vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The Debt in the amount of {$1300.00} from XXXX XXXX XXXX XXXX ( XXXX ) is now under a third party collection, Credit Collection Services. XXXX XXXX went up on my insurance for XXXX cars from which I thought was ridiculous so I purchased insurance from somewhere else but they still charge me {$1300.00}. We had no accidents, no tickets so why was my insurance going up quadruple the amount. When I first noticed it on my credit report, I contacted XXXX first and got no where and I disputed it from XXXX XXXX and they came back quickly with " no changes made. '' That's where I believe they didn't do anything to justify this error. It's been on my report since 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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a bus driver, and I stopped into my bank and spoke to one of the representatives about my account. I told the representative that I was going on a trip and he was explaining to me that I could increase the balance of my credit card. I added {$2800.00} to my credit balance, but then found out from the company that I cant do this with a secured card only a regular credit card. But it is a secured credit card. So in taking my trip, I was limited to only my credit limit of the amount of money that I could spend. Then when I spoke to the bank about it, they told me I could not increase the limit because it was a secured card so the balance of my money is sitting in the account and I cant use it. They told me I can request a refund and I put in a request for a refund and they told me it would take 10 business days. Its almost at the 10th day I called in to get an update on my account and my account is under review and I was told that it will take another 10 days before I can receive my check. I am a XXXX XXXX. I make very good money and the bank is holding my money and I dont know what the reason is. This is why I am following a complaint against capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Hello, Carrington Mortgage XXXX failed to properly notify me of a mortgage transfer after my previous servicer sold my loan. I received no certified notice or welcome packet. Because I had no documentation, the first calls from XXXX were unfamiliar, and I did not recognize them as legitimate mortgage notifications, creating a reasonable misunderstanding. I discovered payments werent being withdrawn only when my bank balance appeared unusually high. After contacting my previous servicer, I confirmed the loan had been transferred to XXXX and paid the mortgage in full immediately. I contacted XXXX seeking resolution. They agreed to send a welcome letter and call log but refused to correct the resulting credit reporting issues, despite their procedural failure being the cause. This refusal exposes me to negative credit reporting and financial harm, despite my immediate payment once I discovered the issue. My credit history was near-perfect prior to this issue, and Carringtons failure has unnecessarily jeopardized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I turned XXXX in XX/XX/XXXX. A XXXX XXXX monthly fee began charging to my checking account that month, increasing to $ XXXX in XX/XX/XXXX. No other transactions were on this account. The fees totaled {$75.00} and overdrew my balance to - {$0.00} in XX/XX/XXXX. I called on XX/XX/XXXX to request a full refund of the maintenance fees. I told them that I did not receive a notification that my account was charging fees. When I opened my account, the maintenance fee was waived due to my age. The rep claimed an account notice was sent in XXXX or XXXX -- I asked for a specific date but they were not able to provide XXXX. I found XXXX email from XX/XX/XXXX titled 'Everyday Checking is changing ' but the subject line doesn't mention fees, and it was sent alongside multiple promotional emails the same week. Based on the subject line in the email, it was indistinguishable from a marketing email. The only account alert I received was on XX/XX/XXXX notifying me my balance was already negative XXXX months after maintenance fees had started. Wells Fargo sent dozens of promotional emails in this period but made no clear effort to communicate a new recurring maintenance fee. The rep refunded only {$10.00} of the {$75.00} charged to me in maintenance fees. Under the Truth in Savings Act ( Regulation XXXX, XXXX XXXX XXXX ), Wells Fargo is required to provide clear and conspicuous advance notice of changes that adversely affect consumers, such as new fees. The only possible notice an email titled 'Everyday Checking is changing ' on XX/XX/XXXX did not clearly state a fee was being imposed. It was indistinguishable from the dozens of promotional emails Wells Fargo sends monthly. This does not meet the 'clearly and conspicuous ' standard required by federal law.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding how Chase Bank handled my ACH dispute involving a {$790.00} transaction from XXXX I initially disputed this transaction with Chase Bank on the basis that the charge was not valid as billed. While Chase issued a provisional credit, they later reversed that credit after determining the transaction was authorized. The issue is not authorization alone. The issue is that the merchant did not deliver the contracted services and misrepresented what was provided. XXXX claims that services began immediately and were delivered. However : No functional website, system, or usable service was implemented No completed deliverables were provided No meaningful service capable of generating patient communication or business value was operational The only action taken was insertion of a chatbot-style line of code into third-party platforms ( XXXX / XXXX ) XXXX which does not constitute delivery of contracted services The merchant is using minimal or non-functional setup activity to justify full contractual obligation under a XXXX agreement Additionally, there were representations made during the sales process implying integration and performance with platforms such as XXXX and XXXX that were misleading and not XXXX of actual service delivery. Chase evaluated this dispute strictly on authorization and did not evaluate whether services were actually delivered as represented. This creates a situation where a consumer can be locked into long-term financial obligation despite lack of functional service delivery. I am requesting : A reinvestigation of this transaction under the category of services not rendered / misrepresentation Review of the merchants claims of service delivery versus actual functional implementation Guidance on how to prevent further unauthorized or misrepresented XXXX debits from this merchant Assistance in ensuring I am not held financially liable for services that were not actually delivered This complaint is not about whether I signed an agreement. It is about whether the merchant fulfilled the obligations tied to that agreement in a meaningful and functional way. At this time, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: VA

Complaint narrative:
I have received several harassing phone calls from XXXX XXXX XXXX XXXX XXXX XXXX regarding a debt collection. On XX/XX/XXXX at XXXX, a particularly rude representative contacted me about the alleged debt. When I requested the original contract, an itemized bill, or any form of proof supporting the debt, they refused, stating such documentation was not available. I explained that I was uncomfortable making a payment over the phone without receiving an itemized bill or a signed contract confirming my obligation. Again, I was told they could not provide any documentation. My understanding is that, by law, they are required to supply this information or at least send a letter validating the debt. To date, I have not received any written communication from them. During our conversation, the representative became angry and threatened that the debt would appear on my credit report if I did not pay, repeatedly shouting " DOUBTFUL. '' I feel genuinely harassed and threatened by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
In XX/XX/year>, my debit card was stolen in transit through the mail before I ever received it. I never activated, possessed, or used the card at any time. Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions were made on my account totaling {$5700.00}. These transactions included large transfers such as {$3000.00} sent via XXXX XXXX on XX/XX/year>, multiple transfers to XX/XX/XXXX accounts ( including {$1000.00} on XX/XX/year> ), as well as numerous point-of-sale purchases at various merchants. I did not authorize any of these transactions, did not benefit from them, and was not in possession of the card when they occurred. Upon discovering the unauthorized activity, I promptly reported the fraud to Netspend and filed a dispute. Netspend conducted an investigation and denied my claim, stating there was no pattern indicating fraud, no evidence of account compromise, and no evidence of device compromise. However, these reasons are insufficient and fail to address the key fact that the card was stolen before I received it. A card that was never received or activated by the consumer can not be used to authorize transactions. The transactions also show clear indicators of fraud, including rapid spending across multiple locations, inconsistent purchasing behavior, and large transfers to third-party platforms. I requested a reinvestigation and provisional credit under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, but my concerns were not properly addressed. I believe Netspend failed to conduct a reasonable investigation as required by federal law and improperly denied my claim for unauthorized transactions. I am seeking reversal of the denial, a proper investigation, and reimbursement of the {$5700.00} in unauthorized transactions.

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
my vehicle was repossessed after my payment was approximately XXXX days late. Prior to the repossession, I was not given sufficient notice or an opportunity to bring the account current.I am requesting that the company provide a detailed statement of the remaining balance, including how the amount was calculated, any fees added, and information about the sale of the vehicle. I would also like the company to review whether the repossession was conducted appropriately given how shortly the payment was overdue. I have kept records of my communications and am seeking a fair and transparent resolution to this issue. american credit was the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, and I am writing in regard to my XXXX credit card account. At the beginning of XXXX, I logged into my account expecting a remaining balance of approximately {$170.00}, after having already made a {$100.00} payment earlier that month. However, I was surprised to see that my balance had increased to around {$800.00}. After reviewing my statement, I noticed that a {$120.00} returned payment fee had been applied XXXX separate times, totaling {$720.00}. I immediately contacted customer service and was told that an automatic payment was attempted multiple times due to insufficient funds, and that each attempt resulted in a returned payment fee. I find it concerning that the same payment was repeatedly attempted, resulting in multiple fees being charged in such a short period. This seems excessive and does not align with what I understood from the terms and conditions. I am formally requesting a full review of these charges, a reversal of the duplicate returned payment fees, and a clear explanation of how these fees were applied. Please treat this as a formal dispute. I appreciate your prompt attention to this matter and look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Hello, my information was expose by the data breach and my Identity was compromised and I have some fraudulent accounts on my credit report that need to be block and delete immediately. I have the account listed. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I need these off my credit file immediately. 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 explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was selling an item on XXXX and was contacted by a scammer who sent me a fraudulent payment link. I was told I needed to enter my card information to receive payment. I was deceived into entering my information, which resulted in unauthorized charges totaling {$1200.00} from merchants I do not recognize. I reported the issue to Chime on XX/XX/year>, and submitted evidence including screenshots, the fraudulent link, and proof of reporting the scam. Despite this, Chime denied my claim, stating the transactions were authorized based on device and login data, without properly considering that I was misled and did not intend to make any payments. I am requesting a full reimbursement and a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
This complaint involves a fraudulent rental debt resulting from identity theft. I did not apply for, authorize, or sign any lease agreement associated with this account. I have never lived at the property and have no connection to the lease. I have filed a police report confirming that I am a XXXX XXXX XXXX XXXX. I contacted the apartment management company multiple times to resolve this issue. Initially, I was told that documentation had been sent internally and that it would be handled. However, when I followed up, the individual they claimed had the documentation confirmed that she had not received anything. After that, the management contradicted their prior statements and admitted that no documentation existed. Despite being notified of the identity theft, they refused to investigate, correct the account, or provide documentation confirming that the account is fraudulent. Their final response was that they are unable to assist and directed me to the collection agency. I also contacted the collection agency, and they confirmed multiple times that they can not take any action without documentation from the apartment management confirming that the account is fraudulent. As a result, I am being held responsible for a debt I did not create, and I am unable to resolve it because the apartment management refuses to cooperate or correct the error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX VIA CERTIFIED MAIL : RE : FORMAL DISPUTE & DEMAND FOR ACCOUNT RECONCILIATION Account Number : XXXX To the Billing Department, I am writing to formally dispute the current balance of {$960.00} and the " Past Due '' amount of {$270.00} listed on my account as of XX/XX/year>. My records, supported by bank statements and a personal payment ledger, show a total of {$810.00} in successful paymentsnearly the entire original principal balanceyet your records fail to reflect this accurately. I am disputing this account on the following grounds : Contradictory Billing Information : On XX/XX/year>, I received two separate communications from XXXX with vastly different figures. An automated email cited a past-due amount of {$110.00}, while your formal XXXX XXXX XXXX and online portal cited {$270.00}. This {$160.00} discrepancy on a single business day is a clear failure in your accounting accuracy. Predatory " Same-Day '' Fees : Your system appears to be assessing late and NSF fees on the same day a payment is cited as due. I am disputing the {$190.00} in cumulative fees. Under Georgia consumer guidelines, assessing penalties before a billing cycle has concluded or while a payment is in processing is considered an unfair billing practice. Incorrect Application of Payments : On XX/XX/year>, your portal incorrectly flagged two payments of {$23.00} as " Missed ''. I have attached bank records proving that multiple payments totaling {$100.00} were successfully processed and cleared on that date. Failure to XXXX XXXX : Despite my {$810.00} in total payments, your ledger shows I still owe more than my original financed amount of {$800.00}. This indicates that payments are being diverted to interest and predatory fees rather than the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I bought merchandise from XXXX ... through my CASHAPP account .. it was to be delivered in XXXX to XXXX days.. I ordered on XX/XX/year> .. still have not received merchandise.. I attempted repeatedly to get in contact with XXXX via email and phone... Both were fictitious or not in service. I reported my dispute to CASHAPP. 2 days later they denied .. stating that the matter had been resolved ... HOW .. I never received merchandise or refund... I believe they did not investigate the matter.. I've been scammed by XXXX and CASHAPP it seems .. I'd prefer to have the merchandise I ordered .. if not a refund is acceptable...

Company response to consumer: Closed with explanation