vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

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 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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

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 explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge applied to my store credit card account through Synchrony Bank ( XXXX ). I had a promotional no interest if paid in full balance with an expiration date of XX/XX/year>. Prior to the deadline, I made a {$1000.00} payment and also attempted to pay the remaining balance in full. However, a portion of the payment did not process successfully, which I was unaware of at the time as I was traveling XXXX. This was not an intentional failure to pay. I took action in good faith to satisfy the balance before the promotional expiration date. I only became aware that the full payment had not gone through after reviewing my statement upon returning. As a result, a large deferred interest charge was applied retroactively to the account. I contacted Synchrony Bank customer service multiple times to explain the situation and request a one-time goodwill adjustment, but I was told that no assistance could be provided. Given that I made a substantial payment and attempted to pay the remaining balance in full before the deadline, I believe this situation warrants a one-time courtesy adjustment. I am willing to pay the remaining principal balance immediately and am requesting that the deferred interest charge be removed. I am seeking a fair resolution based on my good faith effort to pay the balance in full prior to the promotional deadline.

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were charged for pending flights to get us to XXXX XXXX so we didn't miss our XX/XX/XXXX {$1600.00} for XXXX tickets ( see attached text to show charge ) never got the confirmation email and when we were finally able to book the flight, THE same flight XXXX XX/XX/XXXX later, the cost {$4800.00} for XXXX tickets, costing us {$3100.00} more ( see attached copies of XXXX XXXX ticket purchase using our Chase Sapphire Reserve card. The booking we had to make on our own as Chase XXXX was not cooperating, just making excuses. THEY TRIED TO SAY IT WAS ONLY A PENDING CHARGE AND I INDICATED THAT I HAVE BOOKED TRAVEL WITH CHASE XXXX XXXX TIMES OVER PAST XXXX YEARS AND NEVER HAD A PENDING CHARGE THAT DIDN'T GO THROUGH. On a separate note unrelated to my complaint above, regarding reimbursement for the cancelled flight. Chase travel tried to not give me full credit ( points used ) for the cancelled flight by XXXX even though XXXX reimbursed the amount same day. I had to call/email Chase XXXX customer support XX/XX/XXXX times before they finally reimbursed all of our points used. Under the old points travel program UNDER XXXX I used XXXX points TIMES XXXXXX/XX/XXXX OVER XXXX POINTS, ALL THEY WANTED TO DO IS REIMBURSE XXXX TIME THE POINTS WHICH IS THE XXXX PROGRAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My husband has been trying to add me as a joint owner to his XXXX XXXX XXXX. accounts since XXXX. Initially, I was denied because there was already an account opened in my name ( that we were not aware of ). This was identity theft. I appealed that decision and it was honored. So, he tried adding me again, but there were still issues. Last week, I received an email from a different financial institution ( Ally Bank ) stating that someone tried to open an account in my name, but they couldn't verify my identity. I called in to Ally Bank and told them I did NOT try to open an account, and that it was identity theft. Yesterday, XXXX XXXX requested that my husband upload my proof of identity, in order to add me as a joint owner on his accounts. He did that, since we were still trying to add me as a joint owner. Then, around XXXX am this morning, I received four emails from Ally Bank welcoming me, and stating that two accounts ( Spending XXXX and XXXX XXXX ) were both opened. This tells me that someone ( internally ) at XXXX XXXX is stealing identities and committing identity theft with other financial institutions ( Ally ). I called Ally Bank this morning and informed them ( again ) that I did not open or try to open any accounts with them. We were only working with XXXX XXXX, not Ally Bank. This is identity theft.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - SENTRY RECOVERY AND CO - XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I attended XXXX XXXX, which has since closed. I was pursuing a path toward XXXX but was placed into a health sciences track that was not clearly explained and did not allow my credits to transfer into a XXXX XXXX as expected. I submitted a XXXX XXXX application over one year ago due to this misrepresentation. Despite the length of time, I have not received a resolution or meaningful update. I recently filed a complaint with XXXX XXXX XXXX ( XXXX # XXXX ), but my application remains pending. This delay is causing ongoing financial hardship and uncertainty due to unresolved student loan debt tied to a closed school.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Reached out to collector multiple times and submitted documents to resolve incorrect information and was not successful.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
Thursday XX/XX/year> my brother sent me {$20.00} on Cashapp but to my previous Cashapp account. I informed the online chat representative about the situation. He gave me the steps to recover my previous Cashapp account. It didnt work. I called Cashapp & spoke with a representative who told me there application was showing a system error so in XXXX hours Ill receive a refund. It never happened. I called & online chatted with two more representatives about my situation with not able to access my previous to refund myself {$20.00}. No one could fix my situation. A Manager emails me ; never calls me & asked me verification questions told me how to access my account & my end result was sorry cant help you because Im not able to override the system decision on keeping your account closed. I wrote him back to make sure I understood what he was saying about keeping my money & it was ok that his colleagues lied to me about refunding me my money. Then I signed off with Ill be reporting you to the Consumer Finance Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I found out while on vacation that American Express closed my XXXX XXXX and XXXX XXXX rewards credit cards for no reason. I was having an issue with a few vendors and had to submit disputes. They accused me of scamming them and not being honest. When requesting an appeal or a review, they will not assist or reconsider. They just keep brushing me off for 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: KY

Complaint narrative:
Date : XX/XX/2026 The Stark Collection Agency Re : Account Number XXXX Cease and Desist To Whom It May Concern at The Stark Collection Agency, This letter serves as a formal demand that you immediately cease and desist all further contact and collection attempts regarding the alleged debt associated with my name. I dispute the validity of this debt, and any continued communication without proper verification is unwarranted and unlawful under the Fair Debt Collection Practices Act ( FDCPA ). Effective immediately, you are required to : Stop calling my phone number ( XXXX ).. Stop sending letters, emails, or any other form of communication. Stop contacting my family, employer, or any third parties. Stop reporting or attempting to report inaccurate information to credit bureaus. If you believe this debt is valid, you must provide full written validation, including the original creditor, the amount owed, and documentation bearing my signature, Bill of sale, Purchase Order Agreement and Chain of title. Until such verification is provided, you are prohibited from continuing any collection activity. Failure to comply with this notice will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General. You have reported false and inaccurate information to credit bureaus which I demand to be taken off. I expect written confirmation within XXXX business days that you have received this notice and that all collection efforts have ceased. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX balances & information were disclosed to an unauthorized individual. We notified the bank and they refused to correct their error until all owners ( my wife & myself ) authorized the correction of THEIR error

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
i have deposit check to my business account XXXX XXXX XXXX XXXX on XXXX XXXX witch is irs check for the amount of {$290000.00} after that the have hold on my account ant the wouldn't give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the following inquiries on my Equifax credit report as I believe they are either incorrect or do not belong to me. Inquiries XXXX XXXXXXXX, Date XXXX XXXX XXXX, Date XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I wanted to share my experience with a XXXX XXXX XXXX ( XXXX ) certification course through XXXX XXXX that I purchased in XX/XX/year>. The course website explicitly stated that if I passed their practice exams but failed the actual exam, they'd provide support until I passed. I failed the exam XXXX and reached out to the professor, but he was unresponsive and didn't provide the promised help. He'd hide behind his phone, ignore my messages, and even deleted my account when I tried to leave the course. Luckily, I had saved the relevant emails and documentation showing the course 's promise of support. I provided this evidence to my bank, USAA, and they initially denied my claim. However, after I submitted additional evidence, they reopened the case. Even USAA representatives acknowledged that the course instructor 's actions seemed unfair, given the explicit statements on their website. The instructor passed me off to a student who wasn't even part of the course, and I failed again. I eventually passed with a different course, and the new instructor told me the original instructor 's actions were technically illegal. I'm frustrated that USAA still denied my claim despite the evidence, and I'm reporting this to the Better Business Bureau. USAA should have a customer 's back. Especially that I've been loyal to them for many years. But more so because I provided the exact evidence needed and they still denied my claim. It did not even go to higher ups in this department and I asked to speak to them, and I asked for the documentation and still do not receive it from USAA. They keep passing me off to someone else.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
See details XXXX XX/XX/XXXX Complaint forwarded by the Office of the Comptroller to the CFPB. Assigned XXXX ( Note previously submitted to the CFPB on XX/XX/XXXX # XXXX ) Then referred to XXXX XXXX, Bank of America Resolution Specialist I , assigned # XXXX. XX/XX/XXXX Excerpt from letter received from Bank of America : " Our records do not reflect that you are an authorized signer on the Bank of America account referred to in your inquiry. As such, we are unable to release any account information to you. '' Note : Bank of America has XXXX XXXX 's Letters of Testamentary on file. Furthermore, as of XX/XX/XXXX, XXXX XXXX is the Court Appointed Administrator with the Will Annexed.

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 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
Validation of Debt Request - POSSIBLEFINA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-25 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 ) 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 XX/XX/XXXX 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 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