vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: PA

Complaint narrative:
I am formally disputing this account due to inaccurate and conflicting information. My credit report shows a balance of {$2800.00}, yet I received a collection notice for {$3300.00} ( Ref : XXXX ). This is a violation of the FCRA, which requires XXXX XXXX accuracy in reporting. Since the amounts do not match, I demand that this account be validated immediately or deleted from my credit file. ''

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/year> XXXX XX/XX/year> XXXX I also asked that the ATM fees that I was charged while there was no working ATMs available in XXXX at the bank that I XXXX to. I requested that those fees were also refunded because they could not provide the service at their bank when I made a specific trip to go there. I agreed to have {$500.00} in the account or pay a XXXX dollar monthly service fee. I never agreed to any changes in terms and conditions nor was I ever notified in writing about these changes to my account I require my account be put back to the terms I agreed to or I will take all of my money out and never do business with this bank again its highly illegal and immoral totake advantage of customers and then purposely pay people to waste their time over the phone and not solve the issue. XXXX complaint is XXXX This is the only information I got from Wells Fargo in regards to my complaint Ive already spent hours trying to get them to resolve / fix my account but instead they keep charging the feee that they made up

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: IL

Complaint narrative:
I am requesting the immediate removal of the following account from my credit report : KEYBANK NA I do not recognize this account and did not authorize it. This account is reporting inaccurate and negative information that is harming my credit. I have previously been a victim of identity theft, and this appears to be a continuation of unauthorized activity. I have attached my FTC identity theft report as proof. I am requesting that this account be investigated and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: FL

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 XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company 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 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I received an email from Marcus by Goldman Sachs offering a bonus of up to {$1500.00}, depending on the amount deposited. If I opened a savings account by XX/XX/year>. On XX/XX/XXXX, I initially used the link on the email to open the account which stopped when I tried to add my XXXX as a Joint Tenant. I was instructed to call. I called the number as directed & spoke with a representative. I explained I had received an email offering the bonus & was trying to setup an account for this purpose. I was transferred to another representative to help finishing setting up the account. I also explained to him my reason for setting up the account. I also asked if adding a Joint Tenant was a problem to still qualify for the bonus. The answer was it should not. After completing setting up the account. I asked if that was all I needed for the bonus? I was told it should. I Initiated XXXX transfers that day that should have qualified for the full bonus. By accessing my account online, I could see the account had been setup & transfers in process. Once the funds showed available on XX/XX/XXXX there was still no status listed for the bonus. XX/XX/XXXX, I called to find out the status of the bonus. The representative said my account had not been setup for the bonus. Nothing could be done since the time had past for the promotion. XX/XX/XXXX, I called & got transferred to a XXXX, XXXX. After reviewing my complaint, it was clear to him what had happened. But, he didn't have the power to change anything. He said an inquiry would be initiated to address my case. Later that day I received a call from XXXX who said she had reviewed my case. Although mistakes were made in processing my account she was sorry. But, there was nothing she could do since the enrollment date had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2026, I was the victim of a scam involving a fraudulent transaction through Cash App. I was attempting to sell an item and was contacted by an individual who claimed to send payment via XXXX. I received a fraudulent email appearing to be from XXXX stating my account was on hold and that I needed to take additional steps to receive the funds. I contacted the number provided and was instructed by an individual posing as support to complete steps that ultimately led to me transferring approximately {$420.00} through Cash App into XXXX. This was done under false pretenses as part of the scam. I immediately reported the incident to both Cash App and my bank XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX completed their investigation and resolved their portion of the claim. Cash App opened a fraud investigation ( Case # XXXX ) and advised the process would take XXXX business days. It has now been over XXXX days, and I have not received any formal determination no approval, denial, or explanation of findings. I have made multiple attempts to obtain information, including contacting support via chat, email, and phone. I have provided all requested documentation, including transaction details, screenshots, and communications with the scammer. I also spoke with a supervisor who confirmed that my case is still active and overdue, and that it had been escalated for review. Additionally, I filed a formal complaint with Cash App ( Complaint # XXXX ). Despite all of this, Cash App has failed to provide : A determination of my claim A reason for any decision Confirmation that my submitted evidence was reviewed A timeline for resolution I have also received conflicting information, including being told the case was resolved and later that it is still under investigation. I am requesting that Cash App provide a formal written determination of my claim, a clear explanation of their findings, and confirmation that my evidence was reviewed. I am also requesting that this matter be resolved promptly given the excessive delay and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Nelnet, Inc.
State: MI

Complaint narrative:
My federal student loan accounts recently reported XXXX days past due to the credit bureaus, causing a catastrophic XXXX point drop in my credit score. This delinquency is the direct result of an international logistical breakdown regarding my enrollment status, not financial negligence. I am a graduate student who was granted an official " On-Leave '' status by my US institution so that I could temporarily relocate overseas to complete a separate, consecutive XXXX program in XXXX before returning to finish my US degree . Because my academic journey is continuous and my leave was officially approved by my US university, I reasonably believed my In-School Deferment remained active. Furthermore, because I am physically residing in XXXX to complete this XXXX, I did not receive the standard physical mail notices that the loans had entered active repayment. Upon discovering this administrative error, I immediately secured an Income-Driven Repayment ( IDR ) plan to return the accounts to good standing, which was recently approved. However, when I contacted the servicer ( Nelnet ) on XX/XX/XXXX, to request a standard Retroactive General/Administrative Forbearance ( covering XX/XX/XXXX through XX/XX/XXXX ) to cure the delinquency caused by this international enrollment confusion, a Tier XXXX supervisor explicitly refused. The supervisor stated there was " nothing to be done '' and actively directed me to file a regulatory complaint instead of processing the standard manual override to fix the erroneous credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: AZ

Complaint narrative:
On XX/XX/XXXX, JPMorgan Chase Bank , N.A . notified me via letter that it intended to close my accounts ( credit card and checking account ) effective XX/XX/XXXX. To protect my credit standing, I personally visited a Chase branch on XX/XX/XXXX ( XXXX days prior to the bank 's deadline ) located at XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX and requested that the accounts be closed at my request. The representative who assisted me at that time was XXXX XXXX XXXX. I explicitly instructed the banker to ensure the bank issue a document illustrating the reporting reflected account closed at consumers request. I received a letter at a later date stating " We '', meaning Chase closed the accounts on XX/XX/XXXX. The only way those accounts would be closed on XX/XX/XXXX was for the consumer to request as such. Despite this proactive step, Chase reported the accounts to the national credit reporting agencies as closed at creditor 's request. This is factually inaccurate and materially misleading under the Fair Credit Reporting Act ( FCRA ). I have exhausted all internal remedies with the following results : Branch Level : I returned to the branch to seek a correction from the closing banker ; no resolution was provided. Credit Bureau Disputes : I filed formal disputes with the CRAs ; Chase verified the inaccurate information as accurate. Executive Escalation : I escalated the matter to the Office of the Chief Legal Officer. While the matter was assigned to an Executive Office representative, the inaccurate reporting remains uncorrected. On XX/XX/XXXX, I sent a formal written dispute via Certified Mail ( Tracking # [ Insert Number ] ) to Chases dispute processing center in XXXX, XXXX, pursuant to 15 U.S.C. 1681s-2 ( b ). I am requesting that Chase conduct a reasonable investigation, acknowledge the XX/XX/XXXX branch visit, and update the reporting to reflect that the account was closed at the consumer 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: TN

Complaint narrative:
I am filing a complaint regarding overdraft fees assessed on my account that I believe were caused by improper transaction posting practices. I have obtained documentation from XXXX showing the exact dates, times, and transaction identifiers for multiple purchases. These records confirm that my transactions were authorized at times when sufficient funds were available in my account. However, my bank processed and posted these transactions on later dates, in a different order than they were authorized. As a result, transactions that should have cleared with available funds were instead posted in a way that caused my account to appear overdrawn, triggering overdraft fees. Additionally, some transactions were initially shown as posted, then moved back to pending, and later reposted with retry indicators. This created further confusion and contributed to inaccurate balance calculations. Specifically : XXXX records show transactions occurring on earlier dates and times ( e.g., XXXX XXXX ), While my bank statement reflects posting on later dates ( e.g., XX/XX/XXXX ), Resulting in overdraft fees despite sufficient funds at the time of purchase. I am requesting : 1. A full investigation into the posting order and timing of these transactions 2. A refund of all overdraft fees associated with these transactions 3. A clear explanation of why transactions were delayed, reordered, or reprocessed in a way that caused fees I believe these actions may constitute unfair or deceptive banking practices, as the timing and order of transaction posting directly impacted my account balance and resulted in avoidable fees. I have supporting documentation, including XXXX transaction records and bank statements, and I am prepared to provide them upon request. I respectfully request prompt resolution of this matter. I would also like to note that there was an additional {$2500.00} mistakenly taken from my account on XX/XX/XXXX and had a very difficult time getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint because American Express has repeatedly failed to apply Military Lending Act ( MLA ) protections to my account, despite my status as an active-duty military spouse. Under 10 U.S.C. 987, as a " covered borrower, '' I am entitled to specific protections, including interest rate caps and fee limitations. I have applied for this benefit XXXX separate times. In each instance, I was either denied without a clear explanation or given conflicting information. During one of my most recent inquiries via telephone, an American Express representative stated that the MLA benefit had actually been placed on my account but was subsequently removed. The representative could not provide a reason for the removal or explain why the benefit is currently inactive and seemed just as confused as I am as to why that would happen. I have verified that my status is correctly reflected in the Department of Defenses XXXX Database, and I currently have XXXX or XXXX protections active on all my other financial accounts with different institutions. American Express is the only creditor refusing to honor this federal protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was at the best buy in XXXX XXXX on XX/XX/year> to get my XXXX fixed with the XXXX XXXX As i return to the store to pickmy XXXX i was looking at the XXXX XXXX and i asked the assitance store manager which was a afrarca american male short bald for help getting a pair to buy. He then stated that i can get these on a 0 interest credit card. I responded with i have a lot of 0 interest credit cards on my personal side nut what can yall do on the business side. He followed up with do you have your EIN i said yes. He said then you can do it under your business. I said okay without my personal credit being ran? He said yes. I said so no personal ganuretee. He said No. I said okay so my perosnal credit is not going to be ran? Becuase im trying to build busiess credit so dose it report to lenders and credit breunus on the business end. He once again so yes they report we got you. I follow the gentleman to his section and he took my information gave the man my EIN and ID and then he said mutiple times that it will not run and harm my personal credit and then soon he submit my application i got a notifation from my credit alart that my XXXX credit report was ran, so i asked the gentleman why he lie it just ran my personal credit report and as im showing the guy it ran my credit he's just sitting there like it didnt run your credit if your enter your EIN. He basically was pushing me away and dismissing my claims. I then followed with i need to speak with your manager or general manager he said thats him then later said he the assitance manager so refused to get his manager and told me to just dispute the inquire... Then when i called the store they declined being able to remove the inquire.

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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MD

Complaint narrative:
Carter and Young trying to collect a debt for an apartment complex that I left the apartment clean and they try to say that I use the photos from the time I moved in and I never used photos. I used the pose from when I cleaned apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I paid off my Milestone Credit Card on XX/XX/year> and I over paid by {$350.00} and so I called and they acknowledged the over payment and said they would send me a check within 4 days. A week later still did note receive the check so I called back on the XXXX and they now said it takes XXXX! days to process and 45 days to send the check. This is unacceptable as they electronically took the payment from my bank account, they should electronically reverse the payment. They also are not paying any interest on the funds, even though it will take up to 2 months. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

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 non-monetary relief
Consumer complaint received 2026-03-17 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: FL

Complaint narrative:
On XX/XX/XXXX, I opened an account with XXXX XXXX. On that date I made a deposit of {$80.00}. They informed me installation date will be on XX/XX/XXXX. On that date the installation gentleman informed me that he would be adding a camera to my agreement- which was already included. I immediately emailed the sales agent ; due to that he did not return my call at the time of installation. The very next day {$69.00} was deducted from my account. I did not argue about that - considering I applied that to the monthly payment. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to deduct {$320.00} from my account and was unable to do so. On XX/XX/XXXX, they managed to deduct the {$320.00} from my account. I immediately phoned Chase and they mentioned they will check into it. They never notified me of requesting any documentation and immediately closed the claim. When I phoned Chase, they mentioned case was closed, due to that I needed to submit documentation in which I did. Again, they closed claim - indicating what I submitted was not good enough. Again, I was never notified. Had I not followed up, I would have not known case was closed. I then informed them that I needed for them to re-open case, in which I sent the actual agreement and again they closed claim. Again, I was never notified. I took it into my own hands and went into the Branch on XX/XX/XXXX and met with XXXX, and she phoned the claims department, and we both spoke with a young lady named XXXX. She stated case was closed and she could not reopen it. She did not want to hear anything about claim, and she did not care if I had supporting documents. That is unacceptable due to that I have all my supporting documents, and they have allowed XXXX to keep my funds. They also mentioned that I had toget with the merchant, which I have tried numerous of times.

Company response to consumer: Closed with explanation