vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking of fraudulent account ( s ) appearing on my consumer credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The account ( s ) listed below were not opened, authorized, or used by me and are the direct result of identity theft. I am requesting that these account ( s ) be blocked and removed from my credit file within XXXX ( XXXX ) business days, as required by federal law. 

I have enclosed the following documentation in support of my request, as expressly permitted under 15 U.S.C. 1681c-2 ( a ) : A valid FTC Identity Theft Report A copy of my government-issued identification Proof of my Social Security number Proof of my current address Please note : A police report is NOT required under federal law to process this request. The FTC Identity Theft Report constitutes a valid identity theft report under the FCRA. Any refusal to block these fraudulent account ( s ) based on the absence of a police report would be a violation of federal law. 

Fraudulent Account ( s ) to Be Blocked : [ XXXX AT XXXX XXXX ] # # # # # XXXX ( partial ) ] [ XX/XX/year> ] Under 15 U.S.C. 1681c-2, you are required to : Block the reporting of the fraudulent account ( s ) within XXXX business days of receipt of this request Notify the furnisher of the information that the account ( s ) resulted from identity theft Permanently remove the account ( s ) from my credit file unless you have a lawful basis to reinstate them If you fail to comply, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my XXXX XXXX XXXX, and I will consider further legal action. 

Please confirm in writing once the fraudulent account ( s ) have been blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/year> I received notification that a new credit card in my name have been opened by/with Wells Fargo . I immediately contacted them to let them know that the account was opened fraudulently and that I had not submitted any recent credit applications. At that time they did inform me of the address on the account and I let them know it is not my current address and I have not lived at that address ( XXXX XXXX XXXX ) for nearly 20 years. The initial agent I spoke with was helpful and attempted to connect me to their XXXX  department but I could not get through to that department or leave a message. When attempting to follow up, I have not been able to get through to the fraud department despite making multiple calls and in one instance, waiting on hold in excess of XXXX minutes. During my most recent call I was told that the agent could not access the account info, and that it had been locked. I did file a credit dispute and I received the results earlier today which stated the information reported is accurate and that it will not be removed. ( See attached screenshot ) Additionally, please note that I do not have the full account number as I am not the person that opened the 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I am disputing inaccurate delinquency reporting related to my XXXX credit card issued by Comenity. 

Prior to the payment due date, I attempted to submit payment through Comenitys online payment system. The system repeatedly displayed errors indicating that the payment could not be processed due to technical issues. I then attempted to make payment using Comenitys automated phone payment system, which was also unavailable at that time. 

Because both payment methods were inaccessible, I was unable to submit payment despite making good-faith efforts prior to the due date. The resulting late payment was caused by Comenitys system failure, not consumer inaction.

I contacted Comenity to request correction of the resulting delinquency and requested documentation supporting the reported late payment, including system availability records and payment processing logs. Comenity denied my request and claimed no system outage occurred but did not provide any objective documentation to support this claim.

Additionally, Comenity restricts consumer access to historical transaction data. Despite multiple attempts, I am unable to retrieve posted transactions or statements for the relevant period through Comenitys online system, which states that only a limited number of recent transactions are available online. As a result, I can not independently verify records related to my attempted payment while Comenity relies on internal records it has not produced. 

I am requesting correction or removal of the inaccurate delinquency reporting and confirmation that my credit report reflects accurate payment history in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Aqua Finance regarding an alleged debt they are attempting to collect without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I formally disputed the alleged debt in writing and requested full validation, including a copy of the original signed contract, proof of enforceability, and a complete breakdown of the balance. I also requested that all collection activity cease until proper validation was provided.

Aqua Finance later mailed documents in response ; however, their own validation package contains two different account numbers referring to the same alleged obligation. Specifically, the original contract provided shows one account number, while the payment history/statements provided show a different account number.

This material inconsistency prevents proper verification of the debt and raises serious concerns about the accuracy and integrity of Aqua Finances records. I formally requested written clarification explaining which account number is correct, when and why the account number changed, and documentation proving that no terms or balances were altered. 

Aqua Finance failed to resolve this discrepancy and has continued to send collection letters stating that I am responsible for the debt without providing the requested clarification or audit trail. Their explanation of a system conversion was unsupported and did not include dates, system logs, or proof of data integrity. 

Despite multiple written disputes submitted between XXXX and XX/XX/year>, Aqua Finance has continued collection activity without properly validating the debt. As a result, the debt remains unverified under FDCPA and FCRA standards.

I am requesting CFPB intervention to require Aqua Finance to either : Provide complete and accurate validation resolving the account number discrepancies, or Cease all collection activity on this account.

Furthermore, if Aqua Finance can not properly validate the debt, I request that the account be closed and removed from all credit reports, and that no information regarding this disputed debt be reported, updated, or furnished to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Complaint Against JPMorhan Chase I am filing a formal complaint against JPMorgan Chase Bank regarding a prolonged and unjustified freeze on my bank account.

My Chase account has been frozen for over 30 days with no resolution and no clear written explanation. I am XXXX XXXX XXXX, and this account contains my only source of income, including XXXX  income that I rely on to cover basic living expenses such as housing, utilities, food, and medical needs. Due to this account freeze, I am currently experiencing severe financial hardship and am unable to pay my bills or meet essential living expenses.

The funds under review originate from a legitimate real estate sale. The proceeds from the sale were deposited into my Chase account more than two years ago. At the time of deposit, Chase already conducted a review, accepted the funds, and allowed the account to remain open. Since that time, there has been no suspicious or unusual activity on the account.

Despite this, Chase initiated a renewed investigation without identifying any new activity or providing justification for reopening the review. The assigned investigator acknowledged delays due to end-of-year holidays but stated that nothing could be done and instructed me to wait, even after I clearly informed her of my financial hardship and lack of access to funds for basic necessities.

Chase has failed to provide : A written explanation for the renewed investigation A reasonable timeline for resolution Access to my only source of income during this prolonged freeze I am requesting that JPMorgan Chase : 1. Immediately release my funds, or 2. Provide a clear written explanation and a definitive timeline for resolution, and 3. Ensure that my case is escalated to senior Compliance Management in light of my financial hardship.

This prolonged lack of access to my legally obtained funds is causing significant harm and distress. I am requesting the CFPBs assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a default judgment for {$1600.00} XX/XX/XXXX. The lawsuit was filed XX/XX/XXXX by capital one bank. I have not been contacted from capital XXXX bank since XXXX when the account was closed. I have called and inquired SEVERAL times and can not get any answers. I am told capital one employs XXXXXXXX XXXX XXXX for their cases and only they can handle mine yet the lawsuit and debt is in the name of capital one ONLY. I have expressed multiple times that capital one is in breach of the consumer credit fairness act and that they have violated the statute of limitations to sue me without my knowledge for this debt and failed any attempt to contact me regarding this debt. To my knowledge this debt was paid off in XXXX thus why I received no further contact. Capital one refuses to let me speak to anyone who understands the law and how capital one has broken it. This company continues to avoid accountability and refuses to send my records or answer my questions. When asked for recordings of the recorded calls I was told I have no right to them and they are for training purposes and could only be obtained by subpoenas. On the most recent call today XX/XX/XXXX I was hung up on by a capital one representative who was caught lying and evading my question and once I said I was recording my own calls which is my legal right in NYS I was informed she could no longer speak to me as I am not allowed to record my own calls and hung up. Capital one needs to be reviewed for illegal credit collection and practiced as they are in violation of the law and should be held accountable for threatening, harassing and causing emotional stress, frustration and damage to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I don't recall ever receiving a notice from this company trying to collect a debt from the XXXX XXXX XXXX. On top of this, this company has reported the account on my credit reports. This is known as debt parking by the FTC. I have disputed the account and it came back verified as accurate without providing me any documentation to verify the debt. I demand that this company show me proof that they sent me an initial notice pursuant to the FDCPA 1692g by providing the green return receipt or the shipping number of the collection/dunning letter. I also demand that this company provide me with proof of the alleged debt such as a copy of the contract and all the statements. Lastly, I demand that this company provides me proof that they are legally allowed to collect pursuant to New York state laws and the FDCPA by providing a copy of the purchase agreement or assignment agreement. Otherwise I demand that they delete the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have XXXX different Comenity Capital bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have been behind and trying to get caught back up. I am a single mom who lost her mother who raised her two yrs ago, then my second mother died in XXXX I have been spiraling. This company calls and text me from XXXX am until XXXX pm all day every XXXX mins. They even called and text on XXXX and XXXX XXXX. Is this legal? I am trying to work out a plan but I can't call during the day I work two jobs and have not had to time for anything. I am struggling and they are harassing me, they even contacted my emergency contact without my permission. Anything I can do can you advise me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, a {$300.00} XXXX transaction was sent from my Wells Fargo account as the result of a scam. I did not receive any goods or services in exchange for this payment. 

I promptly contacted Wells Fargo to report the transaction as fraudulent and requested that the issue be investigated. However, Wells Fargo did not provide a confirmation number, written acknowledgment, investigation status, or final determination. I received no follow-up communication despite my attempt to resolve the issue directly with the bank. 

As a result, the dispute was effectively abandoned without explanation. Wells Fargo failed to properly investigate or communicate the outcome of my fraud report, leaving the issue unresolved. 

I reported this XXXX transaction to Wells Fargo, but no confirmation number, written acknowledgment, or documentation was provided.

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 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a Citizens Bank Checking and Savings account on XX/XX/XXXX. As part of a promotional offer I received in the mail, Citizens bank offered : - {$300.00} for opening a checking account and making a single direct deposit of {$500.00} or more within 60 days - {$300.00} for opening a savings account on the same date as the checking account and making monthly deposits of {$500.00} or more into the savings account for 3 months in a row starting the month AFTER the accounts are opened. 

On XX/XX/XXXX, I received a {$300.00} bonus for the checking account, but I did not receive a {$300.00} bonus for the savings account. 

According to the terms, I needed to deposit {$500.00} into the savings account in the month of XXXX, XXXX, and XXXX and maintain a {$1500.00} balance as of XX/XX/XXXX. 

I deposited {$500.00} into the savings account on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account balance was {$1500.00} on XX/XX/XXXX. 

Citizens bank has refused to pay the {$300.00} bonus for the savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: CO

Complaint narrative:
I received a notice about a debt that I believe is not mine. The amount listed is {$1500.00}, and it appears to be linked to a company I have never dealt with. I tried to contact the company several times to clarify the situation, but I did not receive clear answers. In addition, I found out that the debt was handed over to a collection agency, which made me feel uncomfortable and worried, as I never agreed to or even knew about this debt. The account was marked as " disputed, '' but I still keep receiving messages about the debt. 

I first found out about this issue when I checked my credit report on [ insert date ], and I've tried to reach the company since then, but there has been no resolution. The last contact I had with the company was on [ insert date ], but there was no progress, and I was left with more confusion than answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : CHARGED-OFF ACCOUNTS : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} NCB Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Unknown Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} INQUIRIES : No inquiries listed at this time. 

LATE PAYMENTS : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Village Capital & Investment LLC
State: MS

Complaint narrative:
We refinanced our VA loan and closed on XX/XX/year>. At closing, we were advised that our escrow balance from our prior loan would be refunded directly to us. 

The payoff statement dated XX/XX/year> shows that our escrow balance of {$3600.00} was deducted from the payoff amount ( Less Current Escrow Balance ), reducing the payoff rather than being refunded to us.

We did not authorize our borrower-owned escrow funds to be applied to the payoff. No written authorization exists. The payoff statement is marked Internal Purpo
ses Only and contains no borrower consent.

Village Capital has stated that only {$740.00} will be refunded, which represents an overpayment and not the escrow funds that were applied without authorization. 

We believe our escrow funds were misapplied in violation of mortgage servicing and escrow handling requirements. We are requesting reimbursement of the escrow funds applied without authorization, less any amount already refunded. 

We respectfully request CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I received correspondence from MOHELA stating that I was now on the XXXX plan with a payment of $ XXXX starting in XX/XX/XXXX. 

On XX/XX/XXXX, I checked the status on the student aid website and when it said my XXXX  application was still pending review on their end, I called MOHELA directly to find out what was happening. When I called MOHELA they assured me that the information regarding the payment of $ XXXX starting in XX/XX/XXXXXXXX  2026 was accurate and that was going to be my XXXX payment moving forward as spelled out in the letter I received on XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter stating that my payment had increased to $ XXXX starting in XXXX  2026. This is a dramatic increase in payment amount and payment due date as well as being contrary to what I had been assured of just the day prior.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
We cancelled our extra warranties after feeling pressured to purchase them after being continually asked why we are not purchasing them. The dealership cancelled them, and mailed a check to Toyota Financial to pay for the warranties we cancelled back to the lender. I called the lender today ( XX/XX/year> ) to ask why it hasnt been applied to my account. Toyota Financial told me they have 30 days to put it on my account. This is fradulent. The check was mail on XX/XX/year>. XXXX  is holding checks to draw interest on the money as long as possible. This is a common complaint on different forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

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

Company response to consumer: Closed with explanation