vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am submitting this letter as a supporting statement for my Consumer Financial Protection Bureau ( CFPB ) complaint regarding inaccurate and disputed collection accounts that appear on my consumer credit reports. 

After reviewing my credit reports from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, I identified the following collection accounts that I am disputing due to concerns regarding accuracy, authorization, and verification. 

XXXX. National Credit Systems XXXX XXXX : XXXX XXXX XXXXs Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2800.00} Last Reported : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian  ) This account is being reported as a collection account with a seriously past-due status. I dispute this account as it does not accurately reflect an obligation I authorized or agreed to. I have requested validation of this debt and dispute the accuracy and legitimacy of the information being furnished to the credit reporting agencies. 

this account continues to be reported despite being disputed, and I am concerned that the information being furnished is inaccurate, incomplete, or unverifiable. The continued reporting of these accounts is causing significant harm to my credit profile. 

I am requesting that the CFPB XXXX this matter and assist in ensuring that these companies comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including proper investigation, verification, and correction or removal of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: DISCOVER BANK
State: CO

Complaint narrative:
VIOLATION OF XXXX XXXX XXXX ( XXXX XXXX XXXX ) I am disputing {$11000.00} in charges from XXXX XXXX XXXX ( merchant ) on my Discover card for defective legal services. Discover has violated my rights under XXXX XXXX  XXXX by denying my disputes without honoring my defenses. 

DENIALS ALREADY RECEIVED : - Case XXXX - {$1100.00} - DENIED stating " you signed a contract '' - Case XXXX - {$2300.00} - DENIED stating " you signed a contract '' I have today submitted a comprehensive rebuttal invoking my XXXX  XXXX rights for the full {$11000.00}. 

XXXX  XXXX REQUIREMENTS- ALL MET : XXXX. Charges exceed {$50.00} : YES ( {$11000.00} total ) XXXX. Good-faith resolution attempt : YES - XXXX documented emails to attorney ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) ALL IGNORED, multiple phone calls ignored XXXX. Geographic requirement : YES - Modern Family Law in Colorado, I'm in Colorado MY DEFENSES UNDER XXXX  XXXX : - BREACH OF CONTRACT - Attorney failed to perform agreed services - DEFECTIVE SERVICES - Caused measurable harm ( lost custody, contempt findings ) - MISREPRESENTATION - Misrepresented capabilities and trial strategy - NON-PERFORMANCE - Failed basic duties ( no interrogatories, no communication ) XXXX 'S OWN ADMISSIONS ( IRREFUTABLE ) : - Admitted his XXXX advice " was a bad idea '' - This advice caused me to LOSE CUSTODY of my daughter - Admitted data breach occurred - Admitted hearing failures in text messages DOCUMENTED EVIDENCE : - Email chain showing XXXX unanswered emails - Text messages with attorney 's admissions - Fee agreement showing XXXX XXXX breach ( data security ) - Billing records showing {$11000.00} total DISCOVER 'S VIOLATION : Discover has denied my disputes by simply stating " you signed a contract. '' This violates XXXX XXXX because : XXXX. XXXX XXXX REQUIRES card issuers to accept defenses against merchants XXXX. Material breach of contract EXCUSES payment under contract law XXXX. Federal law REQUIRES them to honor quality/defective services disputes XXXX. They have not properly evaluated my documented defenses Under XXXX XXXX. XXXX, I have the statutory right to assert my defenses against XXXX XXXX XXXX as defenses against Discover. Discover is violating federal law by failing to honor these rights. 

REQUESTED RELIEF : - CFPB to require Discover to properly evaluate my Section XXXX defenses - Reversal of denials and permanent credit of {$11000.00} - Investigation into Discover 's pattern of XXXX violations I have extensive documentation and am prepared to provide any additional information needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a checking account at Ally Bank on XX/XX/XXXX. There was a promotion in effect at the time to receive a {$300.00} new account bonus for opening a checking account and enrolling it for payroll direct deposit. 

The terms were that I had to fund the account and make direct payroll deposits totaling at least {$1000.00} for XXXX consecutive months. The bonus was supposed to be paid within XXXX  days of completing these activities. 

My employer deposited {$1000.00} of my paychecks to this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Ally on XX/XX/XXXX and they confirmed that I qualified for the bonus. They said this matter would be escalated. The bonus was never paid.

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 2026-02-08 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: NC

Complaint narrative:
This debt collector has done unjustifiable practices that are prohibited by the FDCPA. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me extreme stress as I am trying to purchase a home for my family while this debt collector is reporting this damaging info on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX, 2024, I sent a domestic wire transfer for {$56000.00} from my Chase account to purchase a vehicle advertised on XXXX XXXX. The listing appeared to be from a legitimate dealership, but it was a sophisticated scam. 

After sending the wire, I discovered the transaction was fraudulent. Local law enforcement reviewed video evidence showing the scammer withdrawing the funds from a bank, and the police have the scammers face. Despite this, the case was dropped because the scam was across state lines and the perpetrator could not be positively identified. 

I contacted Chases fraud department multiple times after the wire transfer and filed multiple FBI XXXX reports, but I did not receive any written explanation or documentation regarding whether a XXXX recall was initiated, whether the receiving bank was notified and the account flagged, or whether the matter was re-escalated given the ongoing fraud activity. 

The scammer is continuing to post ads similar ads on XXXX XXXX, and the same scheme appears to be ongoing without consequence. I am submitting this complaint to request a written explanation of the investigative and escalation steps Chase took to prevent continued consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I am a XXXX at XXXX XXXX. I enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program in XX/XX/XXXX and took out a {$12000.00} loan with Climb Credit to pay for it. 

I was induced to sign this contract based on specific promises of professional mentorship and career placement services. However, the program was a misrepresentation of what was advertised : Lack of Instruction : During the 'apprenticeship, ' I was frequently told to sit in silence and watch a producer work without receiving any actual instruction or mentorship. 

Breach of Career Services : Since finishing the course, the school has completely ghosted me. I received one email regarding a 'job opportunity, ' but when I replied and followed up multiple times via email and phone, the school ( including my advisor ) ceased all communication. 

Lender Accountability : Climb Credit claims to vet its partner schools for quality and ROI. However, XXXX was recently cited by the California XXXX ( XX/XX/XXXX ) for failing to maintain student  records and failing to follow its own XXXX XXXX policies. 

I am requesting a full discharge of my remaining loan balance and a refund of all payments made ( $ XXXX ) because the school failed to provide the services I contracted for, and the lender failed to vet this predatory institution. 

I have clear evidence of bad-faith communication. I replied to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, to request my next steps. Despite my direct outreach, the school continued to send me automated emails from XXXX to XX/XX/XXXX recently, falsely claiming they had not heard from me. This 'ghosting ' loop prevented me from accessing the job placement services I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally dispute a {$600.00} charge on my account for services that were never provided. I recently discovered that this transaction was part of a scam. I paid for services in good faith, but nothing was delivered, and I have since confirmed that the business was fraudulent. 

I have called customer service multiple times to explain what happened and to request that this charge be disputed. During those calls, I was told that I must submit a written letter in order to proceed. While I am complying with that request through this letter, I want to express my frustration and confusion about this requirement. As a customer, I understand that I have the right to dispute charges related to fraud or services not received, and I have already provided detailed explanations over the phone.

To summarize : Amount disputed : {$600.00} Reason : Paid for services not received Circumstances : Transaction later determined to be a scam I am requesting that Citi open a formal investigation into this charge and credit my account as appropriate while the dispute is reviewed. Please confirm receipt of this letter and advise me of any additional documentation needed to support my claim.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized debit and the failure to deliver an approved refund on my CareCredit account. 

In XX/XX/year>, funds totaling {$500.00} were withdrawn from my bank account via automatic payment without my authorization. At the time of this withdrawal, the bank account associated with the payment was closed, and I did not authorize any automatic or recurring drafts. 

In XX/XX/year>, I contacted CareCredit and spoke with a representative who acknowledged that the withdrawal was unauthorized and confirmed that a refund would be issued by paper check. During this interaction, the refund check was processed using an incorrect mailing address. 
I contacted CareCredit multiple additional times in XXXX to correct this issue. On XX/XX/year>, I contacted CareCredit again via online chat, at which time I was informed that the mailing address on file was incorrect. I was asked to confirm my correct address, which I did, and I was told that the address had been updated. 
After this, I contacted CareCredit again and was informed by another representative that my identity could not be verified, despite having previously verified my information during earlier communications. I was then told that because the account was past due, the refund would not be reissued and that I would not receive the funds, even though the refund had already been approved and processed. 

To date, I have never received the refund check, nor have I cashed or deposited any refund related to this transaction. The refund remains outstanding. 
Please note that an account balance or past-due status does not eliminate a consumers right to receive a refund for an unauthorized debit. A refund obligation is not satisfied until the funds are received by the consumer. 

I am formally requesting the following : A refund trace on the {$500.00} refund check issued on or around XX/XX/year> Confirmation that the original check has not been cashed A stop payment on the original check and immediate reissuance of the refund to my correct address or via ACH Written confirmation of resolution If this matter is not resolved promptly, I will pursue further action through applicable regulatory and consumer protection channels. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX CareCredit / Synchrony Account ( last four digits ) : 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 2026-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On the evening of XX/XX/year>, my daughter began receiving texts identifying as BMO asking if she had attempted a XXXX XXXX and trying to reach out to her. 

On XX/XX/year>, she then received a phone call from someone impersonating a BMO employee requesting a one time passcode.The fraudster explained they suspected her funds had been hacked by an insider in the bank, and due to the complexity of the case the fraudster turned the call over to a female who claimed to be a federal agent. This fraudster was very convincing and requested my daughters assistance to help identify the insider at the bank who they believed was a teller. 

Meanwhile, the scammers having accessed her bank accounts began adding, subtracting, and transferring money in various amounts ( $ XXXX {$10000.00} ) between her checking account and money market account. 

The female fraudster began increasing pressure on my daughter requesting her to make XXXX transfers, then requested her to go to the bank and withdraw money that the feds had already deposited into her account to help identify the insider. When my daughter began to hesitate, the female fraudster began to threaten her with an arrest and jail time for not withdrawing the funds that they had deposited into her account to catch the insider. 

When my daughter was refused by the bank to make a large cash withdrawal at the drive thru, she went inside the bank under much duress and requested to withdraw {$10000.00} in cash. The fraudster demanded that she secretly stay on the call with her throughout the duration of the bank visit to further intimidate my daughter. 

While the bank was able to return the money from the XXXX transfers, they have declined to return the funds from the bank withdrawal. We do not believe BMO did its due diligence and the {$10000.00} withdrawal could have been stopped. 

First, there was a teller in training helping my daughter with the withdrawal who should have had more supervision. Second, if the teller had taken a look at either of her accounts at the time of the withdrawal, they would have seen multiple suspicious transactions occurring that very morning involving both of her accounts in amounts ranging from {$5000.00} to {$10000.00}. Third, I am also listed on my daughters accounts and the bank knows me by name ; they could have easily called me to confirm any suspicions they had. 

Because of these errors and BMOs failure to see the obvious red flags, we believe the bank should take responsibility and return the funds to my daughter. She is a young, hard working XXXX  XXXX XXXX  and this loss has devastated her savings and created a great deal of emotional stress for her.

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 2026-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXX credit card was open on XX/XX/year> without my consent and knowledge. The debt amount is {$31000.00}. Please help me to remove the fraudulent opened account from the all credit bureaus reports ( XXXX, Transunion, XXXX  ). It is doesnt allow me to get a new cards for myself, to lease a new car or buy a small house. Please help me to resolve this problem. 
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 non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: PA

Complaint narrative:
I am requesting that your company conduct a thorough investigation into this matter and provide documentation that verifies the accuracy of this account. If you are unable to provide proper verification, I am requesting that the account be corrected or deleted from all credit reporting agencies immediately. 

I have the right under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) to have only complete and accurate information reported on my credit file. Continued reporting of inaccurate or unverifiable information is causing financial harm and negatively impacting my ability to obtain housing, credit, and other opportunities. 

Please provide written confirmation of the results of your investigation and any corrective actions taken. I expect this matter to be resolved promptly in accordance with 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 2026-02-08 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: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) recently started calling me daily, I answered a call on XX/XX/2026 and the woman I spoke to said they were attempting to collect a debt from XXXX XXXXXXXX after I disputed it via XXXX, I explained I was the victim of identity theft and explained that I could provide my FTC report my reference number is XXXX. I also filed a police report with XXXX XXXX XXXX  XXXX  my case number is XXXX. Also in accordance with the Fair Debt Collection Practices Act, I demanded they stop collection proceedings against me and remove the fraudulent account. The debt is the result of identity theft. I'm submitting a complaint today because they are persistence about this debt which was the result of identity theft and I will consider legal action if they continue to disregard the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgence Legal Group, PC
State: MN

Complaint narrative:
I am filing a formal complaint against Resurgence Legal Group , PC and XXXX XXXX, XXXX for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Uniform Commercial Code. They have failed to validate an alleged debt after multiple lawful requests, have attempted litigation without proper due process. 

On or about XX/XX/XXXX, I received a pre-litigation discovery letter from Resurgence Legal Group , PC on behalf of XXXX XXXX, XXXX referencing a file number and settlement offer. No verified lawsuit was filed, yet the communication misrepresented itself as if court proceedings were underway, citing Rule 26.01 ( a ) and offering settlement terms. 

I exercised my right under the FDCPA and FCRA to request validation of the alleged debt. I mailed a certified Debt Validation Request on/or around XX/XX/XXXX with return receipt. My letter specifically demanded : Original wet-ink signed contract, GAAP-compliant ledger history ( ASC 310 ), Full assignment chain / Forward Flow agreement, XXXX or tax treatment records, Affidavit from a firsthand witness. 

Their response failed to meet these demands and included unverifiable, unauthenticated documents with no legally binding signature. No competent fact witness or accounting trail was provided. This conduct violates FDCPA 1692e, 1692g, and 1692j, and the continued threat of court action without validation constitutes simulated legal process and administrative fraud. 

Spokeo v. Robins ( U.S. 2016 ) and Havens Realty Corp. v. Coleman ( U.S. 1982 ) confirm that standing must be based on traceable injury and valid chain of title. These entities can not demonstrate ownership or agency authority over the alleged account. 

As of today, the account has not appeared on my credit report, but I am filing this complaint proactively to stop further abusive or false reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I dispute the validity of the alleged debt assigned XXXX  Hunter Warfield , Inc., on behalf of XXXX XXXX XXXX, XXXX. On [ DATE ], I sent a certified written request for debt validation, which was delivered XXXX  signed for, yet the companies failed XXXX  provide proper verification. Despite receiving legal notice, Hunter Warfield continued collection efforts XXXX  both companies reported this account inaccurately XXXX  credit bureaus, causing financial XXXX  emotional harm. Their conduct violates the Fair Debt Collection Practices Act ( FDCPA ) XXXX  the Fair Credit Reporting Act ( FCRA ). I request immediate investigation, proper validation, XXXX removal of all inaccurate credit reporting.

Company response to consumer: Closed with explanation