vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding National Credit Adjusters , LLC and their continued reporting of an alleged debt on my credit report without providing proper validation. On XX/XX/year>, I sent National Credit Adjusters , LLC a written debt validation request regarding an account they are reporting under my name. This request was made pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, which requires a debt collector to provide verification of the debt when it is disputed. Instead of providing proper validation of the alleged debt, National Credit Adjusters responded with a notice stating that sufficient information was not provided to investigate my claim. This response is inappropriate and misleading. It is not my responsibility to prove that a debt is mine ; it is the responsibility of the debt collector to provide verification that the debt is valid and that I am the person legally obligated to pay it. To date, National Credit Adjusters has failed to provide any documentation verifying the alleged debt, such as : A copy of the original agreement or contract bearing my signature Documentation showing I am legally responsible for the debt A full accounting of the alleged balance Proof that they have the legal authority to collect on this account Despite failing to provide proper validation within the required timeframe, National Credit Adjusters continues to report this account to the credit reporting agencies. Reporting a debt that has been disputed and not properly validated may constitute inaccurate and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I filed the complaint with CFPB on XX/XX/year>. I received a response expecting a resolution to my issue in 15 calendar days. Then I receive a responses that it was going to take Truist longer than expected to resolve. It has been a full month now since that response without any resolution. I provided proof to the bank on XX/XX/XXXX and have emailed it to several other since. I have received several notifications regarding the other fraudulent charges made at the same time, that had already been settled- but nothing on the ( 2 ) transactions totaling {$270.00} that are the basis of my claim for which I have not heard anything, along with no response from my emailed inquires. Can you help me find out what the reason for the delay is and / or why it has not been corrected - ample proof has been provided repeatedly since XX/XX/XXXX without resolution. Thank you!

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, Chase charged me a $ XXXX monthly service fee because my checking account balance briefly fell slightly below the {$1500.00} minimum requirement. However, I deposited sufficient funds only two days later to bring the balance back above the required threshold. Because of my schedule, I do not check my account every day, and I relied on the account alert system to notify me if the balance dropped below {$1500.00}. Previously, I had set up an alert to notify me when my balance fell below this level. However, I did not receive any notification when the balance dropped. When I checked my account later, I noticed the alert was no longer active, although I had set it up before. I have now set up the alert again. I contacted Chase and requested that the {$15.00} fee be reversed, explaining that the balance was only temporarily below the threshold and that I had relied on the alert system to notify me. Chase refused to reverse the fee. I believe the fee should be refunded because the balance shortfall was temporary and the alert system I relied on did not notify me as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Alliance One, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to AllianceOne Receivables Management , Inc. regarding an alleged debt they claim I owe to XXXX in the amount of {$100.00}. In my letter, I formally disputed the alleged debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The letter requested documentation proving I am legally responsible for the debt, including the original agreement, account history, and proof that the company has the legal authority to collect the debt. Under the FDCPA, once a consumer disputes a debt and requests validation, the collector must provide proper verification before continuing collection activity. It has now been well over 30 days since my written request was sent, and AllianceOne Receivables Management , Inc. has not provided any response or documentation validating the alleged debt. Because the company failed to respond to my validation request, any continued attempt to collect or report this debt without providing verification may constitute a violation of the Fair Debt Collection Practices Act. I am requesting that this matter be investigated and that the company cease any collection activity and remove this account from any credit reporting agencies due to their failure to properly validate the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> someone fraudulently tried to open up a XXXX XXXX or Capital One card in my name I called Capital One it was denied and they said that they were going to remove it from my credit however is still showing up on my credit bureau reports and I'm requesting that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Dates are XX/XX/year> and XX/XX/year> I do not understand how the was able to get {$1000.00} on the XXXX and turn around and get {$500.00} on the XXXX I was Scammed out of {$1500.00} Some called me with all my information using my bank information... The number was my bank number so I answered the phone .. they had my debit card number and all of my bank account information along with all of the charges that was made over the past month... So I thought it was my bank calling. They told me that my account have some unknown charges .. like XXXX XXXX XXXX and I need to cancel my card and they would issue me another one .. well I went online to look at my account and I did see a charge for bestbuys for {$1300.00}. I was able to cancel that transaction... I was told that these attemp to purchase was from my online banking and they also had my cashapp information... they was able to somehow withdraw {$1500.00} and making it look like I authorize these payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Faxed in modification XXXX, prior to sale date 37 days, received letters XX/XX/year>XXXX received paperwork, per law has to be reviewed, talked to rep at SPS XXXX said never received SEE ALL PROOF! Had renter been trying to get out for not paying reason for delinquency, just need help with modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, I authorised a {$2500.00} wire transfer from my Bank of America checking to my XXXX XXXX Checking, and {$2500.00} was debited. On the same day, I received an email from Bank of America that the wire transaction " Failed '' and was cancelled. On XX/XX/XXXX, Bank of America credited by account for {$2500.00} ( minus {$50.00} ). Bank of America also charged {$30.00} for the outgoing wire ( which is the subject of this claim ) and {$15.00} for the incoming wire ( which they have already agreed to credit ) Bank of America believes that the information I provided on the recipient ( my name ) was missing a hyphen, which is what caused the wire to fail. This is unsubstantiated. I need Bank of America to return the {$30.00} that they debited from my checking account for an outgoing wire that was cancelled

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is refusing to honor a properly executed and notarized Power of Attorney from a customer residing abroad. The document was notarized in XXXX, legalized and re-notarized in the USA. Despite this, they refuse to allow my authorized representative to access my locked account, leaving me without access to my funds while stranded outside the country. This is an unfair and deceptive practice that disproportionately affects international customers.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
I obtained a vehicle title loan from Bay Country Consumer Finance , Inc. in Maryland and received approximately {$2000.00} in cash. However, the statement provided by the company lists the original balance of the loan as about {$3500.00}. I do not clearly understand why the original loan balance was significantly higher than the amount I actually received. The loan required monthly payments of about {$150.00} for a 30-month term. Over time I experienced financial hardship and some payments were late. The company states that they added about {$830.00} in late fees and additional interest charges because of these late payments. According to the payment history provided by the company, I have paid more than {$6300.00} in total on this loan. I am concerned that the total charges, fees, and interest became excessive compared with the amount I originally received. I contacted the company and requested a detailed explanation and a copy of the original loan contract so I can review the interest rate, fees, and loan terms. The company stated they will mail a copy of the contract. I am requesting that the loan charges, interest, and fees be reviewed to determine whether they comply with applicable consumer lending laws and whether the total amount charged to me was accurate and properly disclosed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Credit Control, LLC
State: CA

Complaint narrative:
This collection is involved in litigation fraudulent charges made on this account that I have no knowledge of I tried to fix this with the company but they impacted my credit score threatening me with further actions harassing me

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
Validation of Debt Request - ALDOUSXXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This account is involved in litigation fraudulent charges made against this I have no knowledge of this and I have been getting threatened to get my credit damaged and impacted I have been getting harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of {$1900.00} Account Number Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : 1. The name of the original creditor. 2. A full itemization of the debt, including all interest, fees, and charges. 3. Documentation showing that I agreed to or am responsible for this debt. 4. Proof that you are legally authorized to collect this debt in my state. 5. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
My loan went from approximately {$44000.00} to over {$49000.00} within four months. With the interest rate 6.75 % its not adding up. I have call at least three times for a breakdown to be mailed and nothing yet. They keep saying give it 14 days and as of today I dont have any information yet.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am filing this complaint because Citibank , N.A . has failed to provide a lawful accounting and documented disposition of funds following the closure of two consumer deposit accounts. The bank issued an Executive Response dated XX/XX/year>, stating that the accounts were closed and that no funds were owed. My complaint does not dispute the banks authority to close the accounts. The issue is that Citibank has not provided documentation showing the final balances or explaining how the funds in the accounts were handled at the time of closure. In its response, Citibank did not provide any of the following : The final balance of either account at the time of closure A transaction history or ledger accounting showing how the balances were reduced to zero Identification of any set-off, chargeback, reversal, or internal transfer applied to the accounts Evidence of payment, remittance, or transfer of the funds Documentation showing whether funds were returned, applied to another obligation, or transferred to unclaimed property I previously requested this information from the bank but received only a general statement that no funds were owed, without supporting documentation. While a bank may close an account under its account agreement, it must still account for customer deposits and demonstrate the lawful handling or disposition of those funds. Without documentation showing the final balances and the disposition of funds, the response provided by Citibank is incomplete and does not resolve the issue. I am requesting that the company provide : A complete transaction history and ledger accounting through the date of account closure A written explanation of the disposition of all funds held in the accounts at the time of closure Proof of payment, transfer, or other lawful disposition of funds, if the bank maintains that no balance was owed Until the bank provides this documentation, the matter remains unresolved.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
citi bank closed my account suddenly without any notice, i didnt know after many days, and didnt give back my fund i try to call bank but they keep transfer me from this department from another department and they cant even help and hand up phone on me.I tried to call to solve but citi is not helping.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding my credit card account with Citibank. On XX/XX/year>, a charge of {$1100.00} from XXXX appeared on my Citibank credit card for an order that I never received. The package was marked as delivered by the merchant, but the item was never delivered to me. I attempted multiple times to resolve the issue directly with the merchant, requesting a refund for the undelivered merchandise. Despite repeated contact, the merchant denied my refund request. Because the charge remained unresolved for an extended period of time, this situation created significant financial hardship and stress. Ultimately, Citibank closed my credit card account in XX/XX/year>. I believe this situation warrants review because the transaction involved merchandise that was never received. I would like Citibank to investigate the circumstances surrounding this charge and provide a clear explanation regarding the account closure and the handling of this transaction. This matter involves a billing dispute for merchandise not received under the Fair Credit Billing Act and potential inaccurate reporting under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). I am requesting the following resolution : A formal investigation of the {$1100.00} XXXX XXXX transaction on XX/XX/year> using credit card ending XXXX for merchandise not received. Written clarification regarding the reason for the closure of my credit card account XXXX. Confirmation that this matter will not negatively impact my credit report. I am submitting this complaint in good faith and hope Citibank will review the situation carefully and provide a fair resolution.

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I submitted this complaint regarding the reporting of a 90 -day late payment by Nelnet on my student loans account. In XX/XX/XXXX, this late payment was reported to the credit bureaus and caused a significant drop in my credit scores. XXXX XXXX points, XXXX XXXX XXXX points and my XXXX XXXX points. I disputed this information because i believe the reporting is inaccurate or improperly verified. I specifically in fe requested documentation showing how the 90-day delinquency was calculated and verified. Nelnet responded to the dispute but did not provide any detailed documentation or evidence supporting the reported late payment. they simply stated that the reporting was accurate without providing proof. Since then, i have made a payment in XX/XX/XXXX because this reporting is seriously affecting my credit, i am requesting that Nelnet properly verify the delinquency or correct / remove 90-day late payment from my credit 's reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
trying to collect on a debt that I do not not owe, and a debt not mines.

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