vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/year> Bought a computer directly from XXXX store. 
The final total agreed price was {$1000.00} They offer me the opportunity to have it finance with XXXX interest with Bread FinancialXXXX Comenity Capital Bank XXXX XXXX XXXX. XXXX  XXXX XXXX, OH XXXX Such amount has been fully paid but they keep sending me a bill exceeding now over {$200.00} with the promise that an investigation will take place. 
My first letter was sent to dispute this extra charge on XX/XX/year> Their response was received a few days later maybe the XX/XX/year> but letter was redacted by them on XX/XX/year> stating that it was going to be investigated. 
All letters and payments were done and sent in a certified letter to protect myself and the integrity of my credit to proof a point, if needed. Acount NO. XXXX XXXX. XX/XX/year> {$200.00} XXXX. XX/XX/year> {$300.00} XXXX. XX/XX/year> {$200.00} XXXX. XX/XX/year> {$200.00} XXXX. XX/XX/year> {$130.00} An original copy of the purchased price from XXXX store was sent to this bank including a copy of all certified receipts from the XXXX along with a check 's copy/ receipt from the bank. I ask them to verify such information for me to pursue any missing letter. I asked also to provide me with a copy of the original receipt amount that was transfer from the XXXX store to their bank account. No information has been received up to now, The reason I decided to check the box below because seems that this has become a custom and nature for many institutions and this attitude hurts everyone. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This debt has been transferred to another company once again to keep on credit eeport

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank closed my credit card account after its automated system flagged several returned payments. These returned payments occurred during a transition between my bank accounts and were not the result of insufficient funds or an unwillingness to pay. Each returned payment was promptly corrected and repaid within a reasonable time. 
Despite this, Chase closed my account without providing a meaningful opportunity to explain or resolve the issue. This action significantly reduced my available credit and negatively impacted my credit report. The handling of this matter does not accurately reflect my payment intent, overall account history, or financial responsibility. 
I remain willing and able to repay the balance ; however, Chase is demanding repayment under terms that are unreasonable and disproportionate to the circumstances. The only option offered is a five-year repayment plan, with no consideration given to alternative repayment arrangements or settlement options. Chase has also declined to meaningfully reconsider the account closure or the resulting credit reporting. 
I am disputing Chases handling of this account because the returned payments were administrative errors related to a bank account change, were cured within a reasonable time, and should not have been treated as a significant credit risk event. Additionally, Chase has refused to engage in good-faith efforts to resolve this matter through reasonable repayment alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I went to my Capital one branch on XXXX XXXX XXXX, XXXX NY XXXX and used the outside ATM on the left side. I withdraw money from my XXXX XXXX card and transferred most of the money to my Capital one account, however it would not take a XXXX dollar bill. I tried multiple times but It would not take it so I decided to wait till the next day to deposit it in person since the bank was closed. I went XX/XX/XXXX in person and they told me they need to verify if it's real. I said ok and waited. They came back to me and told me that it is " potentially fake '' and that I somehow gave them fake money. I explained it came out of their own ATM machine and they said they can't prove that, took the money, and told me I can get it back with taxes. They have fake money in those machines, another customer came with the same complaint and they also turned him away and took his money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: FL

Complaint narrative:
opened a new bank account with UPGRADE XXXX  INC due to a juicy signup bonus. After that, I used the account for a few things here and there, but activity was very limited. I then received a sum of money on said account and I get an email out of nowhere that the new account has been closed due to suspected fraud. As far as I can tell, the offending transaction was a relatively small from the bank account to XXXX XXXX immediately call the bank and they can not provide any information, just that they will be conducting a review and that I should receive an explanation in the mail within XXXX  days as well as a check with my XXXX days later, Ive received absolutely nothing in the mail or an Email.its now XXXX month from then and Ive still received nothing in the mail or an email, No check nor explanation. I still dont know why the account was closed.I am trying to remain logical and calm, but this is a very significant amount of money. I can get by fine without it day to day, but just kissing it goodbye is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am not aware of this account. On my credit report it says it was opened in 2025. Which is highly incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Accounts on my credit report : JEFFERSON CAPITAL SYST Account # XXXX Charge-Off {$490.00} JEFFERSON CAPITAL SYST Account XXXX XXXX Charge-Off $ XXXX am filing this complaint because Jefferson Capital Systems, a third-party debt collector, is reporting two accounts as charged off. I know my rights : collection agencies and debt buyers can not charge off debt. A charge-off is an accounting action taken by the original creditor, not a downstream collector. Reporting a charge-off by a collection company is inaccurate, misleading, and non-compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX. 
I also have no idea what these alleged debts are for. I never received any written notice identifying the original creditor, the nature of the debt, or my rights to dispute before these tradelines appeared on my credit report. Despite months of disputes, Jefferson Capital has provided not one piece of verificationno contracts, no itemized statements, no proof of ownership or assignment, no payment history, and no evidence that legally required notice was ever sent. Continuing to report these accounts as charge-offs without validation is not a mistake ; it is willful noncompliance. 
Under the FDCPA, continuing collection activity ( including credit reporting ) without providing validation violates federal law. Under the FCRA and XXXX XXXX, reported information must be accurate, complete, and verifiable ; misclassifying a collectors tradeline as a charge-off fails the maximum possible accuracy standard. I have done my research, I know what proper verification requires, and Jefferson Capital has failed every step.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: TX

Complaint narrative:
My previous mortgage lender ( XXXX ) sold my mortgage to another company. ( Loancare XXXX ) with the promise that the conditions of my loan would stay the same. The first couple of months, everything was fine and there was no change in my mortgage. I recently changed my homeowners insurance company because I found a cheaper rate. My other insurance costs decreased by a few XXXX dollars. However, Loancare paid both my previous and current insurance company 's through my escrow account. According to a representative with Loancare, at the time I only had {$800.00} in my escrow account which left me with a negative escrow balance. The amounts they paid were something like {$3900.00} and {$2200.00}. My mortgage payment principal and interest prior to insurance and taxes was XXXX. With the costs to cover insurance and taxes making the overall payment XXXX. Somehow, my mortgage suddenly jumped up over {$700.00} a month. They are double charging me and will not fix the charge. They are spreading the insurance and taxes as XXXX separate charges. They are charging {$340.00} for monthly taxes and XXXX for monthly insurance, and an additional XXXX for both of those costs combined. Essentially, charging me twice for the taxes and insurance. In addition to this, when I made my last mortgage payment on XX/XX/XXXX of XXXX, I put an additional {$2000.00} into my escrow account. I see no reflection of this payment, and I am still being charged the same amount. It's almost as if I just gave them {$2000.00} for nothing. I have called and spoken with a representative who could not figure out the cost or the payment increase herself and told me that she would send it to the loan officer handling my mortgage for an escrow re analysis. I don't believe this has been done because there has been no change in my mortgage. I also submitted a request to speak with someone over a week ago and I have still not heard from anyone. They have mismanaged and miscalculated my mortgage and are doing nothing about it. I also believe that they paid an incorrect amount for my yearly taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Credit Collections regarding a collection account reporting on my credit file with a {$0.00} balance. Although the balance reflects XXXX, the presence of this collection itself is damaging and requires full legal compliance. A XXXX balance does not eliminate the furnishers obligation to prove the accuracy, validity, and reporting authority of the account. 
I am disputing this account because I never received any written notice of this alleged debt prior to its placement on my credit report, as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). I was never mailed an initial notice identifying the original creditor, the amount of the debt, my right to dispute, or my right to request validation within 30 days. The first notice I ever received was the appearance of this account on my credit report, which is a violation of federal law. 
Additionally, I am requesting full validation of this alleged debt. Through my research, I am aware that proper validation requires more than a simple statement or internal record. To date, Credit Collections has failed to provide any documentation whatsoever substantiating this account. Reporting a collectionpaid or unpaidwithout the ability to validate it violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 623 ( a ) ), which require maximum possible accuracy and prohibit the reporting of unverifiable information.

For clarity, proper validation must include : The name and address of the original creditor A copy of the original signed agreement or contract creating the debt A complete itemized accounting showing how the balance was calculated, including any payments that resulted in a {$0.00} balance Proof of Credit Collections legal authority to collect, including assignment or bill of sale The date of first delinquency Documentation showing when and how the required written notice was sent to me None of this has been provided. 
Further, under XXXX XXXX reporting standards, furnishers must report information that is complete, accurate, and not misleading. Reporting a collection account with a {$0.00} balancewithout clear notation of paid-in-full status, deletion eligibility, or validationcreates a misleading credit profile and violates XXXX XXXX compliance requirements XXXX 
Because Credit Collections can not demonstrate that proper notice was given, can not validate the debt, and can not prove reporting authority, this account is inaccurate, incomplete, and unverifiable under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital has been texting me about a debt owed and has recently texted my family members and now my ex husband whom I have been divorced from since 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year>, I applied for the Apple Card to take advantage of a promotional offer ( Spend {$75.00}, Get {$75.00} ). I navigated to the application believing I was using the promotional path. 

The application interface was unclear and gave no indication that the bonus offer was not attached to my application. Believing the offer was active, I completed the application, was approved, and immediately began making purchases with the card. 

After noticing the bonus had not been applied, I contacted Goldman Sachs support. My case was escalated, and I received a call from a supervisor from the tech department named XXXX on XX/XX/year>, at XXXXXXXX XXXX ( from phone number XXXX ). During the brief 7-minute call, the supervisor was dismissive and quickly denied my case. Furthermore, she accused me of trying to commit fraud to obtain the {$75.00} bonus. This unfounded accusation was unprofessional and made me feel like I was being treated like a criminal. 

I believe this constitutes a deceptive user experience or " Dark Pattern, '' as I was led to believe a promotion was active when it was not clearly confirmed or denied during the application process. GIven the poor treatment and the accusation of fraud, my request for a one-time goodwill adjustment of the {$75.00} bonus was denied. 

I am requesting that the CFPB help me resolve this issue and that Goldman Sachs honor the original {$75.00} sign-up bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
They are letting a company that they told me was blocked from taking money. The company is still taking money and the bank keeps letting it happen. My account has a no overdraft on it meaning any purchases or debit will not go thru if there isn't money to cover it. It is different companies also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX charged off a debt that was not our responsibility to pay. Now a collections department is attempting to collect and is showing a wrong amount and classification on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged debt you are reporting in the amount of {$2700.00}, which you claim originated from XXXX. I have never opened, authorized, nor received any service from XXXX that would justify this charge. 

This letter serves as a formal request for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide written proof of the following : XXXX. The exact type of service allegedly provided XXXX. The dates the service was supposedly active XXXX. The service address associated with the account XXXX. The phone number ( s ) or device ( s ) linked to the charges XXXX. A copy of the original contract or agreement bearing my signature XXXX. A detailed billing statement showing how the {$2700.00} balance was calculated XXXX. Proof that Jefferson Capital has the legal authority to collect this debt I do not recognize this account, and I have never benefited from or used any such service. Until proper validation is provided, I request that all collection activity cease and that this account not be reported or be immediately removed from my credit report. 

If you are unable to provide the documentation requested, I expect this matter to be closed and the account deleted from my credit file. 

Please respond in writing within XXXX days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I got a letter on XX/XX/year> from Synchrony Bank claiming that I requested information about their XXXX XXXX XXXX product. It wanted specific information about my identity, and provided the following phone number for me to do so : ( XXXX ) XXXX. 

I did not, nor have I ever, requested information about this product, or any Synchrony bank products. I do not use Synchrony Banks. Receiving a letter worded like this has me worried someone is attempting to steal my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Cancel a XXXX  card account ( XXXX  bank ) that was fraudulent at the end of XXXX. I realized its existence through XXXX XXXX  In turn, I was able to call and close that account, but whoever attended me did not tell me that they had used XXXX dollars ; which is now XXXX. Well, that certainly didn't reflect on me until XXXX because my credit office was constantly affecting my credit. Then I came back and filed a claim and they haven't solved anything. They never called me to validate that I was the holder of that card, violating my person in addition to something as important as credit! In the condition in which they have me, I can't request anything because they make the constant report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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:
A sum of {$20000.00} has been illicitly withdrawn from my account. I have reported the incident and informed the bank about the fraud, but was told there are no fraudulent activities. Meanwhile, I have none left. And they closed my account. I need a lawyer for this bank.

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