vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: CA

Complaint narrative:
This complaint concerns inaccurate credit reporting by Discover after the company previously confirmed to the Consumer Financial Protection Bureau that I was not responsible for the account balance and that the account would be deleted from my credit reports. On XX/XX/year>, Discover responded to CFPB Case # XXXX and stated that after reviewing my complaint they determined I was not responsible for the balance due to unauthorized activity and that they had requested deletion of the account from all credit reporting agencies. Despite this confirmation, the Discover account has reappeared and is being reported again on my credit report. This reporting relates to activity that occurred while I was XXXX from XXXX through XXXX. I previously provided XXXX documentation and a Federal Trade Commission Identity Theft Report showing that I could not have authorized the transactions during that time. Discover previously acknowledged this issue and confirmed deletion, yet the account continues to appear and I am still receiving letters that do not address the prior CFPB resolution. This indicates that Discover either failed to carry out the deletion they confirmed or has allowed the inaccurate information to be reinserted. Re-reporting an account after confirming it would be deleted is inaccurate and harmful to my credit file. I am requesting that Discover honor their prior CFPB response and permanently remove this account and all related reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MI

Complaint narrative:
My mortgage servicing was transferred from XXXX to Selene Finance in XX/XX/XXXX. Beginning in XXXX XXXX, I began attempting to submit documentation related to financial hardship and a request for mortgage assistance. Since the transfer of servicing, I have made multiple attempts to provide the requested documentation. During this process I have encountered repeated inconsistencies and servicing issues. Representatives have advised that documents were received and resubmitted, however subsequent representatives later stated that no documents were present in my account. On multiple occasions I was instructed to re-submit documents, including being asked to handwrite certain documentation and upload it again. I received confirmations that documents were successfully uploaded, but when speaking with different representatives I was told the documents were not visible or not present in the system. Because of these issues and the conflicting information provided by different representatives, I resubmitted my loan assistance documentation again on XX/XX/XXXX at the instruction of a Selene representative. Despite my repeated good faith efforts to comply with all requests and provide the required documentation, I have not received clear confirmation that my hardship application has been properly received, processed, or placed under review. I am requesting confirmation that my hardship documentation has been properly received and that my request for mortgage assistance is being reviewed. I am also requesting clarification regarding the correct process for submitting documentation, as I have received conflicting instructions from multiple representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
Stellantis Financial Services I am filing a complaint regarding the repossession of my leased 2026 XXXX XXXX XXXX XXXX financed through Stellantis Financial Services. The repossession occurred after the first two lease payments were not processed because of an autopay setup error. When setting up autopay, I mistakenly entered a check from a bank account that had been previously closed due to fraud. This was an honest mistake during the initial setup and not an attempt to avoid making payments. I have an active and valid bank account and I am fully willing to immediately bring the account current. I have offered to pay all past-due payments, late fees, repossession costs, and any other reasonable charges necessary to reinstate the lease. I also received written notices regarding missed payments significantly later than the dates printed on the letters. By the time those notices arrived, the vehicle had already been repossessed, which prevented me from correcting the mistake earlier. My intention when entering this agreement was to complete the full three-year lease term. However, Stellantis Financial Services is requiring that I pay off the entire vehicle balance instead of allowing reinstatement of the lease.

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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I am filing this complaint because I have been unable to make payments on my credit card due to an apparent issue with the creditors payment system. Despite multiple attempts over several months and repeated contact with the company, the issue has not been resolved and is now at risk of negatively impacting my credit. For the past several months, I have attempted to make payments on my account but the payment system will not allow the transaction to be completed. I have contacted the credit card issuer on multiple occasions to report the issue. Each time I was informed that the matter was being escalated to their IT department for investigation. Despite these assurances, the issue remains unresolved and I have not been provided with a working method to make payment. I have made clear to the company that I am willing and attempting to make payments towards the balance on my account, but their system error has prevented me from doing so. Because this problem is outside of my control, I am concerned that the account may soon be reported as late to the credit bureaus, which would cause unjustified damage to my credit history.

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: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/year> - WFBNA credit card opened under my SSN with another persons name. XX/XX/year> - Experian alert that I had a new credit account associated with my SSN. XX/XX/year> - Filed dispute with Experian. XX/XX/year> - Spoke with Wells Fargo and they closed the account. XX/XX/year> - Will attempt to file fraud report with Wells Fargo.

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: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Person ( XXXX ) sent a fraudulent check for XXXX as a " stipend '' ( job opening ). The check bounced a week later and JP Morgan Chase took the XXXX of earned wages in my checking account to cover the expense ( let alone the savings account ). I now owe close to XXXX in collateral for said scam, let alone the high-interest credit cards I pay more than minimum each month. This restricts me from paying dues and letting my credit score fall under. I can not see the logic to pay for XXXX that scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I never received any notification before stenger and stenger filed a case against me for a bbva credit card. They are working for XXXX XXXX soultions. I emailed both and asked for debt validation but they have not responded. Next I will send certified mail.

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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, during the time interval of XXXX, I was withdrawing some cash, to pay rent, in an outside atm at Chase on XXXX XXXX XXXX XXXX XXXX, CA, XXXX. I withdrew {$1000.00} from the atm first and i withdrew another {$1200.00} but i couldnt because I had reach my daily limit. While withdrewing the cash, I noticed that i couldnt tap in my debit card to the XXXX tag even though i did tap in for both atm outside, so i had to insert my card to the atm. After the withdrawal, I just go home and I gave rent to my landlord with the cash and the remainings with XXXX payment. Next day, in the morning around XXXX of XX/XX/XXXX, I received an email that my balance in my debit is low. When I check my checking account, {$1600.00} from my checking account was withdrawn without my notice. It was two separted transaction with {$1000.00} and {$600.00}. The transaction is labelled ATM DEBIT XXXX XXXX XXXX XXXX XXXX CA for both of the transaction. I had called the bank right away to made a claim and order a new debit card. On XXXX, I made a report to XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. On XXXX, I called the bank to check the status of my claim and they replied to me that they closed the claims, and said that the transaction was made by physical card, even though I always had my debit card with me all the time.

Company response to consumer: Closed with monetary relief
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: LA

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: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
" On XX/XX/year>, I purchased an appliance at Best Buy Store # XXXX ( XXXX XXXX XXXX, XXXX ). During the transaction, I was asked to apply for a Best Buy credit card and I explicitly stated 'No. ' Despite my refusal, an employee submitted a credit application in my name. I discovered this after receiving a denial letter from Citibank ( Ref # XXXX ). Upon investigation, it was revealed that a fraudulent/placeholder Social Security Number was entered into the application to bypass my refusal and force a credit pull. I have been in contact with Best Buys Resolution Team. While they initially acknowledged the issue, they have since ceased all communication and have failed to remove the unauthorized inquiry. This is a willful violation of the Fair Credit Reporting Act ). I am requesting that Citibank/Best Buy immediately delete this inquiry from all three credit bureaus. ''

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: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Validation of Debt Request - CREDIT COLL/XXXX XXXX XXXXXXXX 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 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I ask the company for the contract involving this matter I need removed off my credit

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am submitting this complaint because National Credit Adjusters is reporting a collection account on my credit report for {$1100.00} that does not belong to me. I have no knowledge of this debt, I have never received any documentation supporting that it is mine, and I have repeatedly requested proof of ownership without any response. I have contacted the company several times and I am exhausted from continually disputing the same inaccurate information. Despite my disputes, I have not received a single piece of verification or validation by mail, even though I have requested it in writing. This is extremely concerning to me because as a consumer, I know I have the right to receive proper validation of a debt before it is reported or collected. This situation is causing me unnecessary stress and harm. It is also a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that debt collectors provide verification when a debt is disputed and prevents them from reporting information they can not validate.

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: I.C. System, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - I C SYSTEM INC/BANFIELD PET HOSPITAL - 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 ) 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 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 — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime closed my account for a chapter XXXX bankruptcy, and took all my funds on the XXXX XXXX I was sent an email said it was being held for a trustee. They didn't provide any info for the trustee to contact them except a generic number. MyXX/XX/XXXXsaid my account was Exempt, and they shouldn't be '' holding '' my money. I've called that number multiple times and emailed their support email, and have had rude service, and got every answer from " im not getting my money back, to you'll get a refund before the XX/XX/XXXX days are up. I've asked for fax numbers and emails, per myXX/XX/XXXX, and they won't give me any info, and told me my confidential documents could be sent to thier generic support email. But when I contact them, they said it isn't monitored and I shouldn't email to them. Due to this my regular checking g is over XXXX dollars negative, and I can't afford gas or groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management , INC . XXXX XXXX De LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Account Number : XXXX To Whom It May Concern, I am in receipt of your attempts to collect on the above-mentioned account. This letter serves as formal notice that I dispute the validity of this alleged debt in its entirety. I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX and their collection of an alleged debt that I dispute. I was never properly served with notice of the lawsuit regarding this alleged debt. The documents were sent to an old address where I no longer resided, and I had no knowledge of the legal action being taken against me. I only became aware of this matter after my employer notified me that my wages were being garnished. As soon as I learned about the garnishment, I immediately filed a motion with the court to vacate the judgment due to improper service. At this time, XXXX XXXX XXXX has already taken money from my wages based on a judgment that I did not have the opportunity to defend because I was never properly notified. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) and the Fair Credit Reporting Act, I am requesting full validation of the alleged debt. Please provide competent evidence that I have a legal obligation to pay your company. Specifically, I request the following documentation : A copy of the original signed contract or agreement bearing my signature. The name and address of the original creditor. A complete payment history beginning with the original creditor. The date of first delinquency. Documentation proving your legal right to collect this debt, including the chain of assignment or bill of sale transferring the account to your company. The charge-off statement from the original creditor. Verification that the account is being reported in full compliance with XXXX XXXX reporting standards. Until such validation is provided, you must cease all collection activities and cease reporting this account to any consumer reporting agency. If this account continues to be reported without proper verification, such reporting may constitute violations of the Fair Credit Reporting Act for furnishing information that is inaccurate, incomplete, or can not be verified. If you can not provide the requested documentation, you must immediately delete this account from all credit reporting agencies and cease all collection efforts. Any further attempts to collect on this alleged debt without proper validation may also constitute violations of the FDCPA. I request that all future correspondence be in writing. Sincerely, XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, Ohio XXXX

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 — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
{$1000.00} plus transaction fees were extracted from a store ATM and I did not do it. PNC Bank has been reluctant to investigate it and has denied my claim XXXX times with no proof that I made the transaction. This was deducted from my account due to a fraudulent atm transaction on XXXX. PNC Bank Executive XXXX XXXX Alabama XXXX XXXX XXXX

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: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX The situation was that I did not have my physical credit card with me as I am in a different country altogether, and I was trying to make a travel purchase on the Capital One XXXX XXXX. Since I did not have my physical card, I generated the Virtual Credit Card ( VCC ), because on their website the VCC is allowed EVERYWHERE. So it's not a huge leap in assumption to believe that using THEIR VCC on THEIR XXXX XXXXl would work. The XXXX XXXX rejected the VCC with the error that it didn't even recognize the VCC as a Capital One card. So I called in to their Customer Service ( CS ) team. The initial agent I was connected to was very inept at his job. He kept repeating the same things over and over and could NOT understand me when I explained the situation. He made me redo steps like log into my account several times and finally when I got fed up, I asked him to transfer me over to someone who could actually help me. After agreeing to the transfer, and after 1 min on hold, he hung up on me. So I called in again. The secondary agent was a bit more helpful, and then connected me to the XXXX XXXX team. After waiting 10min+ on hold, the XXXX XXXX team said, " VCC is not allowed to be used at all on the XXXX XXXX. '' NO WHERE was that explicit and I have already wasted so much time trying to get this resolved. So here are my complaints, 1. The language on the VCC home page is FRAUD. It does NOT work everywhere, least of all THEIR OWN PORTAL. 2. I want direct FEEDBACK to the first agent who I called in for support. Absolutely RIDICULOUS to hang up on a customer. That agent requires immediate feedback and coaching. Incredibly irresponsible and such a poor customer experience. At this point, I am looking to close both my personal and XXXX accounts. I expect an answer back with apology and recorded actions for that first agent. I know you can look the past customer service accounts and which agents touched the account. So don't make up lies or excuses that you can not.

Company response to consumer: Closed with monetary relief