vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding a XXXX account issued by Synchrony Bank. This account was opened during an emergency veterinary situation. After the initial charge ( approximately {$800.00} ), I attempted XXXX access the account XXXX make payments but was unable XXXX do so without the original card number, which had been destroyed. Despite multiple requests, a replacement card was not provided in a timely manner, XXXX I was only able XXXX make XXXX payment by phone. As a result of these access failures, interest XXXX late fees accrued significantly, increasing the balance far beyond the original charges. I contacted XXXX via chat and formally requested a complaint review regarding these servicing issues. I was told the issue was escalated ; however, after more than XXXX days, I have received no response while additional fees XXXX negative credit reporting continue. I am requesting : Investigation into account access failures Removal or adjustment of accrued interest XXXX late fees caused by inability XXXX access the account Correction of any negative credit reporting resulting from these issues Written confirmation of the outcome I am willing XXXX resolve the account promptly XXXX the accurate balance is established.

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 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SFMC L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX I was reached out to by XXXX regarding my retirement funds. I gained access to my account and added a bank account in order to withdraw the funds and close the account. XXXX makes customers wait XXXX weeks before withdrawing to newly added accounts. During this waiting period XXXX closed my retirement account and coveted all funds under fees category. I would like my money I worked hard for back in my account and available to withdraw and close this retirement account for good.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year> XXXX send me a new card also adding an additional card to my Wells Fargo account that I did not request. I use the XXXX card to pay rent for points through the XXXX XXXX app. When issuing the new card my routing and account number changed and my rent was unable to be paid through XXXX XXXX because the microdeposits for the new account never appeared on the new account. If I do not have a routing and account number, I would have to pay a {$95.00} fee to pay rent by credit card. I used to be able to call and reach a human. Since XXXX I have been unable to speak to a human and XXXX replies very late to emails. My most recent reply was today, XX/XX/XXXX asking if my situation is resolved. I was able to add my account to the XXXX XXXX again after MANY texts and phone calls they gave me back my original account number and routing number which I will not know is effective until I pay rent in XXXX. The issue is that I have never not been able to reach a human by phone for all the credit cards and banks I work with. XXXX appears to have gone rogue in only communicating by email and chat. This is what I would like to report as this appears to lack fiduciary responsibility. What if my card is lost or I have a credit emergency? I have had to write paper checks for XXXX and XXXX because to this oversight. Thank you.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a complaint against Chime regarding their refusal to reimburse fraudulent transactions totaling {$6400.00} from my account. I was the victim of a scam involving an individual impersonating a sheriffs office. The scammer called me and claimed I had a warrant. They sent fake documents via text message and kept me on the phone while falsely reading me my rights to make the situation seem legitimate and urgent. During the call, I was instructed to click a link they sent me. The link redirected me to a page that led to Chime, where I logged into my account while still under pressure and deception. This allowed the scammer to gain access to my account and remove funds without my true authorization. I did not knowingly authorize these transactions. My account was accessed under fraudulent circumstances, and I was manipulated through deception and impersonation of law enforcement. I immediately reported the incident and filed a police report. However, Chime denied my dispute and incorrectly classified these transactions as authorized. I am requesting a full reinvestigation of my claim as unauthorized account access and fraud, not a voluntary payment. I also request documentation showing how Chime determined these transactions were authorized despite the evidence of impersonation and account compromise. I am seeking reimbursement of the {$6400.00} taken from my account and a fair review in accordance with consumer protection laws. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I use my account for important stuff. This account is primarily for bills XXXX saving. I see my account had a lot of transaction from a company called drafting XXXX XXXX XXXX I dont shop at this company. Whoever file my claim filed it wrongly XXXX include other transaction that I did not include now my claim got denied.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
The XXXX XXXX XXXX XXXX that I bought/financed through Ford Motor Credit suffered XXXX XXXX XXXX stall at highway speed in approximately XX/XX/XXXX about 7 months after purchase. This happened on a vehicle subject to Fords own acknowledged recall covering loss of drive power. I subsequently voluntarily surrendered the defective vehicle. Ford Motor Company failed to repair or remedy the defect despite its recall obligations. Ford Motor Credit a wholly owned subsidiary of Ford Motor Company is now attempting to collect a deficiency on a loan for a defective vehicle that its parent company refused to repair. I have since written a demand letter to Ford Motor Company to acknowledge their warranty obligation on the defective battery of the car and provide a similar replacement, not new, and I am offering to continue payments based on the current market value of the replacement vehicle that is warrantied to have a non-defective battery. I will be attaching my demand letter to Ford Motor Company and Ford Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX loan servicer for XXXX XXXX XXXX. Contract was signed XX/XX/year> for the amount of {$70000.00} for an XXXX system. Installation was never completed. Electrical sub panels were not updated and changed out by installers. Solar system is not working nor was installation completed. Since then contract has been sent to National XXXX recovery solutions whom is attempting to collect the debt. XXXX Email ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX Email : XXXX National XXXX Recovery Solutions LLC XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding NTL Recovery Agency and their reporting of an unverified collection account on my credit file. I disputed this account, and it was marked as verified, however I have not received any documentation to support the validity or accuracy of this debt. No signed agreement, payment history, or proof of ownership has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), all reported information must be accurate and properly investigated. Reporting an account without proper verification is a violation of federal law. NTL Recovery Agency continues to report this account despite failing to provide any supporting documentation. Due to the failure to properly investigate and verify this account, I am requesting that this account be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
filing a complaint regarding an escrow account error with my mortgage servicer, Freedom Mortgage. In XX/XX/year>, the servicer conducted an escrow analysis and determined that my account had a surplus of {$890.00}. They issued a refund and reduced my monthly payment. Within weeks, a new analysis claimed a shortage of {$2500.00} and significantly increased my monthly payment. This represents a swing of over {$3400.00} in a very short period and appears inconsistent with my actual account balance, which had increased during that time. The servicer has not adequately explained how a surplus became a large shortage in such a short period, nor have they provided clear documentation supporting the calculation. I believe the escrow analysis may contain errors related to disbursement timing, tax projections, or shortage calculation. I am requesting a full investigation, correction of any errors, and a revised escrow analysis that accurately reflects my account activity. This issue is causing financial hardship due to a significant and potentially inaccurate increase in my monthly payment

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX at XXXX in the XXXX! I received a email from client services requesting XXXX from a XXXX account! All I did was open the email read it, then deleted it! Beware for other people not for this to happen to them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Frost-Arnett Company continues to call my phone repeatedly despite multiple requests to stop. I have clearly told them to place me on their Do Not Call list, but the calls persist. These calls are unwanted, excessive, and disruptive. This conduct appears to violate federal consumer protection laws, including the Fair Debt Collection Practices Act and Do Not Call regulations. I am requesting that they immediately cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
Initial Outreach ( XX/XX/XXXX ) : I contacted the Federal Student Aid ( FSA ) Ombudsman to dispute the daily interest accrual ( $ XXXX ) on my account starting XX/XX/XXXX. I explained that this accrual was the direct result of a XXXX delay in processing my XXXX switch request ( submitted XX/XX/XXXX ; denied XX/XX/XXXX ) and sought a waiver of this interest in exchange for immediate payment in full. Service Promise : Upon filing, I received an automated/official acknowledgment stating that a representative would contact me with a resolution or update within 15 days. Follow-up Period : I made multiple subsequent attempts to contact the office via phone and the online portal after the 15-day window expired in early XXXX. I received no substantive response during this time, while my balance continued to grow due to the very interest I was disputing. Resolution Received ( XX/XX/XXXX ) : I finally received a response on XXXX XXXXnearly 60 days after the initial contact and well beyond the promised timeframe. The response denied the waiver, citing a documentation " failure '' that occurred during the government 's own XXXX processing lag.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint against Citibank regarding a dispute for a {$4200.00} transaction with XXXX for a resort stay. The bank has repeatedly misclassified a " Total Breach of Contract '' and " Safety Hazard '' claim as a subjective " Quality of Service '' issue. The merchant failed to provide the safe, habitable " Luxury All-Inclusive '' environment contracted for. Specifically : Bodily Injury : I suffered a physical laceration to my leg due to defective and unmaintained facilities at the resort. Chemical Negligence : Resort staff applied industrial vinyl paint in an occupied children 's playroom while my child was present, leading to chemical exposure. The merchant admitted to this painting in writing but inaccurately claimed industrial paint was " safe ''. Industrial Hazards : The resort operated as an active construction zone with heavy industrial machinery on guest beaches daily. Citibank initially denied the claim as a " billing error ''. Upon appeal, they denied it again on XX/XX/year>, claiming that because the services were " used, '' they could not " place a dollar value '' on the compensation. This is legally incorrect ; a service that results in physical injury and chemical exposure to a child is a 100 % failure of the contract and holds a value of {$0.00}. Furthermore, Citibank 's internal systems were unable to process the high-resolution color photographic evidence of the injury and chemical labels. Despite being notified that color was critical to distinguish blood and chemical warnings, the bank failed to provide a secure digital upload method and instead closed the case.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My complaint is with the USAA beneficiary process. I changed my contingent beneficiary to our trust with 6 institutions. 5 of the 6 went seamlessly. USAA, on the other hand, has been horrendous. The process started in mid XXXX. All other institutions were completed by the end of XXXX. As of the date of this writing, XX/XX/XXXX, USAA has yet to complete the process even with all of the required documentation being submitted. Initially, I was informed about an error on the beneficiary change request form. I fixed that error, confirmed with an expert in the trust department that the correction and the rest of the form looked good, only to have it rejected again for another error. I fixed that error, again confirmed with another expert in the trust department that the form looked good. I then got the signature cards on XX/XX/XXXX, submitted them, and was told that this would be effective XXXX business days from receipt of the cards. XXXX business days from XX/XX/XXXX is XX/XX/XXXX, and todays date is XX/XX/XXXX. The beneficiary change has not been completed yet. When I called USAA on XX/XX/XXXX, they contacted the XXXX department and told me that it was going to be completed XX/XX/XXXX, well outside of the XXXX business days from XX/XX/XXXX, and that I wasnt allowed to speak to the XXXX department directly. This also is not true as I have spoken directly with them on multiple occasions in the past. Thankfully, I do not have a terminal illness where this needed to be done in a prompt manner. My hope is that external accountability along with any associated penalties will be able to fix what internal accountability has not been able to fix, should someone with a terminal illness need prompt service. Unfortunately, my close to 40 years of trust in USAAs competence to handle my financial matters has been severely degraded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding IC Systems and their inaccurate reporting on my credit file. This account appears to be reporting the same alleged debt as another company, creating duplicate reporting. I have disputed this account, and it was marked as verified, however no documentation has been provided to support the accuracy or ownership of this debt. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ( b ) ), all information reported must be accurate and properly investigated. Reporting duplicate accounts and failing to verify the accuracy of the information is a violation of federal law. IC Systems has continued to report this account without providing proof or resolving the duplication issue. Due to inaccurate and duplicate reporting, I am requesting that this account be deleted from all credit reporting agencies immediately.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

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