vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: MD

Complaint narrative:
On or about XX/XX/year>, I financed approximately {$5000.00} through Climb Credit to participate in a marketing training program offered by XXXX XXXX XXXX XXXXXXXX. The program promised training, coaching, and assistance with running marketing campaigns. Shortly after enrollment, the company stopped responding to communications and appears to have ceased providing the services that were advertised. The website for the program remains active but the program itself appears to no longer be operational and no services have been delivered. I contacted Climb Credit to report that the vendor financed through their loan was no longer responding and that the services the loan was intended to finance were never delivered. I requested that they investigate the vendor and advise what protections exist for consumers when a loan finances services that are not provided. I was informed that it is not their responsibility to investigate the vendor. This loan financed services that were never delivered by the vendor. I am requesting that Climb Credit investigate this matter and suspend or cancel the loan obligation related to services that were not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Client Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding repeated and harassing debt collection calls from * * Client Services , Inc. * *. According to the written notice I received, the companys information is listed as follows : Client Services , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Website : [ XXXX ] XXXX XXXX XXXX XXXX ) The notice claims that they are attempting to collect an alleged debt related to a Synchrony XXXX credit card account ending in XXXX. However, I dispute this debt. I do not believe that I owe this debt, and I do not recognize this obligation. In addition to sending this letter, individuals representing this company have been repeatedly calling my phone from many different phone numbers. These calls occur frequently and sometimes multiple times per day. Because they are calling from different numbers, it is very difficult for me to block them. Each time they call, they claim that I owe them money and pressure me to make a payment. I have already informed the callers that I dispute this debt and that I do not recognize it. Despite this, the calls continue. This repeated behavior is extremely stressful and disruptive. I am also a diabetic patient and my health requires proper rest and a stable environment. The constant phone calls from different numbers are causing significant anxiety and stress and are negatively affecting my health and daily life. Under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, XXXX XXXX are required to follow strict rules when attempting to collect a debt. These rules include verifying the validity of the debt and avoiding harassment or repeated calls that disturb or intimidate consumers. In this case, the repeated phone calls from multiple numbers, combined with the continued attempts to collect a debt that I dispute, feel like harassment and unfair collection practices. For these reasons, I respectfully request that this matter be investigated. I ask that this company be required to properly validate the alleged debt and confirm that they are contacting the correct person. If they can not provide proper verification of the debt, they should immediately stop contacting me. I also request that the repeated and unwanted phone calls cease immediately. Thank you for your attention to this matter and for assisting in protecting consumers from unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
Someone made a fraudulent account with energy in XXXX XXXX where someone had a fraudulent XXXX in my name. The person was evicted and the XXXX was taken out my name. I was left with an unaware account for energy when a debt collector named XXXX XXXX XXXX Ive tried to dispute several times. Not only did I not authorize and energy account in XXXX XXXX, I never lived in XXXX nor did I consent to XXXX XXXXXXXX having access to any of my information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Formal Complaint - Improper Payment of an Incomplete Instrument and Lack of Due Diligence Account Holder : XXXX XXXX XXXX Check Number : XXXX Amount : {$700.00} Date Processed : XX/XX/year> Transaction ID : XXXX Description of Issue : I am filing this complaint against Wells Fargo for the improper payment of an incomplete instrument under the Uniform Commercial Code ( UCC ) 3-115 and 3-407. On XX/XX/year>, Wells Fargo processed check # XXXX for {$700.00}. While the check contains my signature, the " Pay to the Order of '' line was left entirely blank. Furthermore, the check was deposited into an unknown account at a third-party bank without a proper endorsement on the back. The check was clearly intended for rent payment, as specified in the memo line : " XXXX XXXX XXXX XXXX XXXX ''. The bank failed its duty of " ordinary care '' by allowing an incomplete document to be cleared and deposited into a person or entity that has no relation to the address specified in the memo. When I attempted to resolve this with Wells Fargo, they refused to investigate, claiming that because I signed the check, it can not be considered fraud. This position ignores the bank 's responsibility to verify the legitimacy of a payment when the payee is missing and the endorsement is non-existent. Desired Resolution : I request that Wells Fargo initiate a " Breach of Warranty '' claim against the depositary bank to recover the funds and provide me with a full reimbursement of the {$700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank closed my checking account ] XXXX on XX/XX/2026 without prior notice or valid justification. This closure occurred immediately following my submission of several legitimate transaction disputes. Under Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate reported errors. Instead of completing a good-faith investigation, Wells Fargo chose to terminate my account, effectively punishing me for exercising my federal rights. I believe this action constitutes an unfair and retaliatory practice. Standard customer service channels have been unable to provide a reason for the closure beyond vague " risk '' flags. This closure has caused significant financial disruption. I request that the CFPB compel Wells Fargo to reopen the account and ensure no retaliatory reporting has been made to 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have never opened a chase account and I would like an open investigation on this account my identity was compromised from the beginning of XXXX have proper documentation to back that assumption.please disregard the above account and delete off my consumer report please and thank.i will provide documentation stating that any account opened with the dl # XXXX is presumed fraudulent i was giving a new dl # after thorough investigation of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I saw the payment never went through on XX/XX/XXXX so I contacted the dealership asking them how I can pay for the vehicle and they said they have no record of me purchasing a vehicle. I sent them a screenshot of their website showing " Welcome, XXXX '' with the XXXX XXXX XXXX and they ignored it. I try again on the XXXX and they asked me if I was interested in getting a second car. At this point I'm losing my mind, I just wan na get this car paid and these XXXX keep XXXX with me. So I decide to stop by in person on the XXXX and I figured out that I never received the mail from TDBank regarding my account activation. I went to my old address and got the account activated and paid off the vehicle on the XXXX. I received an email saying " Payment Received '' and figured I was good, but now I'm logging on and it's saying I still need to pay. The late charge starts tomorrow ; I mean what the XXXX? Are these XXXX just gon na keep doing this XXXX and stack up late fees on me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Collections activity that has been charged off, sold to XXXX party company without my consent, harrasing text messages daily, harrasing email, daily, harassing calls daily. disputed on all credit bureaus last month, asked for debt validation letters with chain of custody, bill of sale, original contract with signature. advised if coulding provide to remove from report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding improper debt collection practices by I.C. System Inc. The company has attempted to collect an alleged debt by contacting my aunt using her personal phone number, even though she is not associated with the debt. I previously requested that I.C. System Inc. remove my aunts phone number from my account and cease contacting her. Despite this request, the company failed to comply. The company has my direct phone number and has contacted me repeatedly over several months. Nevertheless, on XX/XX/year>, my aunt received a text message from the company regarding an alleged debt in the amount of {$180.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX are generally prohibited from discussing or attempting to collect a debt through third parties who are not responsible for the debt, except under very limited circumstances. Continuing to contact my aunt after being informed that she is not associated with the account appears to be a violation of these protections.

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 2026-03-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clearview Resolution Services
State: TX

Complaint narrative:
I am filing this complaint regarding Clear View, a third-party debt collector that has been contacting me about a debt they claim I owe related to XXXX XXXX. During a recent phone call, I requested a debt validation letter to verify the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). The representative told me they could only send the validation by email. I specifically requested that the validation be sent through regular mail to my mailing address so I could have proper documentation for my records. The representative stated that they can not send validation letters by regular mail anymore. I explained that I prefer written documentation by mail, but they refused my request. I also asked the representative when this alleged debt went into default, and they stated that it went into default in XX/XX/XXXX. When I questioned the validity of the debt and requested proper documentation, the representative told me that the debt was too old to be disputed, which I believe is misleading and incorrect. Based on my understanding, debts of this type in Texas generally have a four-year statute of limitations for legal action. If the account defaulted in XX/XX/XXXX, the statute of limitations would likely have expired around XX/XX/XXXX. Despite this, the representative threatened legal action and stated they could sue me in court. Threatening to sue on a time-barred debt is concerning and may be a violation of the Fair Debt Collection Practices Act ( FDCPA ). During the call, when I insisted on receiving proper validation of the alleged debt by mail, the representative became dismissive and ended the call. Despite my request for written documentation, the company continues to call me. At this time, I dispute this alleged debt and do not recognize owing this amount. I am requesting that Clear View provide proper written debt validation as required by federal law and cease making misleading statements about my rights to dispute the debt. I also request that they stop threatening legal action without first providing proof of the alleged obligation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Clear View complies with all applicable federal debt collection laws. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been attempting to access my Citi credit card account for approximately XXXX month in order to make a payment, but I have been repeatedly unable to log in. When I contact Citi customer service by phone, the agents ask me to verify my identity and state that they will send a password reset link, but the link is never sent. As a result, I remain unable to access my account online. I also visited a Citi branch in New York in person seeking assistance. The branch employee attempted to help but was unable to restore my account access or provide a solution that would allow me to log in and make a payment. Today I contacted Citi again to request access so that I can pay the balance on my account. I am still unable to access the account or receive a password reset link. Despite this, Citi continues to report my account as delinquent. I am willing and attempting to make my payment, but Citis systems and customer service failures are preventing me from accessing my account. Reporting my account as delinquent while simultaneously blocking my ability to log in and make a payment is unfair and damaging to my credit.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im writing to dispute the validity and accuracy of the alleged debt. I am formally requesting validation of the debt pursuant to my rights under the Fair Debt Collections Act. At this time, I dispute the amount being claimed as inaccurate. In addition I would like sufficient documentation demonstrating that I am legally obligated to pay the amount you claim. As well as the original term debt, you must cease all collection activities regarding this account. If you are unable to provide validation, Im requesting this account be removed from my credit file and all collection attempts are ceased immediately. I expect your written response within XXXX days of this receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
In XXXX I had a fraudulent account charged to me. I disputed with affirm, they investigated and sided with me and was supposed to delete account. It went to XXXX XXXX in XX/XX/XXXX. I tried disputing with them and wanted to charge {$300.00} to file dispute. I then went back to affirm and disputed. Once again they sided with me and erased account and credit repaired. In XXXX of XXXX the about from XXXX XXXX came back again! I tried to dispute with them and then wanted to charge {$200.00}, and after a while arguing cause I won't pay a dollar. They then proceeded to say they could drop it down to {$99.00} to file the dispute! I then went back to affirm and filed dispute and they said that they would have it removed and the account had been compromised and what XXXX had been doing our actually illegal. Now today more calls from collection companies on same account! Please if possible look into this matter and help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I paid my insurance premium to XXXX in full, but my policy was canceled shortly afterward despite the payment being made. Because of this issue, I filed a dispute with my bank and the payment was refunded to me. Now XXXX is attempting to charge me againat nearly double the original amountand the balance they claim I owe contains incorrect information. The debt they are reporting does not accurately reflect the payment history or the circumstances surrounding the cancellation, and I believe the amount they say I owe is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX XX/XX/year> Credence Resource Mana XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dear, Credence Resource Mana I pulled my credit report and found some inaccuracies on the following account below. Credence Resource Mana account number XXXX, Credence Resource Mana is a collection that shows as paid off on my credit report but it does not have the original owner. According to 15 U.S. Code 1681e when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Due to this inaccuracy, please remove this account from my credit report. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief