vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have a credit line through XXXX XXXX for my home security system and I have paid without issue for the past year. The problem is that XXXX XXXX continues to send promotional offers for new lines of credit continuously. I have called twice and unsubscribed from emails at least 6 times, but the promotional offers do not stop coming. I can not block their emails since I still have an active account and this is starting to feel like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Date : XX/XX/XXXX Credit Collection Services XXXX. XX/XX/XXXXXXXXXX/XX/XXXX: Account XXXX. XXXX Claimed Amount : {$280.00} To Whom It May Concern : I am writing in response to your reporting and/or attempts to collect the above-referenced account, which you claim was opened on or about XX/XX/XXXX, in the amount of {$280.00}. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, and any other applicable federal and state laws. I dispute this debt and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following : XXXX. The name and address of the original creditor. XXXX. A complete account history, including itemization of the amount claimed ( principal, interest, fees, and any other charges ). XXXX. A copy of any signed contract, application, or agreement bearing my signature that evidences my responsibility for this debt. XXXX. Documentation showing that your company has the legal authority to collect on this account, including proof of assignment or transfer. XXXX. Proof that the statute of limitations has not expired on this alleged debt. Additionally, if you are reporting this account to any credit reporting agencies, please be advised that reporting inaccurate or unverified information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). If this account can not be properly validated, you must cease collection efforts and remove any reporting associated with this account. Pending your full and complete validation of this debt, I request that all communication be made in writing only. This letter is not an acknowledgment of liability, nor is it a refusal to pay, but rather a notice that your claim is disputed and validation is requested. I look forward to your timely response. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TN

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 ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an XXXX credit card. I received my bill late due to mail issues and I paid it in full. There was a late fee then charged of {$40.00}, which I also paid in full, but I paid the late fee late due to not knowing I had a late fee. I then received a XXXX late fee of another {$40.00} for the late fee being late. I called again to have this adjusted and they would not do it. I now have a XXXX late fee of {$40.00} charged for a late fee that I will not pay for a late fee that I already paid. I have XXXX balance on this credit card yet I have been charged {$120.00} in late fees. I have paid the {$40.00} associated with the balance I paid late, but it seems illegal to charge me another {$85.00} for a late fees on a XXXX balance account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
{$1800.00} laptop ordered from online retailer. The order was cancelled prior to receiving the item or the item shipping. The merchant charged anyway. Disputed the transaction with USAA via phone call who granted a temporary return of the funds while they investigated. The USAA representative made no mention of any further documentation I needed to provide. I did not receive adequate notice that documentation was still required. I received no direct communication in the form of email, phone call, text, or mail until the day XX/XX/XXXX notifying me that the dispute has been dismissed because I did not provide the required documentation, and that the temporary funds of {$1800.00} would be reversed. The only form of notice that further documentation was required was the passive application inbox. This Inbox is inundated with documents constantly as all of my bank statements go there. There was nothing to indicate to me that there was a document specifically in regards to the ongoing dispute and that further documentation was required. The dismissal letter only arrived the day before the reversal leaving my account overdrafted by {$1700.00}. My core complaint is that I would expect direct communication regarding ongoing disputes. Rather than delivering a passive application inbox document that is indiscriminate from receiving routine bank statement documents, I would expect at least a direct email regarding the matter, a phonecall, a text message, or physical mail. I received none of these, however USAA had no problem immediately emailing me directly with an abundantly clear subject line regarding my now overdrafted account. I would expect the same form of communcation regarding ongoing disputes -- especially those of a high dollar amount. As you will see in the evidence provided, USAA had no qualms about directly communicating to me regarding an overdraft, however completely neglected to provide the same level of direct communication regarding the dispute and the further documentation that was required. I was not informed the dispute was dismissed by direct communication until the day prior via physical mail. On top of this, the representative that completed my dispute over the phone made XXXX mention of any further documentation that was required. My request is a temporary recredit to get my account out of overdraft and avoid associated fees and an immediate escalation for dispute reconsideration.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding the handling of a dispute by my bank and the conflicting information provided to me, which has caused ongoing and immediate financial harm. I am a consumer currently displaced with a family and a pet. The outcome and timing of this dispute directly affects my ability to maintain shelter and meet basic living needs. Timeline of events : On XX/XX/XXXX, I was told by the bank that the dispute required XXXX business days for review. On XX/XX/XXXX, a bank agent informed me that the claim was approved and that funds would post within XXXX business days. On XX/XX/XXXX, I was told by a supervisor that the claim is NOT eligible for provisional credit during investigation and that the bank has up to XXXX days to resolve the matter. The bank can not explain why I was previously told the claim was approved, and no one can identify where that information originated. I have recorded calls documenting these conflicting statements. As a result, I have been left without access to funds while being told to allow the process to occur, despite the bank being aware that I am displaced and experiencing daily harm due to lack of access to money for basic necessities. This is not simply a dispute about investigation timelines. This is a consumer harm issue caused by inconsistent and contradictory information provided by the bank, resulting in reliance on information that later proved inaccurate. I am requesting : XXXX. A formal review of how conflicting information was communicated to me regarding approval of this claim. XXXX. Clear written clarification of my dispute status and eligibility for provisional credit. XXXX Review of the banks handling of this matter given the ongoing financial harm caused by these inconsistencies. I am not requesting special treatment. I am requesting consistency, transparency, and accountability in how this dispute has been handled.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX"I've had my personal checking account forXX/XX/XXXX years. I had received a payment from a client in the amount of XX/XX/XXXX-XX/XX/XXXXdollars don't recall the exact amount since it has beenXX/XX/XXXXyears since the day of the incident. Chase advanced aroundXX/XX/XXXXdollars which put my account in XX/XX/XXXX when the check bounced. I was no longer able to access my chase app since my account was locked. After calling support they stated I had to visit a chase branch to pay the balance of XX/XX/XXXX dollars to get my account back in the positive. After visitng the branch the bank teller stated they were not able to accept any form of payment on the account since Chase has completely closed all of my accounts. They closed my Chase personal Checking account and closed my Chase Unlimited Credit Card. I was not able to open any bank account with any banking institution since they have reported me as high risk due to this incident. If I'm able to sue chase for all of the chaos they have brought to my life I would. Please advise."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal loan servicer admitted that my updated address was overridden by an internal system and replaced with a prior address. As a result, required repayment and delinquency notices were not properly delivered. Despite acknowledging this system issue, the servicer reported my account as XXXX days delinquent and has refused to correct the reporting. I acted immediately upon discovering the issue and requested forbearance and reinstatement into an income-driven plan. The delinquency reporting resulted from improper notice and a servicing error, not refusal to pay. I am requesting correction of the XXXX day delinquency reporting and a compliance review of the servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened my Wells Fargo account specifically for saving up for a house and paying bills. I just started a new job and moved to a new town. I rarely used the account so I rarely checked it. It was suppose to be for my savings. I had another prepaid card I linked to it bc it would be easier for me to save. I was less likely to use or spend money. I had all my checks direct deposited it there and it seemed to be ok. One day I looked at the balance and it seemed off. They refunded the money. I disputed some missing funds. My money kept disappearing. I kept complaining. They assured me all my transactions were sound. Well I stopped using the account bc it seemed I could just never seem to save a dime. I came to cash a check one day and they said my account was closed and wouldn't explain. Well I'm looking at my transactions I was finally able to determine that my roommate a coworker and a white gentleman at that added himself onto my account. He ordered a a card and had been going into the bank and withdrawing money. I don't understand how he could just add himself onto my account. There was no paperwork. I did not approve of this AT ALL and I'm pretty sure wouldn't I have to sign something or go into the bank. He stole thousands and every time I called and asked what is going on they assured me the transactions on my account were mine, I was crazy, I was trying to get refunds, and there was nothing wrong with my account. I disputed numerous transactions and ended up getting another bank but I can't believe the great level of insecurity they showed me and my account. I want my money back. I was desperately trying to save for my first home and that was how I was treated. They set me back by years.

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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Kora Financial
State: FL

Complaint narrative:
This account is still reporting on my credit report as if I owe a balance and it should not have went to collections being that I paid off the balance in full for what it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I am filing a complaint regarding a blocked wire transfer in the amount of {$2300.00} that has been withheld since XX/XX/XXXX. Citi has confirmed in writing that my transfer was blocked on XX/XX/XXXX, and that Citi reported the blocked funds to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX under reference XXXX and Citi XXXX XXXX XXXXXXXX. Citi states the funds will not be released without an XXXX license. I submitted an XXXX license application on XX/XX/XXXX, immediately after being told the funds were blocked. However, Citi did not report the blocked funds to XXXX until XX/XX/XXXX. This means I was instructed to apply for an XXXX license at a time when XXXX could not locate the blocked funds because they had not been reported yet. This wasted significant time, caused confusion, and directly contributed to this issue remaining unresolved for years. Additionally, during this process I was provided incorrect and inconsistent information, including XXXX documentation that did not match my case and appeared to relate to a different individual with the same name. This raises serious concerns about mishandling of my transaction and personal financial information. This matter has been ongoing for over XXXX years, with repeated circular instructions, delayed responses, and no resolution despite Citi confirming they have the funds.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services XXXXXX/XX/XXXXXXXX Name : XXXX XXXX XXXX SSN XXXX Last XXXX ) : XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this alleged debt and request validation of the claim. Pursuant to 15 U.S.C. XXXXc of the Fair Debt Collection Practices Act, you are hereby notified to cease and desist all communication with me regarding this matter, except as permitted by law to : XXXX. Provide written verification and validation of the alleged debt, and XXXX. Notify me of any specific legal action you intend to take, if applicable. You are not to contact me by telephone, email, text message, or through any third parties, including family members, employers, or acquaintances. All permitted communication must be in writing and sent to the mailing address listed above. If you fail to comply with this request, I will document all further contact and consider filing complaints with the appropriate regulatory agencies and pursuing my legal rights under the Fair Debt Collection Practices Act and any other applicable laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Communication Validation Request / Avant Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this alleged debt and request validation of the claim. Pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, you are hereby notified to cease and desist all communication with me regarding this matter, except as permitted by law to : 1. Provide written verification and validation of the alleged debt, and 2. Notify me of any specific legal action you intend to take, if applicable. You are not to contact me by telephone, email, text message, or through any third parties, including family members, employers, or acquaintances. All permitted communication must be in writing and sent to the mailing address listed above. If you fail to comply with this request, I will document all further contact and consider filing complaints with the appropriate regulatory agencies and pursuing my legal rights under the Fair Debt Collection Practices Act and any other applicable laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PACIFIC CAPITAL EXCHANGE
State: CA

Complaint narrative:
The individual who I spoke to called me " ignorant. '' This is not appropriate for bill collecting.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a notice XX/XX/year> in an email from Bank of America, stating that a purchase, where mt credit card was not present, in the amount of {$700.00}. After investigation, I found that XXXX tickets were purchased fraudulently with my credit card were purchased at an online ticket company called XXXX, I also found that this company is in XXXX. The tickets that were purchased were for a soccer game in XXXX. I have never been to XXXX. I immediately contacted Bank of America to advise them of this fraud, and they cancelled the credit card that was used and issued me a new card that was mailed to me. They also stated that they would issue a temporary credit for the charge while they investigated. I thought the whole process was over until I was contacted by email XX/XX/year> that Bank of America declined my claim, stating that the vender said I had received the tickets by email, which is false, I never placed this order or received any such tickets. This whole transaction is a scam from a foreign country, and I am disgusted that Bank of America would believe a company like this over a customer. Bank of America added the {$700.00} back to my credit card. I also can not believe that Bank of America would even approve a sale of this sort when I have a zero history of any international transactions. Please help, the little guy always seems to lose on these deals

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have signed up for a XXXX XXXX service with XXXX XXXX, where they sent the ring to use for XXXX consecutive nights to perform the XXXX XXXX The ring was suppose to arrive fully charged to connect through the wifi app. I received the ring which went dead soon after I wore it. As I complained that I didn't get to use the ring for the designated time company XXXX rep gave me a superficial answer that data is sufficient to charge me for it. I disagreed and filed a dispute with Wells Fargo business card used for the charge. After a XXXX I've noticed that the initial charge for XXXX shows refunded, but there was another charge placed recently for {$75.00} which fraudulent company was able to place in spite of my request to block them. Claim ID for last charge filed XXXX. And claim 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