vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
There is not sufficient legal justification for the addition of approximately {$1100.00} in collection charges. Under 15 U.S.C. 1692f ( 1 ), a debt collector may not collect any amount unless it is expressly authorized by the original agreement or permitted by law. I request documentation showing : The original signed agreement authorizing third-party collection fees. A complete itemization of the balance, including all fees added post-charge-off. The contractual or statutory basis permitting XXXX to impose these fees. As the originating creditor, the Army & Air Force Exchange Service retains responsibility for ensuring that any third-party collection activity on its behalf complies with federal law. Referring me to XXXX does not resolve this dispute. Additionally, given my status as a 70 % XXXX veteran and the circumstances surrounding this account, I request a review for hardship consideration and a determination of whether this account qualifies for any internal relief, waiver, or adjustment. Until proper validation is provided, I dispute the full balance and request that no further collection activity, including additional fees or reporting updates, occur. Please consider this a formal request for validation and investigation. I am prepared to escalate this matter to the Consumer Financial Protection Bureau and other appropriate oversight bodies if necessary. I expect a written response addressing each of the above points. Respectfully, XXXX 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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
b'Jefferson capital committed mail fraud to put a collection account on my credit report and have been reported to the postal inspector. All mail has ceased, but now they are repeatedly calling my phone number. They have called my number XXXX times in the past week from XXXX XXXX This is harassment and The first time they called way back I told them not to call my number again. They tried XXXX times today alone. I have had enough of this harassment. Screenshots will be in the file upload section'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Paid this car off XX/XX/XXXX reached out to the loan company. For my clean title to be mailed, have not received it. Renewed my registration in XX/XX/XXXX lienholder is still listed on my title and it is now XX/XX/XXXX and I have still yet to receive my title and also reached out to XXXX.Under the XXXX code XXXX I am entitled to XXXX per month that I have not received my title

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
This complaint is for the crypto platform XXXX. I have a rewards card where the rewards are paid in XXXX and the XXXX is stored on the XXXX platform. There was a fraudulent behavior pn the account where someone tried to gain access to my account. They froze my account and credit card. It has been over XXXX months and they will not unfreeze thw account so I can remove my assets or use the card for purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am writing to dispute a {$300.00} interest charge resulting from the cancellation of an autopay on XX/XX/XXXX. I have a recurring {$300.00} autopay that has processed without issue for months. Because I had {$1600.00} in promotional financing expiring on XX/XX/XXXX, I made a manual payment of {$1400.00} before the statement closed to ensure the balance was covered. However, Synchrony/PayPal canceled my scheduled autopay without notification because of that manual payment. This left me short of the promotional payoff amount, triggering the interest. A representative has already confirmed that the system does not notify consumers that a manual payment will override/cancel a scheduled autopay. I am requesting a reversal of the interest, as I acted in good faith to clear the balance

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 2026-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I consolidated my private student loans with SOFI. I was the borrower and my mother the cosigner. My mother filed for bankruptcy. After my mother filed for bankruptcy, my monthly payment to SOFI was rejected. I believed this was due to them processing the bankruptcy, clearing my mom of her financial responsibility. When I spoke with someone at SOFI they said they discharged the loan due to my mom 's bankruptcy and sent my account to collections. I have a XXXX fico score and always made payments on time. I have spoken to numerous individuals. I was told it was discharged due to the bankruptcy and because its a " balance sheet loan ''. I asked to speak with the bankruptcy department ; I was told I couldn't because it's an " internal department ''. I asked to speak with a SOFI attorney about a breach of contract ; I was told that's not possible because its also an " internal department ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
This letter is in response to your contact by email on XXXX XXXX about the alleged internet loans you have identified. This is neither an acknowledge, ment of debt or a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 1. Creditor 's name and full address 2. Name of debtor of record 3. Full account number of debt 4. Amount of debt 5. Due date of debt 6. Original charge off or delinquency date 7. Explanation of how the debt was calculated 8. Name of collection agency or owner of debt, if applicable 1 / 2Pursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you verify that this debt is mine. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
Have spoken to other rep prior regarding this matter this is for a store line of credit ( LOC ). I was skeptical if they are legit. On XX/XX/year> the rep contacted me from XXXX I did not even recall if rep gave their name just XXXX XXXX. The rep told me the State Law for New York without me even asking her for it! When I said XXXX she began to argue saying No it is the State Law and she knows the State Law. While discussing state law ( s ) she wanted to know if they can call me more than once in 7 days she said cause the state law won't let them. When I XXXX the Store in my error that I was dealing with instead of Financing place she told me I was wrong in a extreme mocking tone and told me it was not the store it is the Financing place and repeated a few times I was wrong again mocking me She than began to tell me when I asked for the docs sent from Financing company just to verify if I repaid through them that it would actually pay the Financing place not scam money. She told me it was a dispute that I was disputing the balance I than told her no I wanted verification from Financing place stating they actually were legit representing them per this matter. She than again told me in a nasty tone that is a dispute. Very unprofessional and violation of laws. I told the rep that she interrupted me during call several times and argued with me she hung up on me when I told her I could kick her out her seat!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have sent information to Capital One and XXXX XXXX after they have charged off my balance I never received a 1099 C for my taxes but they charged it off for their taxes and it's still a negative mark on my credit reports UNDER FCRA Law they are required to send me a 1099 C or stop collections this is been going on now for 6 years I think as a consumer that has gone through identity theft and on XXXX XXXX XXXXXXXX income and without my 1099-C this should be taken off and removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am Filing this complaint against wells Fargo regarding a serious fraud incident and mishandling of my account. On XXXX XXXX I was locked out of my bank account due to fraudulent activity I was not aware of that was taken place on XX/XX/XXXX. I did not initiate or authorize this claim made on XX/XX/XXXX. An Unknown Individual in a country i have never been to or a device I never used. was able to access my account and fraudulently file a claim pretending to be me and wells Fargo processed this claim and issued funds on this unauthorized activity before I was ever notified. I only became aware of the situation after the fraudulent claim had already been processed. I Immediately contacted Wells Fargo to report that I did not authorize any such claims before XX/XX/XXXX. I opened a legitimate fraud claim under my name which was on XX/XX/XXXX and followed all instructions Given, Including closing My compromised account and opening a new one account. Despite this being a clear case of Unauthorized account access and fraud, Wells Fargo has informed me that i must wait 2-10 Business days for the investigation due to the amount involved. the funds that were taken was my rent money and my entire week worked check. this delay is causing severe Financial Hardship and puts me at risk of eviction on XX/XX/XXXX. I extremely upset and concerned that Wells Fargo allowed a fraudulent claim to be filed and processed without properly verifying the identity of the person submitting it. Additionally, They Have not provided provisional credit in a timely manner to correct this situation while the investigation is ongoing. I am requesting that they immediately issuance of provisional credit for stolen funds, Expedited investigation into the Unauthorized claim filed on my account, A detailed expiation of how this fraudulent claim was approved and accredited without proper verification or investigation. Copies of all records related to the fraudulent claim, including how it was submitted, Timestamps, and identifying information. also, Confirmation that my new account is secure and protected so this can never happen again. This situation involves both accounts take over and Fraudulent claim activity, and it requires urgent resolution. I am requesting prompt intervention to ensure my funds are returned and that Wells Fargo is held accountable for this failure. Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I already have a complaint about this issue. XXXX says I still owe them XXXX in loan debt ; however, the government site ( Studentaid.gov ) says I already paid it all. So, I need someone to help with this confusion. In the meantime, XXXX is continuing to withdraw money from my bank.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good morning, I opened a credit card with Bank of America around XX/XX/year> and received my first statement on XX/XX/year>, which indicated my first credit card payment was due on XX/XX/year>. On XX/XX/year>, I set up autopay on this account which confirmed that the " statement balance '' was " scheduled '' to be paid " monthly on due date ''. Despite setting up autopay on this account nearly three weeks prior to the due date and receiving written confirmation from Bank of America of this, Bank of America failed to process the payment, leading to a {$29.00} late fee and {$58.00} in interest. Upon discovery of this, I called Bank of America 's billing department on XX/XX/year> to request the late fee and interest be refunded. The customer service rep confirmed over the phone that I had indeed set up the autopayment correctly but that it can take " a month '' for Bank of America to begin processing autopayments. I asked why I wasn't informed that the first autopayment would not be processed correctly or timely by Bank of America, and the customer service rep apologized but could not provide a reason why Bank of America not only failed to process my autopayment ( which appears to be an internal policy ) but also failed to inform me that this would even be a possibility. The {$29.00} late fee was been refunded over the phone but today I was informed that Bank of America had " carefully '' completed their review of my request and had declined to refund the {$58.00} interest charge. Because I have documentation that the interest charge was assessed in error ( as was the late fee ), I am requesting further review to remedy this mistake. Please let me know if there are any additional questions. Thank you.

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 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: IN

Complaint narrative:
On XX/XX/year>, I received an unsolicited telemarketing voicemail from an individual identifying herself as XXXX from a company called XXXX XXXX. The message stated that I was pre-approved for a financial program and instructed me to call back. When I returned the call, I discovered that XXXX was not a real person, but an XXXX-generated voice system providing scripted responses. I was then transferred to a live agent who made multiple false and misleading statements, including : * That the program I was being offered was XXXX-backed or XXXX-approved * That my credit file had been reviewed by XXXX and I was pre-approved for a 0 % interest rate and a 50 % debt reduction * That the calling entity ( XXXX XXXX ) was a law firm group working with XXXX These statements were false. XXXX does not approve or endorse debt relief programs, and no such pre-approval process occurred here. When I asked the agent to verify the company, I was given a website that did not match the entity being represented. The agent then admitted that the actual program being offered was a debt relief program associated with National Debt Relief, indicating that this call was part of a lead generation funnel designed by National Debt Relief to route consumers into that companys services. When I challenged the accuracy of the statements of the agent and asked how my number was obtained ( I am registered on the National Do Not Call Registry ), the agent abruptly terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XXXX, I purchased a couch from XXXX using my Chase XXXX XXXX XXXX credit card. In XXXX, I closed that Chase credit card account in good standing. In XXXX, I returned the couch to XXXX. At the time of the return, I informed XXXX that my Chase account had been closed and requested that any refund be issued via check or gift card instead. XXXX assured me that the refund would be handled appropriately and that the bank would process the return of funds to me. On XX/XX/XXXX, XXXX issued the refund back to my closed Chase account. I have documentation confirming that the refund transaction was accepted and approved by Chase Bank. I contacted Chase Bank to request that the funds be returned to me, as the account the refund was credited to is closed. Chase Bank 's response was that because the account is closed, there is " no ledger '' for the refund and that they would not be returning the money to me under any circumstances. I was told there was nothing they could do. I escalated and demanded to speak with a manager. I was promised a manager callback and have never received one. Every subsequent contact with Chase has resulted in the same response : they will not return my funds. Chase Bank has accepted and is retaining a refund credit belonging to me a consumer and is refusing to return it or provide any path to resolution. This appears to be an unlawful retention of consumer funds. Under federal consumer protection law and applicable state unclaimed property statutes, Chase has an obligation to return these funds to me or, at minimum, remit them to the appropriate state unclaimed property authority not simply absorb them. I am requesting that the CFPB compel Chase Bank to immediately return the full refund amount to me via check or other direct payment method, and to provide a written explanation of how they have handled this credit since it posted to my closed account on XX/XX/XXXX. Desired Resolution : Full refund of the amount credited by XXXX ( {$2100.00} ) to my closed Chase account, delivered to me directly via check or bank transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
This debt is not mine. I called XXXX XXXX XXXX. The customer representative said there is no collection in my account. I paid XXXX with auto pay so there should be no leftover bills. If you look at my credit report, you will see that I have no XXXX or XXXX charges. It doesn't show late payment or any kind of payment as discribed by the collection agency Sunrise Credit Serivice.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
United Consumer Financial keeps trying to collect debt on an account that was Closed XXXX XXXX. The account keeps coming back on my credit report most recent as of XXXX XXXX, adding comments stating profit and loss write off and the balance keeps adjusting/increasing from {$3200.00} to {$0.00} to {$3200.00}. Ive reported to all 3 credit unions ( XXXX XXXXXXXX XXXX and XXXX ) who have confirmed that the United Consumer Financial is still negatively impacting my credit report even though it was listed as account closed on XXXX XXXX

Company response to consumer: Closed with explanation