vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Chase bank and purchased a {$30.00} checkbook. I was called on XX/XX/XXXX by Chase telling me to come back to the branch to fix an error Chase made when opening my account. I did and was told everything was fixed and good to go. On XX/XX/XXXX, my account was closed, without warning, and all of my funds were mailed to my house via check. They will not tell me the reason the account was closed, but i was able to get all of my money. When I asked about a refund for the {$30.00} checkbook, they told me " I would have to eat the loss on that. '' I have been back to multiple Chase branches asking for this money and they have all been unable and unwilling to help me get that money back. They now ignore my calls and emails and the Customer service line can not assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IL

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
US BANK ACCOUNT CLOSURE. Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. BANK regarding the unexspected closure of my account. The bank terminated my account citing " suspicious activity '' related to legitimate XXXX payments i received from other individuals. Additionally, the bank expressed concerns about a XXXX XXXX transfer i made, which was also a legitimate transaction. The bank collected some information but proceeded to close my account. This abrupt closure has caused significant inconvenience and financial disruption to my banking relationship and daily transactions. I believe this action was taken without proper justification and request a thorough investigation into US BANK 's handling of my account closure. I am seeking a resolution that includes a full review of my case and appropriate remedial action to address this unjustified account closure. Thank you for your prompt attention to this matter and I look forward to your assistance in resolving this issue. Furthermore, the bank made unfounded assumptions about the legitimacy of individuals sending me money through XXXX, characterizing these senders as suspicious without providing any evidence or allowing me the opportunity to verify these legitimate transactions with my contacts. I respectfully request that US BANK provide a detailed explanation for their decision and restore my account to good standing. Sincerely, XX/XX/year>XXXX 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 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOP Pioneer Partners LP
State: WA

Complaint narrative:
* * Subject : * * Request for Documentation of Closed Loan Unable to Obtain Account Status I am submitting this complaint because I have been unable to obtain documentation regarding the final status of a personal loan despite multiple attempts to contact the companies involved. Between approximately XXXX and XXXX, I obtained a personal loan originally issued by Pioneer Military Loans. The loan balance eventually increased to approximately {$5000.00} due to accumulated interest when I experienced financial hardship and was unable to maintain payments. According to my understanding, the account was charged off XXXX XXXX. I have since attempted to obtain documentation confirming whether the account was settled, closed, or transferred. I have contacted the following companies in an attempt to obtain documentation : Pioneer Military Loans original lender XXXX XXXX XXXX servicer that reportedly received the account after Pioneer XXXX XXXX XXXX company that may have handled the account after charge-off. Each company has informed me that they either do not have the records due to the age of the account or directed me to another company. As a result, I have been unable to obtain any written confirmation showing the final disposition of the account. I am currently required to provide documentation regarding the status of this loan for military administrative requirements. However, because none of the companies involved will provide documentation confirming the account status, I am unable to meet that requirement. I respectfully request that the companies involved review their records and provide written confirmation of one of the following : Whether the account was charged off, transferred, or sold Whether the account balance remains active Whether the account has been closed or is no longer being serviced by their organization Confirmation that they do not hold or service any active account under my name I am simply seeking written clarification regarding the final status of this loan so I can provide accurate documentation. Thank you for your assistance in helping resolve this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I went to XXXX XXXXXXXX XXXX in XXXX and bought XXXX XXXX because it was around the XXXX XXXX XXXX. The restaurant accidentally overcharged me and made me pay {$490.00} when the XXXX XXXX were only {$40.00}. They told me they refunded it but I saw on my credit card statement with Apple Credit Card that the purchase went through still. I called it in XX/XX/year> to dispute the charge but Apple credit card via Goldman denied the dispute saying i authorized it. When I called in again to dispute it saying it was authorized but not for the amount, they stated that because I paid with my phone XXXX authorized it, that im liable for it. I DID NOT AUTHORIZE THE {$500.00}. Ive been disputing this charge over XXXX times in the last XXXX months and they are trying to hold me accountable for an amount that I did not authorize!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
Fraudulent transactions and identity theft occurring while I was physically incarcerated. XXXX XXXX has denied my claims ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) based on flawed logic and is refusing to apply federal " extenuating circumstances '' protections. Details : I was an inmate at the XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX ( Booking XXXX XXXXXXXX ). During this period, my roommate stole my XXXX State ID, cellphone, and laptop to fraudulently access my XXXX XXXX account. Violations of Regulation E ( 12 CFR 1005 ) : Physical Impossibility : XXXX XXXX denied my claims because the transactions were " local '' and used a " correct PIN. '' However, I was in a secure XXXX XXXX with no access to my devices or ATMs. The proximity is explained by the suspect being my roommate. Extenuating Circumstances : XXXX XXXX is refusing to investigate older transactions, citing a XXXX reporting limit. Under 12 CFR 1005.6 ( b ) ( 4 ), banks must extend reporting timelines for extenuating circumstances such as incarceration. I reported the fraud immediately upon my release on XX/XX/XXXX. Failure to Investigate : Despite providing Police Report # XXXX and official incarceration records, the bank has not addressed the fact that I was legally XXXX during the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a middle class XXXX XXXX in XXXX, the amount on the card was {$350.00} on to a debit card released by XXXX XXXX middle class Tax refund. I saved the debit card for emergency, but because it is about to expire, precisely on XX/XX/XXXX, I decided to use it. When I tried to use it the amount on it was {$0.00}. I called the costumer service at Money Network to ask for clarification, they gave me the breakdown of the transactions made : XX/XX/XXXX at XXXX at the store XXXX XXXX in Riverside XXXX California for the amount of {$110.00} XX/XX/XXXX at XXXX at the store XXXX in XXXX, California for XXXX amount of {$130.00} and at the same store at XXXX for the amount of {$100.00}. I am absolutely sure I never used it, and I believe somebody, who worked for me in the past, may have used it without my consent. I assure the representative that I do not purchase at those stores and I live in XXXX XXXX, California. I do not go to XXXX. I proceeded to file a dispute. They sent me a new card, which in theory should have had the {$350.00} refunded on it, as the representative told me. I activated the new card and used it, but it was declined. I call costumer service of Money network once again, they said they denied my dispute because it was filed too late, compared to the transactions made in XXXX and I did not submitted any evidence that it was not me purchasing at those store in XXXX. I do not any evidence to prove it was not me because I did not made those purchases. They could not help me get my refund back.

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 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: GA

Complaint narrative:
The account in question is currently being reported with conflicting balances depending on the credit bureau. One report shows the balance as approximately {$12000.00}, while another lists the balance as {$6500.00}. Additionally, the account does not appear on all three credit reports, which raises serious concerns about the accuracy and validity of the reported information. Also the almost {$12000.00} one is under property receivables in the {$6500.00} one is under a completely different credit company These discrepancies clearly indicate that the information being reported is unreliable and potentially inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated and verified, including documentation showing how the balance was calculated. If the creditor or reporting agency can not provide accurate verification of the correct balance and reporting details, I request that the account be corrected immediately or removed entirely from my credit report. Please also provide the following : Verification of the original debt amount A complete payment and charge history Documentation supporting the current reported balance Explanation for the inconsistent balances reported across bureaus Until this matter is properly verified, the information should not continue to be reported inaccurately. Thank you for your prompt attention to this matter. I look forward to receiving the results of your investigation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLANDCREis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis a debt collector. They are falsely reporting on my credit!! Account number is 33406is 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
Consumer complaint received 2026-03-11 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I got scammed on XX/XX/2026 from XXXX XXXX I was selling a bike he wanted to send money threw XXXX and I received an email from XXXX it would not go through bc of the limit amount it didnt go through do I order to get I had to send extra money {$500.00} and then it would get deposited back I thought it was ok bc I called XXXX and said yes. The called XXXX back and said it already paid and the cound not get it back they did with chime, and XXXX XXXX all with my email only. I feel I should get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX XXXX under FRCA-623 and the FDCPA. I am requesting this account be removed due to no verified contracts or legal reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # 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
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XX/XX/year>, a debt collection company sent an email containing my name and a link to a payment portal associated with an alleged debt to an email address that does not belong to me. The email address belongs to my parent, who is not a co-signer, joint account holder, spouse, or authorized representative on the account. The email referenced my name and directed the recipient to a portal to view payment offers related to the alleged debt. The link provided in the email was not password protected and allowed access to account information including the name of the creditor, the alleged debt balance, and an account number associated with the debt. Because the email was sent to a third party, that individual was able to view this information. I did not provide or authorize the use of this email address for any account associated with me. After learning about the email, I contacted the company to report the issue. During that conversation, the company stated that the email address was obtained during the sale or transfer of the account. I asked the representative to provide the contact information currently listed on my account and the source of the email address they used. The representative refused to disclose the contact information on file or provide documentation showing when or how that email address became associated with my account. I requested documentation showing the source of the email address and validation of the alleged debt, but the company has not provided proof demonstrating that the email address belongs to me or that it was authorized for use. Sending a communication referencing my name and providing a link that allowed a third party to access creditor information, an alleged balance, and an account number appears to be an improper disclosure of debt-related information. I am requesting that the company explain how the email address was associated with my account, provide full validation of the alleged debt, and confirm that the third-party email address has been removed from their records to prevent further unauthorized disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: Rausch Sturm LLP
State: MN

Complaint narrative:
Dear Counsel, I am writing regarding the arbitration matter involving XXXX XXXX. As you are aware, the arbitration was properly initiated pursuant to the XXXX XXXX Agreement. I complied in good faith with all required procedures ; however, the arbitration was later administratively closed due to XXXX failure to pay the required arbitration fees. You previously communicated with me regarding this dispute while the arbitration was pending, which confirms that XXXX had notice of the arbitration and the opportunity to participate. However, I did not receive any further communication while the matter remained open. Given these circumstances, I would appreciate clarification of XXXX position regarding the arbitration. Specifically, please advise whether XXXX intends to cure the nonpayment of the required fees so that the arbitration may potentially be reinstated, or how XXXX intends to proceed with this matter.

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 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I recently refinanced my loan from XXXX XXXX XXXX XXXX ) to another company. Shortly after my Refinance, XXXX merged their site with rocketmortgage. It has taken weeks to get my tax documents. XXXX sent an email saying they were available online but would not be mailed. Fine. I attempted to login and get ( depending on the day ) : Wrong password, something has gone wrong, or account not found. Fine. Account issues happen. The problem I have is that it is impossible to get ahold of anyone to work on these issues. Calling their customer service line leads to a prompt saying " your loan has been paid in full please say one of these options : payoff notice, tax documents, etc. I have tried every option and they all lead to the automated system telling me to login to get my documents. There is no way to get someone on the phone if your loan has been paid off. All Roads lead to their website which doesn't work. No way to talk to someone about login issues on their website. Trying to use the customer support chat on their website leads to a " talk to a live representative button '' that when clicked says we are busy. login to chat with a representative or try again another time. I even logged into the IRS website to see if my documents had been filed with them. As of XX/XX/year> my XXXX from XXXX XXXX are not available from the IRS website either. After literally 4 weeks of trying I finally managed to get into my account today after multiple password resets to get my documents. It is insane that there is no way to get help with account login issues when every customer assistance route leads to " login to your account '' Basic internet search brings up XXXX of similar issues with this company in the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is an escalation regarding Wells Fargo 's ongoing denial of account access and failure to honor a promised resolution. My checking account ( ending in XXXX ) is fully verified, open, and in good standing. Wells Fargo representatives explicitly promised that my debit card would be reissued and available starting XX/XX/year>. However, the bank broke this commitment and the option remains unavailable in my online portal. Instead of honoring their word and mailing a replacement card, Wells Fargo is now arbitrarily demanding that I physically visit a branch to have a standard debit card issued. Imposing an in-person requirement for an existing, fully verified account is an artificial barrier and an unreasonable burden, completely inconsistent with standard digital banking practices. Furthermore, when I requested the risk report or objective documentation justifying this continued restriction and the in-branch requirement, the bank failed to provide it. Wells Fargo is restricting my ability to manage my funds without objective justification. This matter is also currently under formal review by the OCC ( Case # XXXX ). My phone number is 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