florida in person. This explanation is concerning for several reasons : The transfer limitation rule appears to be an internal system rule rather than a regulatory requirement. The fees were generated electronically but Truist stated they could not reverse them without an in-person branch visit. Customers are not clearly warned that routine transfers between their own accounts will trigger recurring penalties. Based on my review of the statements, the total fees appear to exceed approximately {$270.00}, although I have requested that Truist conduct a full audit of the accounts to determine the complete amount. I attempted to resolve this issue directly with Truist before filing this complaint, but the bank representatives stated that nothing could be done due to system rules.

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 2026-03-06 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: IN

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: AZ

Complaint narrative:
In XXXX, Sallie Mae originated a private Signature Student Loan for {$10000.00} at 13.750 % interest for my attendance at The XXXX XXXX XXXX XXXX XXXX XXXX Over 21 years, through repeated forbearance periods and XXXX separate interest capitalization events adding over {$22000.00} to my principal, I paid {$63000.00} to Navient/MOHELA and still owe approximately {$25000.00} through a refinanced loan with XXXX. The estimated total lifetime cost of this {$10000.00} loan is approximately {$88000.00}. On XX/XX/XXXX, the XXXX Department of Education approved a {$6.00} XXXX group discharge for XXXX XXXX XXXX students who enrolled between XXXX, finding the school engaged in substantial misrepresentations about employment rates, salaries, and career services. I enrolled within this exact timeframe, but because my loan is private, I was excluded from relief. On XX/XX/XXXX, MOHELA denied my School Misconduct Discharge application citing insufficient evidence of misconduct and harm despite the federal government 's own findings of widespread fraud at this school. The XX/XX/XXXX CFPB v. Navient settlement confirmed Navient engaged in systematic forbearance steering. My loan history reflects exactly this pattern : XXXX capitalization events during forbearance and payment postponement periods that ballooned a {$10000.00} loan into nearly {$90000.00} in total costs. Sallie Mae originated this predatory loan knowing the XXXX XXXX had problematic practices, as documented in the XXXX multistate AG settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a mail from Jefferson Capital Systems LLC stating that I owe a debt to T-Mobile in the sum of {$1300.00}. I mailed a Formal Validation Letter to the company. They stated I had until XXXX XXXX to respond I did on XX/XX/year>. I check my credit report on to see a derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: FL

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report, I have determined that the late payment notations associated with this account are inaccurate, misleading, and/or incomplete Account Name : JPMCB CARD - XXXX Account Name : XX/XX/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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
They literally call everyday and wont stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/XXXX moneygram sent an email that it was closing my moneygram card ending in XXXX and my moneygram account. There was a balance of {$800.00} USD on my card. I did not access that account and when I tried to access it in XX/XX/XXXX the access was blocked. I then contacted moneygram several times by filling online complaints none of which have been properly addressed. I have chatted for hours with XXXX XXXX XXXX who assured me the balance check was mailed to my new address at XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it would be received no later than XX/XX/XXXX. I have not to date received a check and no clear response from all the complaint tickets and online chats. Please help me get my balance from moneygram.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP 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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for reporting inaccurate and deceptive financial data to my credit reports. XXXX is attempting to collect a debt on behalf of XXXX XXXX ( Account # XXXX ). Upon requesting validation, XXXX provided a " Statement of Account '' that contains significant chronological errors. The document explicitly states the " Statement Covers : Winter Quarter XXXX, '' yet the actual charges listed are from XXXX and XXXX. This 16-year discrepancy violates the Fair Debt Collection Practices Act ( FDCPA ) regarding false or misleading representations. Furthermore, the billing for the " XXXX '' sessions does not reflect the financial aid and tuition discounts promised during my enrollment, and I am disputing the total balance of {$2000.00} as unverified. XXXX continues to report this " zombie '' data despite these clear inaccuracies. I request that XXXX cease reporting this account and delete the tradeline immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: OH

Complaint narrative:
I signed up for XXXX XXXX, had trouble accessing it on my XXXX, it said I needed to create an account on my mobile phone, when I tried that it gave me a phone number to call. XXXX did and the man answered " XXXX '' and proceeded to help me with my problem then told me he could see charges on my credit card for gift card purchases, {$100.00} {$250.00} and then he said he saw a {$10.00} charge for the XXXX XXXX which is valid and made me feel he could really see my charges. then he mentioned a big one for {$15000.00} for gift cards, which made me upset. I said I'd better call my credit card company and he said no he could help me reverse it but we had to go online and place the charge ourselves in order to reverse it. He had me download a program on my laptop so he could have access to it, hfe went online to XXXX, filled out the order then he told me I had to input my card info, which I did. When the credit card company texted me to question the charge he told me that I had to answer that it was me because we had to finish what we were doing so he couild help me .. XXXX even set the purchase up so it was emailed to my email address, then he opened each XXXX and had me write down all the pin numbers which of course was for him to print the cards. XXXX gift cards for XXXX XXXX {$500.00} each. attached is my police report, email that was sent to me with the cards and the XXXX number I called and when we got disconnected he called me back from a New York number. XXXX attached is a posting on an internet forum for XXXX that shows it also happened to another, though he didn't fall for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
A XXXX XXXX fraudulently opened up an account or someone did. I filed a claim because I never opened up a XXXX XXXX nor do I ever dont want us bank. They reported to chexsystems & they will not remove. They are rude and call me a liar & other degrading names. I want this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, an unauthorized transfer of {$620.00} was sent from my account through Chime to an individual I do not recognize. On XX/XX/year>, XXXX additional transfers were sent to the same individual in the amounts of {$1400.00} and {$500.00}. I did not authorize these transactions and I do not know the person who received the funds. Shortly after noticing the transfers, I filed a dispute with Chime and requested that the transactions be investigated and reversed. I also attempted to request my money back from the recipient through the app, but it appears I may have been blocked. Additionally, there was another request for {$150.00} made by the same person, but that request was later canceled. Despite reporting the issue immediately, my dispute was denied within approximately 48 hours without a clear explanation or what appears to be a full investigation. Because these transfers were unauthorized and sent to someone I do not know, I am requesting that Chime conduct a proper investigation and reimburse the disputed amount. The total amount involved in these unauthorized transfers is {$2500.00}. I am requesting a full refund of the unauthorized transactions and a detailed explanation of how this decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IN

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

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