vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote XXXX checks via XXXX XXXX, each for {$100.00} for XXXX presents XXXX minor children. They received the chekcs and deposited them in their bank accounts on XX/XX/XXXX. Today, I received a notice that the checks had been returned. I confirmed with the mother that the checks had been received and deposited. However, she pulled up the accounts and found the deposits had been cancelled on XX/XX/XXXX. I called Wells Fargo ; getting to a human being was painful and deserves its own complaint, but not now. I went through two levels of alleged customer service only to be told that they don't know what happened but it's not a Wells Fargo problem. It is, and the money has been in never-never-land for 10 weeks. A similar issue happened in XXXX. Then both the recipient and Wells Fargo blamed each other when it happened. A week later, Wells Fargo sent an email saying they had a technical difficulty. But customer service today denied that ever happened. Being told to 'just rewrite the checks is an incredibly lazy and unprofessioal response. But that is the response of the alleged customer service supervisor. Meanwhile, my {$300.00} is lost and I'm told to wait three days.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
For the past 120 days or more I have been being harassed by their debt collection department via email, phone, sms etc. and I am not delinquent and have no late or missed payments. When we contacted Mohela they admitted it is an error on their side but the problem continues and I am also have concerned it might be affecting my personal credit. See screen shots showing a recent false dept collection email I received today and a screen shot of my Mohela account online.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone impersonated me at 3 separate Chase Banks in Georgia and they were cashed by someone who forged my signature on checks they stole from some other third party. It was 3 separate checks from 3 separate accounts all totaling {$10000.00}. I was returned {$3500.00} cents in my checking account, but funds were not high enough to cover the remaining {$7000.00} so they pulled the funds out of my savings when all the checks bounced because they were stolen or fraudulent. I reported all this within 1 day of receiving an email from Chase bank about the funds and this was XX/XX/XXXX. I have sent in all necessary paperwork and got confirmation on both the fax I sent and emailed it form my local branch all in the last 14 days. I still do not have my {$7000.00} as of XX/XX/XXXX. The checks were cashed over XXXX miles away with a signature that clearly doesnt match mine and they were cashed at XXXX separate branches within the first week of XXXX. Over 1 month has passed and I should expect my money in a reasonable time and that time came and went after 10 days of the funds being removed. I get hung up on constantly and not a single person at Chase seems capable to be able to even provide temporary funds until investigation is complete.

Company response to consumer: Closed with 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Booked hotel through Capital One and gave me the full price breakdown Accommodation total * {$470.00} Taxes and fees total {$46.00} Additional fees at check-in {$31.00} Paid for the full thing to only get an additional {$64.00} mandatory amenities fees the morning i was checking out. ( They didn't ask to pay the XXXX when checking in, but asked for XXXX at checkout without telling us upfront )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I disputed late payments reported on my Indigo Mastercard account ending in XXXX issued by XXXX XXXX and serviced by Concora Credit Inc . The company responded to my CFPB complaint stating that the delinquency between XXXX and XX/XX/year> was reported correctly. However, they only referenced internal records and stated that billing statements were mailed and reminders were sent by email. They did not provide proof that billing statements were sent at least 21 days before the due date as required by federal law, nor proof of written notice of negative reporting. Because proper documentation was not provided, the late payment reporting is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an account with my daughter on XX/XX/XXXX she deposited a check for {$2000.00} and on the receipt it said that it would hold the funds until the sixth, and if there was any issues, they would notify by the fifth the bank institution, which is Truist bank closed all the accounts froze all of the money and we have been not able to get funds out of any of the accounts until yesterday and they are still holding the other original {$2000.00} amount I have provided every document that I can I have went to the branch. The branch manager is also working on this on my behalf, and neither one of us have got any answers to any of our questions or reasoning I have got automatic withdrawals coming out of that account now bills are not getting paid. We were not able to buy groceries for ourselves or for our grandson who needs baby formula and the issue is still not resolved after many many attempts to try to resolve everything.

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: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I am filing a formal complaint against Sequium Asset Solutions for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Sequium is currently reporting an unverified collection account on my consumer credit files allegedly originating from XXXX XXXX XXXX for {$570.00}. I submitted a formal demand for debt validation. On XX/XX/year>, Sequium responded with a generic move-out statement but completely failed to itemize the alleged damages or fees, violating 15 U.S.C. 1692f ( 1 ). Furthermore, Sequium failed to provide a Bill of Sale, Assignment of Debt, or Forwarding Contract proving their legal Chain of Title and authority to collect this debt. I replied to them demanding the itemized accounting and contractual chain of title, or deletion of the account. On XX/XX/year>, Sequium responded via email stating they felt their documentation was sufficient, escalated the matter back to the original creditor, and placed a " cease and desist '' on my file to stop communicating with me. By ceasing communication without verifying their legal standing and failing to provide the requested legal documentation, yet leaving the derogatory mark on my credit reports, Sequium is knowingly furnishing unverifiable data in direct violation of the FCRA.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing a complaint regarding repeated credit limit reductions on my Synchrony Bank credit card account that appear to occur immediately after I make significant payments toward my balance. For example, my most recent statement shows a previous balance of {$2700.00}. I made a payment of {$1000.00} in an effort to significantly reduce my balance and improve my credit utilization. However, despite making this large payment, my available credit is currently only {$62.00} with a credit limit of {$2100.00}. This has been an ongoing pattern with my account. Each time I make a large payment toward my balance, Synchrony Bank lowers my credit limit shortly afterward. As a result, my credit utilization remains extremely high even after I make substantial payments. This practice effectively penalizes responsible payment behavior. Instead of my payments lowering my utilization and helping improve my credit profile, the repeated credit limit reductions prevent any meaningful improvement and keep my available credit extremely low. This practice appears consistent with what is commonly referred to as balance chasing, where a creditor repeatedly lowers a customers credit limit after payments are made. This undermines a consumers ability to reduce utilization and improve their credit standing despite making significant payments. Additionally, these repeated reductions may also affect how my account is reported to credit bureaus, which could unfairly impact my credit score even though I am actively making substantial payments to reduce my balance. I am requesting that Synchrony Bank review the credit limit reductions on my account, provide a clear explanation for why these reductions are occurring immediately after payments are made, and consider restoring my previous credit limit so that my efforts to responsibly pay down my balance are accurately reflected in my available credit and utilization.

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: 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: GA

Complaint narrative:
Within the past several weeks I began receiving multiple unauthorized charges from XXXX on my debit card associated with my checking account at JPMorgan Chase Bank. Chase flagged several of these transactions as fraud and issued multiple replacement debit cards. During this process I was advised by Chase that my account had been compromised and that the safest course of action would be to close the account and open a new one, which I did. Despite taking the steps recommended by the bank to protect my account, a new unauthorized charge in the amount of {$1400.00} from XXXX appeared on the new account that had just been opened. I did not authorize XXXX to access or debit this new account in any way. I immediately reported the transaction to Chase and filed a fraud claim. I explained that the account had previously been compromised and that the bank itself had advised me to close the original account and open a new one. I also explained that I had never authorized XXXX to access the new account. Chase opened an investigation but ultimately denied my claim and did not reimburse the funds. I filed a second claim to dispute the transaction again, providing the same explanation that the charge was unauthorized and that the bank allowed a merchant connected to a compromised account to debit my newly opened account without my consent. This claim was also closed without reimbursement. Given that Chase acknowledged the account compromise, issued multiple replacement debit cards, and instructed me to close the original account, I am concerned that the bank failed to properly block unauthorized access from this merchant and failed to adequately protect my new account. I am requesting that Chase conduct a proper investigation under the Electronic Fund Transfer Act and Regulation XXXX and reimburse the unauthorized transaction of {$1400.00}.

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: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am requesting documentation necessary to verify the accuracy and ownership of my credit card account. Currently, I do not have complete monthly account statements or records that allow me to independently verify the balance, finance charges, fees, and payment history associated with this account. Without this information, I can not confirm whether the amounts claimed are accurate or compliant with the Truth in Lending Act ( TILA ).

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IN

Complaint narrative:
Validation of Debt Request - TRUEACCORD XXXX XXXX XXXX XXXX XXXX XXXX * * XXX 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 : XXXX. 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Good morning, I'm writing to request assistance regarding a significant delay in the processing of my XXXX XXXX XXXX XXXX ( PSLF ) buyback request currently being serviced by the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ). I'm an active-duty member of the United States XXXX and have worked in qualifying public service since XX/XX/XXXX, relevant to my XXXX eligibility. I submitted my PSLF buyback request in XX/XX/XXXX through the Federal Student Aid XXXX. As of today, the request has been pending for approximately XXXX months without resolution or meaningful status updates. Despite multiple attempts to obtain clarification from XXXX and Federal Student Aid, I haven't received a clear timeline for review or completion and am expected to pay XXXX XXXX monthly payments until the application is processed in " 6 months to a year. '' Because the XXXX program is intended to support individuals serving in public service roles, including military service members, this extended delay is concerning and creates uncertainty regarding my loan status and financial planning. I respectfully request assistance in the following : -Confirmation that my XXXX buyback request submitted in XX/XX/XXXX has been properly received and is actively under review. -A status update explaining the current stage of the review process. -An estimated timeline for completion of the PSLF buyback determination. Respectfully, XXXX XXXX XXXX of Birth : XX/XX/XXXX Cell # XXXX

Company response to consumer: Untimely response
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: CL Holdings LLC
State: AL

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 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: Live Oak Financial, Inc
State: GA

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of a collection account being reported on my credit report by XXXX Collect XXXX The account reports an open balance of {$330.00} and identifies XXXX Collect XXXX the original creditor. However, XXXX Collect XXXX to be a collection agency and not the original creditor of any consumer obligation. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information and credit reporting agencies are required to ensure that all reported information is accurate and complete. Reporting a collection agency as the original creditor fails to properly identify the true source of the alleged debt and prevents me from verifying the legitimacy of the account. At this time I have not been provided documentation identifying the true original creditor, the nature of the alleged debt, or documentation showing that I am legally responsible for the balance being reported. Because the tradeline appears to contain inaccurate or incomplete information regarding the identity of the original creditor, I am requesting that this account be properly investigated.

Company response to consumer: Untimely response
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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing regarding the company National Credit Systems XXXX is reporting on my credit report as of XX/XX/year> with a balance of approximately {$5900.00}. Please help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt, including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

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: Security Credit Services, LLC
State: SC

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 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: Western Management Consultants
State: IL

Complaint narrative:
I got a text message from a company called " Western Management Consultants '' on XX/XX/26 saying I owed {$3300.00} from a XXXX account. I have never had a XXXX account, and the text included a link to " XXXX '' where it detailed random amounts that compiled to the listed amount above owed to the company and they are now trying to collect this " debt '' from me. They had my first and last name, my birthday, and a very old address I have not lived at for over 7 years. I told them I have never made an account with XXXX, and that I have not lived in the state where they are collecting this debt for years as well so this must be fraudulent and to give me a written debt notification which they could not and didn't even attempt to produce. They mentioned I opened up an account on XX/XX/26, which is quite literally impossible seeing as I have not, and even if I had, which I clearly haven't, I would not have listed such an old address to be contacted to. I asked for all the information they had on this account so I could file a police report because this is fraudulent activity, and they proceeded to get defensive and say that I can't do that because I owe them. They then offered to connect me with an account manager, then hung up on me. After attempts to call back, they repeatedly just hang up on me.

Company response to consumer: Closed with explanation