vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Greetings Capital One! During my trip to XXXX, I discovered on XX/XX/XXXX {$30000.00} of fraudulent charges. I have since cut up and discarded the credit card and closed the card. A new card has been sent to my home address in Alaska. This letter constitutes my official response regarding Case # : XXXX and the latest FRAUD update letter dated XX/XX/XXXX. In review, Capital One has stated : After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe you or another account user benefitted from the transactions. I hereby declare under penalty of purgery that I had no association with a XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} during my stay in XXXX. I am formally requesting the complete documentation provided by the merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that led to your determination that I or another account user benefitted from the transaction ( s ). Specifically, I am requesting : Proof of delivery or service fulfillment IP/device information relied upon AVS/CVV match details Any signed receipt or authorization Any digital access logs I do not recognize or authorize these charges and request reconsideration upon review of the full documentation. I am well versed in the Fair Credit Billing Act ( FCBA ) and will not hesitate to escalate this matter and file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Office of the Comptroller of the Currency ( OCC ) unless this can be resolved in a most expeditious matter. I have spoken with several persons within the fraud department and they all say that since I DID NOT lose my credit card and the chip can not be duplicated, I am liable for the {$30000.00}. They seem unable to realize that technologies and processes exist out there that criminals may use to access EVERYTHING with regards to a consumers credit card. I asked Capital One if they have a XXXX LIABILITY policy on a recorded line and they said YES. I also told them that based on their opinion, the incident that occurred to me with these charges is evidence of gaping hole in Capital One 's credit card security measures and for the safety of the Company, this incident needs to be looked at by the highest authorities within the company. I have filed an Identity Theft Report with the FTC and currently searching for a Consumer Protection Attorney to begin legal proceedings. Cheers, XXXX XXXX

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

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 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
When filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), it is important to be extremely clear about the " security failure '' specifically that a fraudulent account was opened despite you having a credit freeze in place. This highlights a violation of the Fair Credit Reporting Act ( FCRA ). Here is a formal draft you can copy and paste into the CFPBs online complaint portal under the " Describe what happened '' CFPB Complaint : Description of Issue Identity Theft Dispute Date ( s ) of Breaches : XX/XX/XXXX & XX/XX/XXXX I am writing to report a significant failure by the credit reporting agencies to protect my personal information and honor active security protocols. My Social Security Number and other identifying information were compromised in the data breaches involving XXXX XXXX and XXXX ( specifically noted on XX/XX/XXXX, and XX/XX/XXXX ). Following these breaches, I took the proactive step of placing a security freeze and a fraud alert on all three of my credit reports. Despite these active protections, a fraudulent account was recently opened in my name : Creditor Name : XXXX XXXX XXXX XXXX LVN FUNDING Resurgent Account Number '' Unknown '' Amount XXXX Date Opened:XXXX I did not apply for, authorize, or open this card. The fact that this account was opened while my credit was frozen indicates a failure in the credit bureaus ' security systems. I have already contacted the creditor and the bureaus to dispute this, but the account remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I took a title loan out on my XXXX XXXX XXXX XXXX from TitleMax, I made my payments faithfully for nine months ranging over {$9000.00} and when I missed that payment, they put my car up for repossession, I let them know that I am a veteran and XXXX. Also, I have been trying to work with them to get a lower amount to take my car out of repossession, but they would not take anything under {$4000.00} they increased my annual rate to 152 % interest on every payment which only went into their pockets and not towards the payment of my vehicle, they then tried multiple times to disable my vehicle remotely and after the car was recently repaired, they stole it from a XXXX parking lot after their normal business hours, broke into my vehicle to retrieve the things, damaging the car and other items, while the representative at TitleMax said that they would not do that and since I had the key, they would wait for me to open and unlock the doors, but they have been trying to rush my car to auction to be sold. They have given me nothing in writing and have sent nothing to my address or via email correspondence. I have sent out multiple emails in my correspondence, but they have not returned or answered any of the messages. I have called multiple times to get the email address and information from them which they will not respond unless I call and then they give me the runaround again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Bank , N.A . has engaged in 13+ years of intentional mortgage servicing fraud and systemic violations on my loan # XXXX, causing over {$39000.00} in direct financial harm and my permanent XXXX. This is not isolated error it is a deliberate pattern that continued even after I won a partial mediation concession on XX/XX/XXXX, XXXXThe core misconduct rests on three undeniable XXXX XXXX Assignment Loss of Standing : On XX/XX/XXXX ( recorded XX/XX/XXXX ), Wells Fargo assigned the entire mortgage ( note and lien ) to XXXX as nominee, divesting itself of ownership rights. Despite this, Wells Fargo continued unauthorized collection, added fees, and filed foreclosure XXXX XXXX XXXX XXXX on XX/XX/XXXX ( later withdrawn ). This constitutes fraud on the court. Dual-Tracking : Wells Fargo accepted trial modification payments starting XX/XX/XXXX ( {$390.00} ), yet sent a default notice on XX/XX/XXXX, and filed foreclosure while the modification was under review. The case was suspended XX/XX/XXXX, and modified XX/XX/XXXX. This violated CFPB Rule 1024.41. XXXX Loan Buyout from Pool Double Payment : On XX/XX/XXXX, Wells Fargo accepted a full payoff of {$90000.00} ( LOAN BUYOUT FROM POOL ), but kept the account open and assessed $ XXXX in unauthorized fees afterward. Additional violations include : Capitalized {$6200.00} in undisclosed fees in the XXXX modification without notice ( RESPA 2605 ( g ) ). Misapplied {$3300.00} of the XXXX HUD Partial Claim ( admitted XX/XX/XXXX ; denied in XX/XX/XXXX and XX/XX/XXXX responses ). Omitted {$47000.00} in HUD liens from the XX/XX/XXXX payoff quote ( RESPA 2609 ). Bad-faith denials and refusal to provide written breakdown of the admitted XXXX errors ( RESPA 2605 ( e ) ).

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 2026-03-03 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: TX

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 i

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing the reporting of 90, 150, and 180-day delinquencies on my federal student loan accounts for XXXX through XX/XX/year>, when the loans were serviced by DEPT OF ED/Nelnet . In early XXXX, I experienced sudden employment separation. My final paycheck dated XX/XX/year> reflects net pay of {$310.00}, confirming the loss of stable income during that period. During this time, I was preparing to resume my XXXX enrollment and was independently working on my XXXX in anticipation of re-registering for coursework later in XXXX. My academic transcript confirms my continued XXXXXXXX progress and subsequent enrollment in XXXX XXXX. I did not intentionally default and reasonably believed that hardship protections or available deferment or forbearance options would apply given my documented financial hardship and ongoing academic progression. On XX/XX/year>, the account was placed into administrative forbearance and I was informed that payments were not required. Shortly thereafter, the loans transitioned to a new servicer in XX/XX/year> and are now reflected in deferred status through XXXX. The timing of severe delinquency reporting immediately prior to administrative forbearance and servicer transition raises concerns regarding whether hardship protections were properly considered or applied. Reporting 90180 day delinquencies under these documented hardship and servicing transition circumstances is inequitable and does not accurately reflect the broader account context. I respectfully request a reasonable investigation into whether hardship or deferment protections should have been applied during XXXX through XX/XX/year> and whether the reporting of severe delinquencies was appropriate given the subsequent administrative forbearance and deferment status. If hardship or account protections were warranted, I request removal of the 90, 150, and 180-day delinquency entries and correction of the payment history accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Truist Bank regarding unauthorized and repeated force debits from my ( account # XXXX ), that have left me stranded, stressed, and at risk of serious consequences. On XX/XX/year>, Truist force-debited my account without warning, zeroing out funds that were meant to cover essential obligations. This is despite me having an agreed-upon payment plan with the bank, established on XX/XX/year>. Previously this same occurrence has happened numerous times I have been patient, cooperative, and communicative with Truist representatives, yet the bank continues to withdraw money randomly, including at critical times just before rent is due. This repeated behavior has caused : Severe financial XXXX and XXXX Risk of legal action from my landlord and other financial institutions due to delayed rent and payments. Forced use of cash reserves that were meant to keep my business operational Feelings of helplessness, frustration, and loss of control over my finances Truist has repeatedly told me these withdrawals are not a bank error and refused to reverse them, despite clear documentation of my payment plan. Each one of the representatives I have spoken to have been extremely unprofessional and very rude, most of which work from a home based environment with background noise and distractions mid call. This is completely unacceptable. A bank can not continue to withdraw funds at its own discretion, ignoring agreed-upon plans, and jeopardize a customers financial stability.

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 2026-03-03 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: VA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase charged " {$12.00} Deposit Item Returned Fee '' on XX/XX/year> which CFPB has deemed unfair here : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am filing this complaint regarding debt collection activity associated with an alleged XXXX XXXX account originally issued by XXXX XXXX XXXX XXXX. The account is now being represented as owned by LVNV Funding LLC and serviced by Resurgent Capital Services. I dispute this alleged debt and have requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically, I requested documentation demonstrating : The identity of the current creditor The chain of title showing transfer of the alleged account from the original creditor to the current owner Documentation demonstrating that the entity attempting to collect has the legal authority to collect the alleged debt Debt buyers frequently purchase portfolios of accounts but do not possess account-level documentation demonstrating lawful ownership or assignment. Without such documentation, representing that a consumer owes a debt or attempting to collect may misrepresent the legal status of the debt. Additionally, I have notified the collector that telephone calls, text messages, and postal mail communications are inconvenient and that all communication must occur via email. My concerns are as follows : 1. The collector has not yet demonstrated that LVNV Funding LLC is the lawful owner of the alleged debt. 2. The collector has not provided documentation establishing a complete chain of title from the original creditor to the current alleged owner. 3. The collector has not provided documentation establishing its authority to collect on behalf of the alleged creditor. I am requesting that the CFPB require the company to provide proper validation of the alleged debt and documentation establishing ownership and authority to collect. If the company can not substantiate the alleged debt with proper documentation, I request that the company cease collection activity and refrain from furnishing or continuing to furnish the account to any consumer reporting agencies If the alleged debt was acquired as part of a bulk portfolio purchase, please produce the account-level transfer data identifying my account within the purchase file associated with the sale. Generic portfolio-level documentation that does not identify my specific account will not constitute validation.

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

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 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I ported my numbers from XXXX XXXX to XXXX XXXX XXXX. During the transfer, XXXX phone lines were left active in error by XXXX XXXX. I contacted XXXX to have the billing error corrected several times, and was denied access to the final phone bill. The complaint was escalated an during that time, XXXX agreed to accept payments until it was corrected. Shortly after, in XXXX of XXXX, I received a collection communication from Diversified Adjustment Services. They were explained the situation and sent a do-not-contact letter. On XX/XX/XXXX, I received a text message from Diversified Adjustments Services. I called them and explained to them about the do-not-call request, and they claimed they never had my account. The customer service representative said they do not report to credit reports, but just do collections. I have again verbally requested a do-not-contact for this company until XXXX resolves the account issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to get Capital One to update my legal name for multiple years. I had a legal name change with a court order in XXXX and they refuse to help me over the phone. Additionally, I have mailed in the FULL details requested per their website with ZERO response via mail or email or phone. I called requesting the status or planned time to change and they said they would not honor the name change. They have been EXTREMELY combative and I believe this to have been because I am XXXX. I believe I have been facing discrimination and I believe it is wrong. Phone calls between XXXX and XXXX at various times. Mailed Documents : XX/XX/XXXX Legal Name change : XX/XX/XXXX Name legally changed on other banking, federal documents, and state documents all in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have three collection accounts from LVNV Funding LLC reporting on XXXX XXXX XXXX XXXX. I requested debt validation from LVNV Funding LLC multiple times and no validation was provided. I disputed these accounts with all three credit bureaus and the accounts were verified anyway. The accounts continue to be reported without proper validation or documentation. I am requesting deletion of the inaccurate and unverified information. I requested from the credit bureau and was told validation was verified, I was only sent copies of credit card statements. I never received how LVNV acquired the debi.Every attempt I received incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase is charging foreign transaction fees on a card that is not supposed to incur these charges. I have attached two documents. One shows the promotional materials for my card, along with the card I received. The second one shows where I was charged a foreign transaction fee, in direct conflict with what the promotional material states. The company told me that I was mistaken, thus my inquiry to the CFPB. I would like to know how this card is still charging foreign transaction fees when clearly the marketing material says that it does NOT.

Company response to consumer: Closed with monetary relief