vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
CAPITAL ONE BANK USA XXXX opened XX/XX/year> Balance- {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Company Name : American Express Product : Credit Card Issue : Customer Service/ Misrepresentation / Failure to Honor Promotional Offers Desired Resolution : Fair financial credit and corrective action Complaint Description : I am submitting this complaint regarding a prolonged and unresolved customer service matter with American Express related to my inability to activate or access promotional offers on my credit card account. Over the course of this issue, I spent approximately XXXX hours communicating with multiple customer service representatives via online chat. The matter should have been straightforward. However, instead of receiving consistent and accurate assistance, I was repeatedly given conflicting explanations and incorrect information about why the offers were unavailable and what steps were required to resolve the issue. During these interactions : I was transferred multiple times without resolution. Representatives attempted to escalate the matter but claimed they were unable to connect me to a supervisor due to internal system limitations. I was told to return after a specified time period, only to encounter the same unresolved issue. I received explanations that later proved to be inaccurate or incomplete. This pattern of misinformation and delay significantly increased the time required to address what should have been a routine account matter. The experience caused unnecessary inconvenience and frustration. After investing several hours attempting to resolve this issue, I was offered only a minimal courtesy credit that did not reasonably reflect the time spent, the inconvenience endured, or the lack of professional service. Given American Expresss branding as a premium financial services provider with a strong reputation for customer service, this experience fell well below reasonable expectations. I believe the company failed to : XXXX. Provide accurate and consistent information. XXXX. Offer timely and effective escalation to supervisory staff. XXXX. Resolve the issue within a reasonable timeframe. XXXX. Provide adequate remediation proportional to the service failure. XXXX. Provide advance notification regarding new discount offers ending. I am requesting that American Express : XXXX a review of the customer service interactions related to my account. Provide a fair and reasonable financial credit to compensate for the time and inconvenience caused. Ensure internal training and escalation procedures are improved to prevent similar issues for other customers. I am submitting this complaint so that this matter can be reviewed formally and addressed appropriately. I intended to include the chat transcripts but AmEx prevented me from accessing them on my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a hard inquiry for a request for a well Fargo credit card in XXXX XXXX that I did not make myself. I would like to dispute this and report possible theft.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
I received summons back in XX/XX/year>. Summons was not made to me directly. I sent responses letter back to the attorneys office. Informed him they had talk to third parties about my debt to cease all communication with third parties and only contact me by mail. I provided them with my current address. XXXX ( XXXX ) XXXX Notice XXXX to 15 U.S.C. 1692g ( b ) and applicable Georgia law, you are required to provide written validation, including : ( XXXX ) proof that I am legally responsible for the alleged debt ; ( XXXX ) the name and address of the original creditor ; ( XXXX ) a complete itemization of the alleged debt, including interest and fees ; ( XXXX ) a copy of any written Agreement and or contract bearing my authentic signature; and ( XXXX ) documentation establishing your legal authority to collect, including assignment or complete chain of title. You are provided XXXX ( XXXX ) days from receipt of this correspondence to provide the requested validation. Until such validation is provided, you may not lawfully continue collection activity, including credit reporting. Failure to validate may constitute violations of 15U.S.C. 1692e, 1692f, and 1692g. Since the matter is being pursued by law firm or under attorney letterhead I asked the attorney confirm in writing that he or she had engaged in meaningful review prior to initiating collection. Or they would be in violation of 15 U.S.C 1692e. After all this I was once again on XX/XX/XXXX contacted that they had served papers to the wrong address. And released information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally placing Jefferson Capital Systems on notice regarding both debt validation requirements under the FDCPA and accuracy obligations under the FCRA. Attached is my validation request letter, which demands the specific documents required to validate the alleged debt, including : The original signed contract or agreement, A full itemized account history, Documentation showing Jefferson Capital Systems owns the debt, with purchase or assignment records, The name and address of the original creditor, and Any prior communications or validation notices, as required under 15 U.S.C. 1692g ( a ). In addition, I am challenging the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). To properly verify the reported information, I have requested : The Date of First Delinquency ( DOFD ) based on original creditor records, The charge-off date, The date of acquisition or assignment, with supporting documentation, The complete internal data set currently maintained for this account, and The procedures used to verify the account if a prior dispute was recorded. This single submission is designed to consolidate both obligationsvalidation and verificationunder one formal record. I respectfully request that all ten items listed in the attached letter be addressed completely and without omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: DE

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I am filing a complaint against Source Receivables Management regarding improper debt collection and credit reporting practices. Source Receivables Management is reporting a debt on my credit report ; however, they have not identified the original creditor they are collecting for. I have not received any written notice of the debt, nor have I received the required validation notice informing me of my right to dispute the debt within 30 days. To date, I have not received : The name of the original creditor The amount of the alleged debt with an itemization Documentation proving I owe this debt Notice of my right to dispute the debt This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send a written validation notice within five days of initial communication. Reporting a debt to credit bureaus without first providing proper notice and an opportunity to dispute is unfair and harmful to my credit. I am requesting that Source Receivables Management : Provide full written validation of the alleged debt, including the name of the original creditor and proof of my legal obligation. Cease reporting this account to credit bureaus until proper validation is provided. Remove the account entirely from my credit report if they can not provide proper documentation. I would like this matter investigated and corrected immediately. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/year>, my mortgage servicer incorrectly classified {$30.00} of accrued interest as a Deferred HELOC Short Payment fee. I was not provided a date-specific calculation or documentation showing how this amount was derived. On XX/XX/year>, I made a {$30.00} payment to resolve the issue. The servicer misapplied this payment as a principal-only payment instead of applying it to the deferred amount. Because the deferred balance remained unpaid due to this misapplication, the servicers system placed a restriction on my account that prevented principal-only payments from being submitted online. I contacted the servicer multiple times between XX/XX/XXXX and XX/XX/year>. Representatives acknowledged the issue but could not provide documentation explaining the origin of the {$30.00}. A research request was opened, and I was later informed that the amount represented deferred interest carried during servicing transfer. The servicer has since admitted in writing that : The {$30.00} represented deferred interest. My XX/XX/XXXX payment was misapplied. A system restriction was placed that blocked principal-only payments. The payment was later reversed and reposted. Internal audit adjustments totaling {$220.00} were posted and reversed. Although the account was eventually corrected, the servicing error resulted in : Temporary loss of access to principal-only payment functionality Delay in reducing principal on a high-interest HELOC Multiple calls and written disputes to resolve the issue Time and financial stress caused by the payment restriction The servicer declined to provide certain internal documentation, citing proprietary audit logs, and denied any monetary compensation despite acknowledging servicing errors. If a borrower is short or late by even a small amount, servicers immediately assess interest and fees. In this case, the servicers admitted error caused system restrictions and misapplication of payments, yet no redress has been offered. I am requesting regulatory review and appropriate monetary compensation for the documented servicing errors and the delay in principal reduction opportunity.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi closed my business checking account within I deposited a large amount cashier check issued by my other company. I did state I could provide the issuer bank statement with stamp and any other supporting documents. Citi manager and phone rep did not want accept any explanation or document. I have waited more than XXXX days for closing processing. Then Citi customer service stated there is nothing left at my account and no closed out check will be issued to me.

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 monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against : Bank of America I am submitting this complaint regarding three Bank of America credit card accounts ending in XXXX. In XX/XX/XXXX and XX/XX/XXXX, I scheduled payments through the Bank of America mobile app using their internal bill pay feature. The app reflected the payments as scheduled and provided confirmation. However, the payments never processed. When I contacted Bank of America to investigate, I was informed that the mobile bill pay system no longer supports payments to Bank of America credit cards. At the time I scheduled the payments, the mobile app bill pay allowed me to submit them, provided confirmation, and gave no indication that the payments would not process. There were no error messages, warnings, or notices within the app advising that this payment method was unsupported. Even the representative assisting me was unaware of this system change. As a result, my accounts were reported as XXXX days late. These late payments are the only delinquencies in my otherwise perfect payment history with Bank of America. The reporting may be technically accurate in that the payment did not post, but the failure was due to a system change that was not properly communicated. I relied in good faith on the Bank of America mobile app confirmation that payments were scheduled. I have since brought all accounts current and enrolled in automatic payments through their new system to prevent any future issues. I respectfully request that Bank of America review these late payment notations and consider removing them as a goodwill adjustment due to the circumstances involving their system change and lack of clear notice. I am not disputing the balance owed. I am requesting equitable reconsideration of the late reporting caused by reliance on their mobile payment system.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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:
Through this CFPB complaint, I am formally placing LVNV Funding LLC c/o Resurgent Capital Services on notice regarding both debt validation requirements under the FDCPA and accuracy obligations under the FCRA. Attached is my validation request letter, which demands the specific documents required to validate the alleged debt, including : The original signed contract or agreement, A full itemized account history, Documentation showing LVNV Funding LLC c/o Resurgent Capital Services owns the debt, with purchase or assignment records, The name and address of the original creditor, and Any prior communications or validation notices, as required under 15 U.S.C. 1692g ( a ). In addition, I am challenging the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). To properly verify the reported information, I have requested : The Date of First Delinquency ( DOFD ) based on original creditor records, The charge-off date, The date of acquisition or assignment, with supporting documentation, The complete internal data set currently maintained for this account, and The procedures used to verify the account if a prior dispute was recorded. This single submission is designed to consolidate both obligationsvalidation and verificationunder one formal record. I respectfully request that all ten items listed in the attached letter be addressed completely and without omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
I used First Data as my payment processor. I was testing my own processor with my debit card for roughly {$200.00}. I was testing refunds. I let the {$200.00} move tough first data rather than refund and the froze my account. This was XX/XX/XXXX. Their customer service said that it was flagged for fraud and I would have to wait a XXXX to claim the funds from the state of Arkansas. XXXX waited over a XXXX and first data still refuses to send me my money. XXXX called XXXX times and they say a XXXX will return my call which they never do. My first customer support ticket XXXX is : XXXX I last spoke to them XX/XX/XXXX and confirmed they still have my fund. They did not release them to Arkansas as unclaimed forgotten funds ( which XXXX absolutely not forgot and XXXX been trying to claim for over a XXXX!!!!! ) My debit card funds and my merchant account that holds those funds. XXXX totally locked out of my account since and they refused to refund my debt card.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting a complaint regarding JPMorgan Chase Bank and the unauthorized cancellation of my automatic payment. While updating automatic payments for other properties, I did NOT authorize the cancellation of the automatic payment for my condominium association. However, Chase canceled this automatic payment without my consent and without notifying me. As a direct result of this cancellation, XXXX XXXX XXXX did not receive payments for XXXX months. My account has now been referred to legal counsel, and I am facing late fees and legal costs. I contacted Chase and filed a formal complaint ( XXXX XXXX XXXX ). During subsequent calls, I was transferred multiple times and ultimately treated in an unprofessional and aggressive manner. I was told that no further action would be taken.

Company response to consumer: Closed with explanation