vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
In XX/XX/XXXX, I signed a merchant processing agreement through XXXX ( an ISO of Elavon/U.S. Bancorp ) for my dental practice. The signed agreement specifies XXXX XXXX XXXX pricing with a markup of 0.10 % + {$0.00} per transaction across all qualification tiers ( Qualified, Mid-Qualified, Non-Qualified, Standard ) and all card brands ( XXXX, XXXX, XXXX, XXXX ). Authorization fees are listed as {$0.00} for all card brands. In early XXXX, I audited 24 months of billing statements ( Feb 2024Jan 2026 ) and discovered that my account has been billed using variable tiered surcharges different markup rates for Qualified, Non-Qualified, XXXX, and Rewards transactions rather than the flat 0.10 % + {$0.00} specified in the contract. Over 24 months on {$670000.00} in net sales, the total processor markup collected was {$3100.00} versus the {$810.00} allowed by the contract XXXX times the contracted amount. The excess markup totals {$2600.00}. Additionally, beginning XX/XX/XXXX, a {$0.00} per-authorization fee was added to every credit card transaction despite the contract specifying {$0.00}. This totaled {$250.00} over 7 months. I contacted XXXX in XX/XX/XXXX with a detailed written demand. Over two months of email correspondence with their CEO ( XXXX XXXX ) and Chief Growth Officer ( XXXX XXXX ) : XXXX initially claimed tiered surcharges are a normal feature of " Enhanced IC Plus '' pricing, but could not explain why the processing fee rate in the markup column varies by tier when the contract specifies a flat rate in every field. Both cited Section 17.12 of the Elavon XXXX ( allowing rate changes with 30 days notice ) but could not produce any notice that authorized the change from flat markup to tiered surcharges. The only notice produced was dated XX/XX/XXXX, which postdates the tiered billing by at least 16 months. XXXX admitted the company was " upside down on the deal '' and raised rates because the original pricing was unprofitable. XXXX then offered to restore the contracted 0.10 % + {$0.00} rate going forward contradicting the claim that this rate was unsustainable but offered only a {$500.00} refund on {$2600.00} in overcharges. When I stated I would file regulatory complaints, XXXX threatened that the company would " consider this libel and act accordingly. '' He subsequently walked this back. XXXX agreed to credit the {$250.00} in auth fees and remove the XXXX XXXX monthly service fee going forward, but these credits have not yet been applied. I have requested statements from account inception ( XX/XX/XXXX ) through XX/XX/XXXX three times. They have not been provided.

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 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Today, XX/XX/year> to my knowledge based off of my phone and XXXX for today 's date and time, I requested a transfer from the XXXX acct I was informed was closed, ending XXXX. To the Robinhood account ironically, that I reported on here to the consumer finance protection board as well when someone stole/sold off a bunch of my stocks in the thousands of dollars and possibly illegally opened another Robinhood account to collect that stolen money which I have yet to receive from Robinhood. The funds I requested from XXXX were just partially funded from the XXXX account ending XXXX supposedly, into the Robinhood account. I XXXX XXXX, social security ending XXXX, XXXX XXXX, demand my stolen/illegally sold Robinhood stock money, confirmation the transfer from XXXX went through, and answers as to whom is doing this and why, and how long has this theft been going on. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Equifax. I disputed a collection account that Equifax claims is verified. However, when I contacted the collection agency directly, they stated they do not have this account and could not locate or validate it. This means there is no entity able to verify the debt. XXXX and XXXX both deleted this account due to inability to verify, yet Equifax continues to report it as verified. This creates inconsistent and inaccurate credit reporting. Equifax appears to have relied on dispute category coding rather than investigating the actual issue, which is that no collection agency can verify or locate this account. They have verified identity, not the existence or validity of the debt. Under the Fair Credit Reporting Act, information reported must be accurate and verifiable. Since no collection agency can validate this account, it should not be reported. I am requesting that Equifax conduct a proper investigation and remove this account from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
I am submitting this complaint against LVNV Funding and its servicer Resurgent Capital Services regarding their reporting of an alleged debt on my consumer credit reports without providing proper validation as required under federal law. On or about XX/XX/year>, I mailed a timely written request for validation of the alleged debt after receiving initial communication from the above-referenced entities. In my request, I specifically asked for documentation sufficient to establish : - The identity of the original creditor - The amount of the alleged debt, including any breakdown of charges - Documentation evidencing that LVNV Funding has legal ownership of the account - Account-level documentation connecting me to the alleged obligation In response, I received only a single-page account summary generated by the debt collector. This document merely lists a balance and identifies LVNV Funding as the current owner. It does not include any underlying documentation from the original creditor, any account statements, any charge-off records, or any evidence of assignment of my specific account. This response does not constitute meaningful validation of the debt. It is simply a restatement of the collectors claim and does not provide independent verification sufficient to confirm the legitimacy or accuracy of the alleged obligation. Despite failing to provide adequate validation, LVNV Funding and Resurgent Capital Services have now reported this account to the consumer reporting agencies as of XX/XX/year> I dispute the accuracy and completeness of this reporting. Reporting a debt that has not been properly validated, and which lacks sufficient supporting documentation, is misleading and constitutes the furnishing of unverified and potentially inaccurate information. Additionally, any reporting made without noting that the account is disputed is itself inaccurate and noncompliant. Accordingly, I am requesting the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Cessation of all collection activity until proper validation is provided 3. Provision of competent documentation supporting : - The original creditor - The full account history and balance calculation - A valid chain of assignment demonstrating LVNV Fundings ownership of my specific account If LVNV Funding and Resurgent Capital Services are unable to provide such documentation, they must cease collection efforts and refrain from furnishing or continuing to furnish this information to any consumer reporting agency. I expect a thorough investigation into this matter and full compliance with all applicable federal laws. This complaint is submitted without acknowledgment of liability for the alleged debt, and all rights are expressly reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing in to make sure you received my complaint about XXXX XXXX XXXX XXXXXXXX. I have a document that I would like to send you that includes EVERYTHING that you need to know about the damage this company is causing not only me, but other financially vulnerable people in the United States. I have NOT filed a lawsuit because there is no listed registered agent, when I sent a letter to them certified it was returned because no business with that name at that business location existed, and they did not offer to help me with adjusting my move, nor did they have an address I was officially moving to. They have made it incredibly stressful with just a manager saying I'm not getting my money back and not anything else despite breaking multiple laws. I have spent about 46 hours on documenting, researching, and sending messages to State Attorney Generals and a Senator in Florida that I can provide as well, who have told me to reach out to you and others, including the FBI. I don't know where to make a complaint about this to the FBI, so I am going this route. I am now asking for compensation for the amount of time and stress this has caused me among many others. This compnay needs to be SHUT DOWN! I am requesting {$8000.00} in payments for time, emotional distress, deceptive practices, and the money that they have stolen from me. I talked to my bank about the money and the denied my request twice. I will be moving forward with the CPFB with them, but would like you to do EVERYTHING you can to help me get my money back and stop this horrible company from conitinuing this pattern as you can see from the complaints online. Thank you, and please let me know how I can help you in any way. They claim they are not a broker, but they are, and then they claim to be located in XXXX XXXX. Please see the attached document, as well as multiple denials from the bank and communication with them. Sincerely, 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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding a debt that I requested validation for, but the debt collector has failed to properly respond. On or about XX/XX/year> I sent a written request for debt validation to National Credit Systems regarding account number xxxxxxx. This request was made pursuant to my rights under the Fair Debt Collection Practices Act. The debt collector has failed to provide adequate validation of the alleged debt. Specifically, they did not provide : - Documentation showing I agreed to the debt - A complete payment history or breakdown of the amount - Proof that they are authorized to collect on this debt - Verification from the original creditor Despite this, the account continues to be reported on my credit report, which I believe is inaccurate and in violation of federal law. I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies- Cessation of all collection activity - Written confirmation that this matter has been resolved This failure to validate the debt while continuing collection efforts and credit reporting may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I expect a full investigation and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding both an unfair fee and poor customer service at Wells Fargo. I closed my account on XX/XX/XXXX and my cashiers check that was mailed to me never arrived. And I visited a branch in person to resolve the issue after waiting 15 business days as thet told me.in the branch I was informed that I needed to pay a {$33.00} '' surety bond '' fee in order to cancel the original check and issue a replacement or i have to wait more 90days is that believable!! I do not believe this fee is appropriate, as I never received the cashiers check and the situation was not caused by me. In addition, the service I received at the branch was extremely poor. The employee assisting me appeared to lack knowledge and professionalism, and the process took over two and a half hours to complete. This caused significant inconvenience and frustration. This experience has negatively affected my trust in Wells Fargo. I am requesting : A full refund of the {$33.00} fee A review of how my case was handled, including staff training improvements Thank you for your attention to this matter

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently requested my three annual credit report. I learned that JP Morgan Chase has been reporting this account as charged off for several months. Additionally, I disputed the discrepancy on my account and it came back verified by the servicer. I am currently demanding the methods of verification, and JP Morgan Chase 's legal standing to collect. A debt buyer has confirmed that they have purchased this account as of 2024. Each request sent by the consumer for an unredacted general ledger to show that JP Morgan Chase are currently in legal standing to collect ( and to disclose accounting obligations ) have been ignored. JP Morgan Chase continues to report a current balance due on a charged off account each month, that has been securitized and transferred as asset-backed securities as stated in their publicly available SEC reports . JP Morgan Chase is attempting to collect on the same debt twice, and despite several request for proof of standing has failed to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have received 2 checks from a settlement. I have tried to deposit them twice. Once on Friday XX/XX/year>. The teller had told me to come back on the XXXX as the positive pay is saying they checks will be available to deposit in that day. Mind you the checks are dated XX/XX/year>. I go back today on the XXXX and they said they are not able to deposit the checks and they dont know why then system is denying them. The tell calls the positive pay phone number & they state everything looks good on their end & the checks should be accepted. The tell then calls the XXXX number ( not sure who ) but they tell him the checks cant be accepted. Mind you these checks are from an insurance company for the school districts. Drawn from the same bank as my account. The tell then tells me I need to contact the issuing company and request new checks. I am not able to do that because they are not my attorney. So I reach out to my attorney who tells me they have deposited the checks for their services and has not had any issues. Now Im stuck without being able to deposit these checks. This is my money. US Bank is so wrong for this.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
They keep sending me credit debts which turns into depth collections and I just cant keep up. My credit scores keeps dropping because of it and I honestly dont know what to do because I dont have the money to pay it off due to other bills I have.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IN

Complaint narrative:
I have initiated a money transfer of {$300.00} on XX/XX/year> to my XXXX XXXX account through Abound money transfer services. The money was debited from my XXXX XXXX account on XX/XX/year>. They promised to credit the amount on XX/XX/year> but they have not. Till now I have not received my money to my XXXX account. I have reached out to their customer support team on their app and also sent an email to XXXX but their reply is that there is a delay in their partner bank and this is the reason but I dont think this would take more than 25 days for the money to arrive.

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 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company removed original acct and placed in an program now it's showing multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I received a letter from pressler felt and warsaw telling me that they are garnishing my wages for a debt i do not recall having and is more than 20 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
CREDIT COLLECTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Subject : Debt Validation Request Under FDCPA To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation and information : The total amount of the alleged debt, including a breakdown of all interest, fees, and other charges. The name and address of the original creditor, along with documentation demonstrating that you are authorized to collect on behalf of the creditor or that you have legal ownership of the debt. A copy of the original signed agreement, contract, or other legally binding document bearing my signature that evidences my obligation to pay this debt. A complete and itemized payment history, including all charges, payments, credits, and adjustments used to calculate the current balance. A copy of the original purchase agreement or account documentation associated with the alleged debt. Additionally, if this account has been reported to any consumer reporting agencies, please provide verification of the accuracy of such reporting as required under the Fair Credit Reporting Act ( FCRA ). Be advised that under the FDCPA, you are required to cease all collection activities until you provide proper validation of this debt. Failure to provide adequate validation may constitute a violation of federal law. If you can not validate this debt, you must cease collection efforts and notify any credit reporting agencies to which you have reported this account that the debt is disputed. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a complaint against Chase Bank NA for the following four ACH transactions {$280.00} XX/XX/XXXX Chase claim # XXXX, {$280.00} XX/XX/XXXX Chase claim # XXXX, {$560.00} XX/XX/XXXX Chase claim # XXXX, {$560.00} XX/XX/XXXX Chase claim # XXXX. The preceding transactions were acknowledged as received by Chase as well as verified cleared and posted by the sending bank. Chase however claims that the amounts could not be credited because the transactions were not written to the correct payee although the account and routing numbers were correct. All trace numbers were verified from both the sending institution and Chase. Attempts to recall the transactions were initiated by both myself and the sending institution but Chase refuses to return the funds and/or has lost repeated documented requests from the sending institution. I have at least four documented transactions from XXXX of paper checks which were written with a similar " inaccurate '' payee which Chase honored and credited with no issues. These instances were for deposits made of {$870.00} on XX/XX/XXXX, {$490.00} on XX/XX/XXXX, {$320.00} on XX/XX/XXXX and {$340.00} on XX/XX/XXXX. All were written by a single different vendor thus proving that absolute accuracy in the payee spelling is not necessary.

Company response to consumer: Closed with explanation