vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith Carroad Wan & Parikh, P.C.
State: NY

Complaint narrative:
The problem question did not have the correct answer for me to pick. I picked debt no mine as there was no other option that matched my issue. I hired an attorney for a divorce and they have been overbilling, Double billing and excessive billing. There is alot more to it that it is not just about billing. I had to hire another attorney because they were dragging my case and charging for things not needed at the time and they gave me an inexperienced new attorney after his partner quit. I filed a complaint with the grievance committee and they told me to file a fee dispute with the bar. They did not inform me I had 30 days. After I got the paperwork and was complying my evidence. The lawyer sent me a fee dispute packet, since I already received it from the bar I did not read that they lawyer said I had 30 days to file. I had to get phone records that I didn't have, and go through all our emails from the 8 months they were on my case. It was during XXXX, XXXX, new years and I was also going through a hard time and had an XXXX XXXX XXXX to XXXX from for my XXXX I was still living with. I worked all day and went to my daughters house and came home late everyday to avoid him. I was not in the right mind set. If I knew about the time limit I would have done my best to complete it. The bar won't take my case not only because of the 30 day clause. THe fact remains the billing is still incorrect and the attorney will not correct anything. I pointed out everything. Showing they billed me for 18 minutes on a 6 minute call, they charged me to correct their errors, there were duplicate charges, they drafted forms the judge never said there would be a trial for and they never gave these documents to my husband which were things he was required to do if there was a trial but we did not even have mediation yet. Long story short, they sent my bill to collections and they contacted me and I have been telling them the billing is incorrect. They keep going back and forth and their client the lawyer will not look or discuss the bill. I provided all the proof and everything in detail. The bar also stated that lawyers can still go along with the dispute with them but he said no. He has the choice to. What is my recourse since this lawyer will not discuss or remove anything that is incorrect and this debt/lawfirm is asking for the full amount. I also would like to note that they have already been paid {$9400.00}, they state I owe another XXXX which they excessively overbilled my last statement after I went to another firm and fired them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: NY

Complaint narrative:
I am reporting a series of unauthorized electronic fund transfers from my personal checking account held with JPMorgan Chase Bank , N.A . Between XX/XX/XXXX, and XX/XX/XXXX, a total of 32 unauthorized ACH transactions totaling {$7600.00} were debited from my account. These transactions were identified as payments to XXXX. I did not authorize these transactions, did not provide my banking information to XXXX, and have never been a XXXX customer. Upon discovering the unauthorized activity on XX/XX/XXXX, I immediately notified Chase, filed a police report, and initiated a fraud claim. Chase acknowledged the claim and provided a limited temporary credit but indicated restrictions on the scope of reimbursement. These transactions represent unauthorized electronic fund transfers. I acted promptly upon discovery and fully cooperated with the investigation. The transactions were recurring and processed over an extended period without my authorization. I am requesting that Chase : 1. Reimburse the full amount of {$7600.00}. 2. Conduct a full investigation of all unauthorized ACH transactions. 3. Confirm what safeguards were in place and why the unauthorized transactions were not detected earlier. 4. Provide a written explanation of any limitations applied to reimbursement. This matter involves a significant financial loss due to unauthorized withdrawals, and I am seeking a full resolution in accordance with applicable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Ive submitted multiple disputes with credit agencies between XXXX I sent the collections agency a copy of the court ruling, they reduced the debt instead of removing They continue to tell to credit agencies that the debt is verified, even though I sent the a copy of the court judgment. I have contacted the district manager and she never returned my calls. Ive reached out on the new management companys XXXX page

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I financed orthodontic aligner treatment through XXXX via a Retail Installment Credit Sale Contract for {$1800.00}, processed by XXXX XXXX XXXX, XXXX. I made payments faithfully toward this obligation. XXXX ceased operations and filed for bankruptcy in late XXXX. At that time, I was near the end of my treatment and had not yet received my final retainers, the items required to complete and maintain my results. Because XXXX closed, I was unable to receive the remaining contracted services or obtain replacement retainers. My XXXX shifted back, and I have been advised by a XXXX that I will need to restart XXXX treatment entirely. I stopped making payments because the contracted services were never fully delivered. This is a failure of consideration, which is a valid defense under contract law. The debt has since been placed with TekCollect, Inc. I sent a debt validation letter to TekCollect, which they responded to on XX/XX/XXXX with documentation of the original contract. Critically, my original contract contains the FTC Holder Rule notice, which states that any holder of the contract is subject to all claims and defenses I could assert against the original seller. TekCollect can not separate itself from XXXXXXXX XXXX failure to deliver services. I am requesting that the CFPB direct TekCollect to : ( 1 ) cease collection activity on this account; and ( 2 ) remove any associated negative tradeline from all three consumer credit reporting agencies. This debt is not enforceable because the original creditor failed to complete the contracted services.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: AE

Complaint narrative:
A federal student loan ( or loans ) were taken out in my name. A letter was sent to my parents address, addressed to me. The letter is from Nelnet, XXXX XXXX of XXXX XXXX XXXX. It is dated XX/XX/year>. I am in the XXXX XXXX and stationed in XXXX. My mother forwarded the mail to me. I just received it today, XX/XX/year>. The letter is claiming that there are two student loans taken out in my name ( XXXX : {$3500.00} and XXXX : {$3300.00} ). The letter directs me to go to XXXX and login to manage the loan. I am unable to access that account as it asks for the phone number and email address used to request the loan. I did not request this loan. I am XXXX XXXX XXXX, I am an XXXX in the XXXX XXXX. All of my school was paid for with the XXXX XXXXXXXX and Tuition Assistance while on XXXX XXXX. I can not see which school this loan was paid to. I also have not lived at my parents address for XXXX years. Someone has used my information to fraudulently receive a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On Thursday XX/XX/XXXX I went through the drive-up ATM at M & T bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I attempted to withdraw {$1000.00}. The ATM asked if I wanted to change the bill mix and I selected that I did. I could hear the machine counting the money, but it never dispersed it. A message appeared that the machine was now temporarily out of service. I pulled out of the drive through and entered the building where an M & T employee said the machine was finicky. She filed a dispute for me immediately and then sent me to the counter to receive the withdraw of {$1000.00}. My online account showed {$1000.00} ATM withdraw ; {$1000.00} credit and then {$1000.00} teller withdraw. Yesterday morning M & T took the money back and when I got home there was a letter stating they were denying my claim because it was properly processes. It couldn't have been processed properly because I didn't receive the money. I spent XXXX minutes on two calls with M & T employees. Calls started around XXXX XXXX XXXX XXXX where XXXX apologized but stated he could offer additional assistance. In fact, he recommended I file a police report for the stolen {$1000.00}. I then spoke to a manger XXXX employee code ( XXXX ). She confirmed the poor investigation and rewrote the complaint with additional details. Report # XXXX. I went back to the branch today and spoke with the same employee that wrote my initial complaint. She said she would attempt to escalate all while they are improperly holding my funds. I have been a member of this bank since XXXX. I have personal checking, savings and line of credits through them in addition to Business accounts and business credit cards. In this time of technology, I'm baffled by their poor investigation and their theft of my {$1000.00}.

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 2026-04-30 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: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I received an alert that a payment on my Citi Double Cash Card was late. A payment of {$150.00} was made on XX/XX/XXXX. The minimum due was {$110.00}. The due date for my payments is the XXXX of each month. The company would not refund the late charge. In fact, they said I still owe {$19.00}, which I scheduled for my next pay day, which is tomorrow, XX/XX/XXXX. I always pay more than the minimum due. Always. I am working hard to improve my credit, as I my goal is to clear all of my debt so I can buy a house. For the month of XXXX, three payments were made - XXXX - {$75.00}, XX/XX/XXXX - {$75.00}, and XX/XX/XXXX - {$2500.00}. For every month prior, back to XX/XX/XXXX, two payment were made each month. After I paid the {$2500.00}, within days, my credit limit was decreased from {$4300.00} to {$430.00} with no explanation. Prior to paying off another large amount on this card last XXXX ( XXXX ), as it was used for a credit transfer card, my limit was decreased from {$5100.00} to {$4300.00}. Also, no explanation. This one I let go, as I didn't think too much about it. It wasn't a significant drop. But now I see that paying my debt has gotten me punished, as it seems Citibank is eager to collect as much interest as they can. Me paying large amounts off at once ruins that for them. I don't see any reason for any of these transactions on their part.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I requested validation of account. Original contract, date of debt. Etc. Also informed that I haved not lived that the alleged address in over XXXX years and that the statute of limitations for collecting debt in XXXX is 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2026, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi 's official inflight offer portal ( XXXX ) after seeing a pamphlet in the seatback pocket on XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX The portal displayed an offer of XXXX AAdvantage bonus miles after {$1000.00} in purchases within XXXX months, along with a {$99.00} annual fee waiver. The flight attendant was unable to provide a 6-digit promo code when I explicitly asked him for it. I completed my application directly through Citi 's own hosted platform. My account was approved within minutes. Citi has honored the {$99.00} annual fee waiver from this exact promotion but is refusing to honor the XXXX mile bonus. Their XX/XX/2026 response from the Office of the President claims the offer on my account was for XXXX miles after {$2500.00} spend directly contradicting what their own portal displayed. I have screenshots of the portal as documentation. The two previous letters from them clearly show they did not even look at the screenshots or other documentation I provided to them. Despite multiple emails ( with screenshots of the offer ), phone calls, social media outreach, and two certified letters including one to XXXX XXXX XXXX 's office, Citi has refused to resolve this. My bonus qualification window closes XX/XX/2026.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: NC

Complaint narrative:
I requested a letter to verify the debt. The company claimed they mailed it to me. But I did not receive it. When I asked to recite the address, they did not have the apartment number.

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 2026-04-30 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Complaint Against Affirm Billing During Active Dispute & Risk of Inaccurate Credit Reporting I am filing a complaint against Affirm regarding improper billing activity and potential inaccurate credit reporting during an active dispute. Account Details : Merchant : XXXX XXXX XXXX ( listed as Guy on my account ) Loan ID : XXXX Case ID : XXXX Loan Amount : {$2600.00} Loan Date : XX/XX/XXXX Summary of Issue : I opened a dispute with Affirm regarding defective and incomplete automotive work performed by the merchant. The dispute was formally acknowledged on XX/XX/XXXX. On XX/XX/XXXX, an Affirm Resolution Team representative explicitly stated in writing that : I am not responsible for making payments during the dispute, and I would not receive billing reminders while the investigation is ongoing. Despite this, I have continued to receive payment reminders, and another representative later advised me that a payment is due. This directly contradicts the earlier written communication from Affirm. Dispute Background : Initial attempt to resolve with merchant : XX/XX/XXXX Follow-up attempt : XX/XX/XXXX ( merchant stated issue would be covered under warranty but failed to fix it ) Cancellation attempt : XX/XX/XXXX due to poor workmanship and failure to complete service I paid {$2100.00} on XX/XX/XXXX to have the defective work corrected by another party Nature of the Service Issue : The merchant damaged my vehicle during installation by breaking and cross-threading critical suspension components, resulting in unsafe and incomplete work. The merchant refused to properly repair or replace the damaged parts. Key Concern : Affirm has stated I am not responsible for payments during the dispute, yet continues to send billing reminders and indicates payments are due. This creates a risk that Affirm may report inaccurate delinquency information to credit bureaus. Impact : Ongoing stress and confusion due to conflicting information Concern over potential damage to my credit from inaccurate reporting Inability to rely on Affirms stated dispute protections Requested Resolution : Immediate cessation of all billing reminders while the dispute is active Written confirmation that no negative or delinquent information will be reported to any credit bureau during the dispute Assurance that my account is properly flagged as in dispute across all systems Confirmation that Affirm will correct any inaccurate reporting if it has already occurred I have attempted to resolve this issue directly with Affirm but have received inconsistent and conflicting responses. I am requesting the CFPBs assistance in ensuring Affirm complies with fair billing and credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I am writing to file a formal complaint against NATIONAL CREDIT ADJU for their violation of my consumer rights as outlined under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). The collection agency has placed an inaccurate account on my consumer report without providing any validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given an opportunity to dispute the account, which is my right under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The actions of NATIONAL CREDIT ADJU are not only in violation of federal regulations but also constitute false, misleading, and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding a debt being collected by Caine & Weiner on behalf of XXXX XXXX in the amount of {$700.00}. This balance stems from charges added by XXXX for additional drivers and vehicles that I did not authorize. I disputed these charges directly with XXXX, but they stated they " could not retroactively remove them. '' After the account was sent to collections, I formally disputed the debt with Caine & Weiner. Their representative acknowledged the dispute and noted that the account would remain disputed while verification was obtained from XXXX. However, before the dispute was resolved and without providing validation of the debt, the account was reported to XXXX just days before I was scheduled to close on a home. To date : I have not received adequate validation of the debt. I have not received documentation proving I authorized the additional charges. The account was reported to a credit bureau while actively disputed. What I want : Full validation of the debt, including an itemized breakdown of the charges and documentation showing that I authorized any additional drivers or vehicles added to the policy. Confirmation that the account is properly marked as " disputed '' with all credit bureaus. Removal of the account from my credit report if proper validation can not be provided. Investigation into whether reporting this account prior to resolving the dispute violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Subject : Debt Validation and Credit Reporting Dispute To Whom It May Concern, I am writing to formally dispute the alleged collection account being reported under the name LVNV Funding LLC on my credit report. I do not acknowledge this debt and request full validation of this account. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that your company provide complete documentation verifying that I am legally responsible for this alleged debt, including : - Original signed credit agreement - Chain of ownership of the debt - Full payment history and itemized balance - Original creditor name and account number - Proof of assignment to LVNV Funding LLC If you can not provide proper legal validation, I request that this account be immediately removed from all credit reporting agencies and that all collection activity cease. My identifying information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last Four of XXXX : XXXX Current Address : XXXX XXXX, XXXX, XXXX XXXXXXXX Please provide written confirmation of your findings within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation