vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX continues to call me after I have asked to not be called, or be called by a different representative. He has been incredibly rude to me when trying to ask to send me written documentation or an email with the payment plan options. I was provided XXXX payment plan options over the phone and when I asked to see them in writing I was denied that request and was told that it was not possible and I had to make a decision then. I told him I would not until I had the payment options in writing so I could review. He was incredibly rude and would not transfer me, I told him to not call me again, and if I were to get a call again I wanted it to be from someone else. I also called the main line number for this company, and was transferred to XXXX 's boss where I left a voicemail and did not receive a call back. And guess what? I continue to receive voicemails from XXXX. I do not have specific dates, but I know they do, and all calls are recorded so they will have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCM Finance LLC
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported by CCM Finance on my credit report. I previously disputed this account with XXXX due to incorrect balance amounts, inaccurate dates, and incomplete account details. Following the investigation, the account was not properly verified. Instead, it was merely updated without any supporting documentation being provided to me. CCM Finance has failed to provide adequate verification of this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), any information reported must be accurate and fully verifiable. Simply updating the account without providing proof such as the original signed contract, complete payment history, and clear evidence of ownership of the debt does not meet these legal requirements. I formally request that CCM Finance provide full validation of this account, including : - The original signed agreement or contract - A complete and itemized payment history - Proof that CCM Finance has the legal right to collect this debt If CCM Finance can not provide this documentation, I am requesting immediate deletion of this account from my credit report. Additionally, I request an explanation of how this account was verified as accurate during the dispute process despite the lack of proper documentation. This matter needs to be resolved promptly in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of XXXX dispute claims that were improperly denied despite valid dispute reasons. Below is a timeline of events : On XX/XX/year>, I made a purchase with XXXX XXXX XXXX totaling {$240.00} and paid for next day air shipping, which created an expectation for expedited delivery. The transaction posted on XX/XX/year>. However, I did not receive the merchandise at all, despite paying for expedited shipping. On XX/XX/year>, I filed a dispute with Capital One regarding this transaction ( Claim # XXXX ) under the reason of merchandise not received. Capital One requested additional information and asked me to verify that the merchandise had not been received. I confirmed that I did not receive the item. Despite this, Capital One denied the claim, stating that the transaction was valid based on merchant-provided information, without addressing the failure to deliver the merchandise as agreed. Separately, I disputed another transaction for {$100.00} ( Claim # XXXX ), which was filed on XX/XX/year>. This dispute involved a restaurant purchase at XXXX where I was served food containing a bug, which is a serious health and safety hazard. I was denied a refund and only offered a remake, which did not resolve the issue. On XX/XX/year>, Capital One issued a temporary credit for {$100.00} while investigating the dispute. This claim was later denied and categorized as a quality issue, despite involving unsafe food conditions and a failure to provide a safe service. In both cases, Capital One relied on merchant-provided information without providing me with the documentation used to make their decision. Additionally, the disputes appear to have been incorrectly classified, which directly impacted the outcome. Paying for next day air shipping further supports that the merchant failed to fulfill the agreed terms of delivery. Additionally, being served food containing a foreign object is a health hazard and should not be categorized as a simple quality issue. I made good-faith efforts to resolve these issues and provided accurate information during the dispute process. However, my claims were denied without sufficient transparency or proper application of dispute protections. I am requesting that Capital One provide all documentation submitted by the merchants and conduct a reinvestigation under the appropriate dispute categories, including merchandise not received and services not rendered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: UT

Complaint narrative:
According to MOHELA customer service, a transition to a new platform in XX/XX/year> resulted in my payment being processed incorrectly. Consequently, my account still shows as unpaid. This reporting has caused my credit score to drop from over XXXX to the low XXXX. I have contacted MOHELA numerous times without resolution. While I have filed disputes with all three credit bureaus, they are currently waiting for a response from the servicer.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing recurring credit card charges from XXXX Trails that continued after I revoked authorization for them to charge my credit card. On XX/XX/year>, I notified the merchant in writing that they are no longer authorized to charge my card. Despite this, they continued to process recurring charges on XX/XX/year> for {$160.00}, XX/XX/year> for {$99.00}, and XX/XX/year> for {$99.00}. I contacted Capital One to dispute these charges. I clearly stated that I am not disputing the underlying contract, only the continued use of my credit card after authorization was revoked. I provided documentation showing my written revocation. Capital One initially issued provisional credits, but later reversed them after the merchant provided a copy of the original contract. In doing so, Capital One ignored my revocation of authorization and treated the dispute as a contract dispute rather than a recurring transaction after authorization was revoked. Capital One representatives have also stated that I must provide cancellation confirmation from the merchant, which the merchant refuses to provide. This is incorrect. Under card network rules, a consumer can revoke authorization for recurring charges by notifying the merchant or the issuer. Merchant confirmation is not required. Charges occurring after revocation should be treated as unauthorized recurring transactions. I am requesting that Capital One : 1. Re-evaluate these disputes under the correct category of recurring transactions after revocation of authorization 2. Reinstate the previously issued credits that were reversed 3. Stop allowing this merchant to continue charging my credit card 4. Ensure future charges from this merchant are blocked The issue is not the contract itself, but the continued charging of my credit card after authorization was revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
i had a miss payment for XX/XX/year> and XX/XX/XXXX XXXX more i paid using my bank my bank reject the payment adn i called them to make those payment and avoid late payments yn my credit report and the answer was not you are able to amke those payment becasue is prcessing for our bank and take betwen XXXX days to claer told him ok i want to make those payments if you do it will go to your principal not those payments being all this in unfair by this organization becuase i was trying to make those payments and i called XXXX of XXXX to avoid negative impacted in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: IL

Complaint narrative:
Validation of Debt Request - CREDENCE RM/T MOBILE - XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-17 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: OH

Complaint narrative:
On XX/XX/year>, I purchased a sectional couch from XXXX XXXX XXXX The sectional was delivered on XX/XX/year> and was a right facing sofa not a left facing arm. On XX/XX/XXXX, it was re-delivered and held together with two C clamps. The clamps kept falling while delivery was still here. They refused to take it back I had contacted the store in XXXX, Ohio and the value city repair team in XXXX, Ohio. On two separate occasions, the repair team came out which was a young man who was advised to double side tape it together. I continue communication with the store for a resolution at which point they quit responding and subsequently filed bankruptcy. I filed a dispute with my credit card company Discover 45 days later after not hearing from value city they close the case I want this reevaluated I need some assistance with their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding a denied dispute for fraudulent transactions totaling {$260.00} Background of the Incident : I was targeted by a sophisticated phishing scam originating from a XXXX advertisement. I was led to a fraudulent website that falsely promised income. To facilitate a " withdrawal, '' the site required me to link my XXXX Debit Card. This was a malicious site designed to harvest card credentials ( Social Engineering/Phishing ). The Unauthorized Activity : Immediately after my card details were harvested, unauthorized charges were made via XXXX ( a third-party crypto service ). I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website. My account is fully secure now The Dispute Process : I filed a dispute with XXXX. However, XXXX denied my claim, stating the transaction was " authorized. '' Why XXXX Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. XXXX has failed to provide a thorough investigation or fulfill their consumer protection obligations. XXXX details First Name : XXXX Last Name : XXXX XXXX : XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Transaction Summary : $ XXXX ID XXXX $ XXXX ID XXXX XXXX debit card information was compromised And I do not have a XXXX account Desired Resolution : I request a full reversal of the fraudulent charges and a credit of {$260.00} back to my XXXX account. I also request XXXX to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My XXXX card is compromise If this matter can not be resolved through chime internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Validation of Debt Request - I C SYSTEM - 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 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 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
I am filing this urgent and severe complaint against the Army and Air Force Exchange Service ( AAFES )/ Military Star for engaging in what can now be proven as willful and illegal theft. In a direct admission, AAFES has confirmed that the original debt on my account was paid in full as of XX/XX/year>. Despite this admission and with full knowledge that no debt existed, AAFES continued to enforce a wage garnishment, unlawfully seizing an additional {$590.00} from my Leave and Earning Statement ( LES ) after the date they acknowledged the account was settled. This is not a clerical error ; it is a conscious and deliberate act of taking money they are not owed. This illegal XXXX was compounded on top of a pre-existing overpayment of {$1100.00}, which arose from prior garnishments and a U.S. Treasury tax offset. AAFES is now in illegal possession of a total of {$1700.00} of my money. Their actions represent a flagrant and undeniable violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ), as knowingly collecting funds on a zero-balance account is the very definition of an unfair, deceptive, and abusive practice. My patience is exhausted. I demand the immediate and permanent termination of the wage garnishment, the swift and full electronic refund of the entire {$1700.00} that AAFES has stolen from me plus punitive interest for this willful misconduct, and a complete purge of all negative history related to this account from all credit bureaus. This is no longer a dispute ; it is a documented case of theft, and I expect the full and immediate intervention of the CFPB to rectify this blatant injustice.

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 2026-03-17 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I NEVER APPLY FOR SUCH A CREDIT CARD. I AM IDENTITY THEFT. {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am filing a complaint regarding my banks failure to stop unauthorized recurring transactions despite multiple explicit requests over an extended period of time. For approximately 712 months, I have been attempting to stop recurring charges from XXXX ( specifically a XXXX subscription billed through XXXX ). I no longer had access to my XXXX account due to a two-factor authentication issue tied to a disconnected phone number, which prevented me from canceling the subscription directly. As a result, I contacted my bank on multiple occasions and clearly requested that a permanent merchant block or stop payment be placed on XXXX to prevent further charges. I was told by more than one bank employee, including customer service and in-branch staff, that these steps had been completed. Despite these assurances, the charges continued. Additionally, after my debit card was replaced, the charges still carried over to the new card, indicating that no effective block or stop payment had been implemented. When I recently met with a bank representative in person, I was informed that there was no record that a permanent block had ever been placed, and only minimal notes existed regarding my prior requests. Because the bank failed to properly act on my repeated instructions to stop these transactions, I was forced to close my account entirely to prevent further unauthorized debits. This situation has caused ongoing financial harm, significant time burden, and loss of trust, as I relied on my bank to execute basic account protections that were requested multiple times but not carried out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
I am filing this formal complaint against the third-party debt collection agency, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX for engaging in grossly unlawful, predatory, and fraudulent collection practices. XXXX is attempting to collect on a debt that has not only been paid in full to the original creditor, the Army and Air Force Exchange Service ( AAFES ), but was confirmed by AAFES to be settled as of XX/XX/year>. Despite this, XXXX continues its harassment and has even illegally manufactured new interest charges on a zero-balance account. The conduct of XXXX is a flagrant violation of federal law, most notably the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Illegal Justification of Dual Collection : XXXX has explicitly claimed that they are legally entitled to collect on this debt simultaneously while the original creditor, AAFES, is actively garnishing my wages for the very same debt. This " double-dipping '' is an inherently deceptive and unconscionable practice, designed to intimidate and confuse consumers into paying twice. This is a direct violation of 808 of the FDCPA, which prohibits unfair practices. Collecting a Non-Existent Debt : The debt XXXX is pursuing has a balance of XXXX, a fact confirmed by the original creditor. By continuing any and all collection activities, XXXX is misrepresenting the " character, amount, or legal status '' of the debt, a clear violation of 807 of the FDCPA. Their pursuit of a settled debt is fraudulent. Illegally Manufacturing Interest : Most egregiously, XXXX is continuing to accrue new interest on the account. It is legally impossible and constitutes a form of extortion to charge interest on a debt that does not exist. This act of " collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' is a severe violation of FDCPA 808 ( 1 ). XXXX has demonstrated a complete and willful failure to perform its legal due diligence to validate this debt. Instead, they have chosen to operate as a predatory actor, ignoring facts and laws in a blatant attempt to extort money they are not owed. Their actions have caused significant and ongoing distress. I demand the CFPB hold XXXX fully accountable for their illegal tactics and compel them to provide immediate resolution.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Cant open bank account do to fraud being done on my account years ago by someone who tried stealing my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am trying to get a reissue of bank cards,,, as I do not have American mobile phone number I can not verify my identity. I was advised to open XXXX XXXX account which I have done to verify my identity. The bank phoned Wells Fargo to confirm I say who I am but they will still not find a solution. Before leaving States I visited my bank to change mailing address and advise them I was going to XXXX long term. I was never told I needed American phone number to access my account. I receive my pension into this account and have been unable to access since XX/XX/XXXX. I just want to find a resolution to this problem,,, I am financially in dire straights. Returning to USA not an option, I do not have the funds. I just want access to my account...

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