vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: MO

Complaint narrative:
A {$3100.00} collection has been added to my credit report stating i was a co-signer for my daughters apartment which is incorrect. I have never signed anything nor am i on the lease. She is PRESENTLY living at the apts claiming i owe. this has led to loans being denied for a new business im want to start. i need this rectified ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MI

Complaint narrative:
I received a notification to my credit report from this company Ive never heard from before. After I reached out, I received an email from the gentleman in this email Ive attached stating they sent something via email which was never confirmed received. Ive never received debt validation from this company. They reported to my credit report before proper validation. 6 years later and not reflecting the accurate date so it seems like a new debt on my credit report. This is so many violations. XXXX statute of limitations is 6 years. You can see from the email below he mentions I debt Ive never heard of from XXXX of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
In XXXX of 2025 my identity was stolen and my bank account was depleted. I contacted the bank ( Bank of America ) and started a fraud review process per their instruction. The bank looked into the situation and concurred that fraud had occurred in my account. They then locked up my account to block any further depletion. It also locked me out of any access to my own account. I later made a concession to unblock my account so I could view any further activity. Later individual withdrawals that had occurred during a 3 month period that I stated were not my action were reversed and money was deposited into my account. First on XX/XX/year> for {$15000.00} and the second on XX/XX/year> for {$6000.00}. Just today I found out that those returned monies were not related to insurance coverage by the bank but were being charged to XXXX of my credit cards without my knowledge or approval. And now the bank is pressuring me to pay for those credit card charges that the bank created. XXXX charge for {$6000.00} on XXXX card and XXXX for {$15000.00} on another card. Not only did I loose all the funds in my bank account I am now being required to pay these card charges that the bank created.

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 2026-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
In XXXX over {$1100.00} was garnished and now {$250.00} is being garnished every check to satisfy a school overpayment debt. A third party collector William & Fudge is also trying to collect on the same debt and the student loan department and accounts receivable department at the XXXX XXXX XXXX  are claiming they dont know each other and not providing any info to each other about my debt being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: TN

Complaint narrative:
SUBJECT : RETALIATION & ACCOUNT CLOSURE ( Follow-up to Case # XXXX & # XXXX ) I am filing this formal complaint to report Retaliatory Adverse Action taken by NetSpend/XXXX XXXX in response to my previous CFPB filings ( Case # XXXX and # XXXX ). 

The XXXX : On XX/XX/XXXX, XXXX my investigation into the illegal seizure of funds was activeNetSpend unilaterally CLOSED my Savings Account without my consent or request. ( See attached evidence. 

Why This Is Retaliation : Timing : This closure occurred immediately after I filed federal complaints regarding this specific account, where NetSpend seized {$71.00} on XX/XX/year>. 

Suppression of Evidence : By closing this account, the bank restricts my access to online statements and transaction history, effectively attempting to " bury '' the evidence of the disputed seizure. 

Punitive Intent : I have not violated any terms ; I simply exercised my legal right to dispute a billing error. The bank is using account closure as a weapon to punish me for advocating for my rights. 

Violation of Consumer Rights : Financial institutions are prohibited from taking adverse action against a consumer solely for exercising their rights under the Consumer Financial Protection Act and Regulation E. NetSpends action is punitive, unfair, and deceptive. 

Attachments : I have attached a screenshot of the closure notification received XX/XX/year>.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received XXXX different XXXX  letters from Capital One Bank in XXXX months. Each letter has a different case reference number asking me to verify myself or else my accounts will be closed. I complied. I have verified my contact information to phone reps at the phone number listed in their letters and spoken with XXXX account specialist supervisors over the phone from their main phone number inquiring about why this keeps happening. Both said it won't happen again. I also visited a branch and spoke with a branch manager in XXXX, Texas. At all times I have repeatedly confirmed there have been no changes to my personal info, employment info, etc. and they always say the account has been verified. There has been no transaction-based changes in my deposits or spending patterns in any of my accounts to warrant this type of harassment. I have had a relationship with Capital One since 2017 and have never had to deal with XXXX harassment and account closure threats. No other institutions that I bank with sends these types of letters so frequently. Capital One is egregiously unprofessional and unorganized as it relates to documenting my XXXX  verifications and no one ever has a record of the last verification or conversation. It's a circus, being put on hold, being transferred, being lied to about profile documentation. XXXX phone rep deceptively gave me false information stating the XXXX letter was a part of a replacement credit card kit for XXXX of my credit cards that was expiring soon. I have filed XXXX internal complaints with them about their harassing practices. My accounts are in excellent standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr Cooper took over our XXXX XXXX mortgage in XX/XX/XXXX. They had sent a check in XXXX as over payment .We had signed a FHA tax escrow option election in XXXX with XXXX XXXX to have our city property tax to be paid in full XX/XX/XXXX of the year, we live in WI. I went to get a receipt from the city to find out they only paid XXXX and plan on paying the other XXXX in XXXX. I talked to a Supervisor after trying to understand why they had made these changes now waiting my XXXX week. Now because they sent a check as over payment my escrow will be short and my husband and I are XXXX and we have to come up with the short amount and still try and get them to pay the balance owed so we can file our taxes this yr. My husband is a XXXX XXXX XXXX XXXX  and we file to receive our taxes returned but now we can't untill they are paid in full and this mess is cleared up. They need to honor our original contract but instead I spent XXXX calls with them telling me it's my local city property tax that's the issue. Now wait to hear back from the Supervisor in a week. We lived in this house in WI with a mortgage for over XXXX some years now this company takes over and we sit her fitting to get our taxes paid in a timely matter. We also need to come up with the money they felt wasn't needed in our escrow because they chose on their own when to pay my property tax instead of following my contract. I did also speak to XXXX XXXX and they said I did choose the option to have taxes paid in XXXX payment on the FHA contract in XXXX. Please can you help us get this resolved and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: AK

Complaint narrative:
I contacted Zion once seen on my credit report informed them it was fraud and provided the police report and they still are trying to in force payment and are very aggressive and disrespectful with threats I just want them to understand its fraud and take the time out to do there research

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Initially, I received a XXXX XXXX notice both audio & visual with a toll free number to call ( XXXX ) XXXX. Someone took the call, identified himself as XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
He had me load remote host software called XXXX and proceeded to do a scan for hackers which I saw on my laptop screen. He asked me to read a description shown which was a list of XXXX so called hacker 's address '. He noted that my Chase Bank account, in particular, had been hacked and then transferred me to XXXX XXXX XXXX who represented himself as being with Chase Bank. XXXX XXXX gave me a Chase employee number which I've since learned is not something given by XXXX XXXX employees. XXXX XXXX 
XXXX told me thata debit was pending for {$18000.00} which he claimed was approved by a Chase XXXX call at XXXX am XXXX XXXX to verify the debit. I did NOT receive any XXXX call from Chase and did NOT approve such a debit. I asked how I could stop/resolve the illegal debit. He initially said it could NOT be stopped but put me on hold and said his supervisor said I should go to the bank and have a " duplicate debit '' sent to a XXXX XXXXXXXX XXXX account that is used by the Federal Reserve. The account & routing numbers are : XXXX & XXXX. Chase Bank 's wire research dept has been notified and will attempt to recall the funds. The name given for the XXXX XXXXXXXX XXXX  account holder is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX XXXX had me text him screen shots of the bank wire info. That text & phone number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Bought a XXXX at Mattress firm & the store encouraged me to buy through the synchrony bank credit card. 
The card came with a XXXX month promotional offer of deferred interest & i was completely unaware of this. 
I have complete record of paying minimum balance every month ( XXXX XXXX ) since XX/XX/year> until date. 
I was initially able to access my credit card account but got frozen out because of a system change/ portal access change from synchrony. 
No notification nothing, just a monthly email saying my Balance is XXXX & receipt of my payment which is on autopay. 
Now the bank has charged XXXX XXXX on my account since XXXX & it is doubled my balance. I still can not access my account & the interest is adding on with no notification or email.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing a collection account reported by Genesis/XXXX  for alleged move-out damages for a rental unit I vacated in XX/XX/XXXX. I did not pay a security deposit, and I never received a notice, billing statement, or itemized list of damages within 30 days of move-out, as required by Texas Property Code 92.104. The first contact regarding this alleged balance occurred on XX/XX/XXXX. 

At move-out, I returned the keys on time and was not advised of any damages, charges, or outstanding balance. To date, I have not received any documentation supporting these charges, including move-in or move-out inspection reports, itemized statements, or proof that I was sent notice. 

Because Genesis/XXXX  failed to provide timely notice or documentation, I dispute the validity and accuracy of this account. I request that CFPB investigate and ensure the companies remove or correct this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint Description ( What happened? ) I paid {$50.00} to XXXX XXXX XXXX XXXX XXXX on XX/XX/year> at XXXX PM for a XXXX that was advertised and sold to me in advance. After the payment was processed, the tour was never provided. I attempted to receive the service as agreed, but the company did not deliver the XXXX  and did not provide a replacement, reschedule, or refund. As of today, I have not received the service I paid for, nor have I received a refund or a satisfactory explanation for the non-delivery of the tour. 

XXXX XXXX XXXX ( What would be a fair resolution? ) I am requesting a full refund of {$50.00} for the tour that was paid for but never provided. If the company is unable to issue a refund, I request written confirmation explaining why the service was not delivered and what steps, if any, they will take to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
P portfolio recovery associates through the attorney XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  seized {$200.00} out of my bank account. Theyre claiming they have a civil suit against me for a XXXX XXXX card that is not on my credit report. They made me sign an agreement to release the hold on my bank account and I was never served for anything like this. According to the civil suit, it is from a XXXX XXXX card. I currently have XXXX revolving XXXX XXXX cards. XXXX XXXX XXXX within the last XXXX weeks has seized {$600.00} from my checking account for a debt. I dont have any knowledge of. Portfolio recovery associates claims they attempted to serve me at an address. I dont even live at I have contacted legal aid and do not qualify. The card they are claiming I owe money on is from XXXX. They are claiming they have attempted to collect the debt since XXXX. I have never been served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
My Money Network payroll card is blocked, and I can not access my wages. 
The automated phone system hangs up and does not allow me to reach a live agent. 
Online access is also blocked even though I receive two-factor authentication codes. 

I am unable to complete automated verification because I do not have all requested information, and customer service refuses to provide manual verification. 

This is my payroll card, and I am being denied access to my earned wages. 
I am requesting immediate manual verification, restoration of access, or issuance of a replacement 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 2026-01-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XXXX, I placed an order on Amazon using my Synchrony credit card for {$620.00}. This order was automatically canceled by Amazon due to suspicious activity. The items were never shipped, and Amazon confirmed that a refund was issued back to the card issuer. Amazon also provided cancellation / refund transaction IDs. I filed a dispute with Synchrony Bank for the {$620.00} transaction. Despite the merchant confirming cancellation, non-delivery, and refund, Synchrony Bank denied the dispute without properly reviewing the merchants documentation. I am requesting that Synchrony Bank correct this billing error and issue a refund for the {$620.00} transaction.

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Nelnet is reporting my federal student loan as XXXX days past due for XX/XX/year>. 

I disputed this reporting directly with Nelnet and provided the specific month in question along with a copy of my credit report. Nelnet responded that the delinquency was accurate, stating that a payment on XX/XX/year> brought the account current, but did not provide documentation supporting the accuracy of the XX/XX/year> delinquency. 

Nelnet did not provide billing statements, payment history, proof of due dates, or evidence that the account was not subject to administrative forbearance, servicing transition, or payment processing delays during the disputed period. The response relied on a general assertion rather than documented verification. 

I am requesting that Nelnet conduct a documented, reasonable investigation into the XX/XX/year> delinquency and either provide evidence supporting the reporting or correct/delete the late payment information if it can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: OK

Complaint narrative:
So true accord called me saying I owe a debt from XXXX XXXX was the first person who emailed me about the debt. After a couple email from XXXX, I then emailed them a debt validation letter. XX/XX/year> to XXXX XXXX I waited XXXX month, then XXXX months then called them and I talked to XXXX XXXX Which is the supervisor I believe I cant really remember since its been a long time ago, XXXX XXXX then stated she only collects debt she doesnt know why they havent sent you a validation of debt, then told me to call XXXX . I then called XXXX and talked to them and they stated call true accord and talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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:
I am submitting this complaint regarding an unauthorized debit card transaction that JPMorgan Chase Bank , N.A . has refused to refund. On XX/XX/year>, a {$120.00} point-of-sale debit transaction occurred at a XXXX located in XXXX, California. I did not authorize this transaction. At the time of the charge, I was physically working in another city ( XXXX XXXX XXXX ), which makes authorization impossible. Immediately upon receiving a fraud alert from Chase, I responded NO, confirming that I was not using my card. Chase subsequently closed my card and issued a replacement, acknowledging suspected fraud. 
Despite this, on XXXX XXXX Chase denied my claim, stating that the card was present and a PIN was used. I did not authorize this transaction, did not provide my card or PIN to anyone, and did not knowingly disclose my PIN. PIN usage alone does not constitute proof of authorization under Regulation E.

I submitted employment and payroll records showing that I was working at the time of the transaction. Chase rejected this evidence without explanation, stating only that it was not valid. Chase has not provided documentation showing how it determined that I authorized this transaction or negligently disclosed my PIN.

A police report was filed documenting this unauthorized transaction. The report was filed after Chase denied the claim, which is permissible and does not invalidate my rights under Regulation E. 

I am requesting that the CFPB require Chase to : Reopen and properly reinvestigate this claim Provide evidence of alleged authorization, if any exists Refund the unauthorized {$120.00} debit transaction Comply with federal consumer protection laws

Company response to consumer: Closed with explanation