vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing a formal complaint against JEFFERSON CAPITAL SYSTEMS for unlawful debt collection practices and inaccurate credit reporting. This company is reporting multiple collection accounts on my consumer report as follows : Account # XXXX : Account Name : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Balance : {$1400.00} Status : Collection account {$1400.00} past due as of XX/XX/XXXX Account # XXXX : Account Name : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Balance : {$1000.00} Status : Collection account {$1000.00} past due as of XX/XX/XXXX I dispute both accounts in their entirety. Both accounts are being reported inaccurately and misleadingly. A collection account is not an active account with scheduled payments and can not legally report a past due balance. Reporting a past due amount falsely implies an ongoing delinquency and continuing payment obligation. Additionally, JEFFERSON CAPITAL SYSTEMS has failed to provide proper validation for either account. They have not provided : The original contracts bearing my wet signature A complete chain of assignment for both accounts Proof they are licensed to collect debt in the State of Georgia Documentation establishing a permissible purpose under XXXX U.S.C. 1681b Despite this, they continue reporting both accounts. These actions constitute violations of : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 duty to report accurately ) Fair Credit Reporting Act ( 15 U.S.C. 1681b permissible purpose ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g validation requirements ) The repeated reporting of past due balances across multiple collection accounts demonstrates a pattern of inaccurate and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against National Credit Services LLC regarding an alleged debt they claim I owe. This account originates from a loan with an APR exceeding 400 %, which appears to be a predatory lending product. I am a resident of Georgia, where payday lending and excessively high interest rates are heavily restricted or prohibited. I formally requested validation of this debt, including proof of licensing to lend and collect in Georgia, a complete chain of assignment, and documentation showing how such an excessive interest rate complies with applicable laws. The response I received did not provide sufficient evidence to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the company continues to attempt collection and/or report this account to credit bureaus without providing adequate validation, which I believe may also violate the Fair Credit Reporting Act ( FCRA ). Given the questionable legality of the loan terms and the lack of proper validation, I am requesting : XXXX. Immediate cessation of all collection activity XXXX. Deletion of this account from all credit reporting agencies XXXX. Verification of licensing to operate in the state of Georgia If this company can not demonstrate full legal compliance, they should not be allowed to collect or report this debt. I request that this matter be investigated promptly.

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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid my Synchrony Bank XXXX in full {$2800.00}. I attempted to use the card to make a purchase on XX/XX/XXXX at XXXX XXXX for approximately {$800.00} and the transaction was declined for insufficient funds. I reached out to customer service # on the back of the card and was told by the person who answered the phone that there was an irregularity with me paying the bill in full so they were holding the funds until XX/XX/XXXX before applying the credit to my account. On XX/XX/XXXX there was an interest charge applied to my account of {$40.00}. I figured this was an error so I gave it a few days after the payment was applied to see if it would be removed and it was not. I called this morning to inquire the reason for the charge being applied on a bill that was paid in full before the due date and was told that it was because the bill was not paid in full from the previous month. I explained that that was not making sense to me as I paid XXXX credit cards in full on that date and not XXXX of them held my payment for 10 days after the payment or applied additional interest after the payment was made in full. I asked to speak with a supervisor to have this removed and was told none was available until XXXX am. I asked to have a call back from XXXX when they came in and was told I would have to call back as they dont do call backs. Employee # XXXX, XX/XX/XXXX @ approximately XXXXXXXX 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 monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I am needing an old repo removed from all three of my credit bureaus. It is over XXXX XXXX XXXX and the company global lending is still reporting it on my credit, as well as reporting it as open. Company is Global lending, account number : XXXX. This is effecting my score & my approval chances for future auto loans. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
A hold was placed on my deposits since they came from the checking account of XXXX days until XX/XX/XXXX I was able to buy and sell XXXX during this time. I could only withdraw any earnings.. I sold XXXX when it was up and bought when it was down. I was able to withdraw the winning twice. XX/XX/XXXX I went to buy XXXX and the account said it was closed saying I violated the terms and I could withdraw my money. It is still on hold and can not withdray my {$10000.00}. I contacted support and they said I had to appeal. Appeal upheld the decision. Which is fine. I just want to get my {$10000.00} withdrawn back to my linked account. I can not get an answer on getting my money out of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XX/XX/year> I filed a complaint against XXXX and XXXX for sending me a duplicate order of printer and product care plans. and withdrawing a large sum of money from my bank account without my permission. I had some valid refunds. The money was returned to my bank account and they insisted I owed them. Little did I know they colluded with Chase Bank to charge my credit card for those items and XXXX refused to let me return them and thats not standard. I was forced into it. Chase bank backdated the purchase to XXXX and begin charging me for it in building fraudulent charges into my future credit card statements to hide it so fraud was covered up by more fraud. XXXX got the money for me through instant transfer due to the fact it looked like they put extra money in my account. They got their money from my Chase credit card without my knowledge which caused me to have to pay for these items more than XXXX because some of them were already paid for. I didnt even want XXXX printers. I was forced into that and not allowed to return them. Then when I finally break down and open XXXX app, it was already out of warranty because it was used so thats a XXXX whammy. I also noticed sporadic instant transfers to XXXX throughout my account that werent authorized at Chase Bank. I dont pay for my purchases with my debit card and I dont do instant transfers and I see Statement that just says General credit card deposit so I think I was being charged for a lot of air as well, because it didnt list the merchant or which credit card was used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My Florida home qualifies exempt from creditor claims under Florida XXXX XXXX- it is me, my daughter and adult grandson 's primary residence. I have always been the breadwinner for our family- I have worked and paid taxes and social Security for over XXXX years. The Mortgage Company holds Mortgage on our home- has been soliciting me to take out an Equity loan {$75000.00} for about a year now- we need to replace a/c and replace gutter guards and some other work so I applied explaining I need to communicate in writing due to severe Speech/Hearing impairments. The Mortgage Company assigned a Mortgage Loan XXXX who : XXXX ) Refused to honor my request for accommodation for my Speech/Hearing handicaps by communicating in writing with me ; XXXX ( demanded I sign Loan Package I was not allowed to read before signing ; Took {$250.00} Loan Application from my checking account and I have nothing. I have never dealt with such blatant bullying from a Mortgage Lender and did not trust him so I cancelled the transaction and demanded refund of {$250.00} but I have received nothing. I have XXXX Judgments against me and Loan XXXX demanded I pay despite XXXX status of my home renders them unenforceable - One was for XXXX - my XXXX car had manufacture defect - rear doors would not open- I voluntarily surrendered car - XXXX somehow resold it and I wrote XXXX Credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXX ) explaining and XXXX Judgment was removed from my credit report and other was a disputed unsecured credit card matter that no longer shows on XXXX XXXX XXXX XXXX reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I opened an account with XXXX who used Fortiva to finance their equipment. Instead of reporting to the credit bureau as an installment loan they reported it as a credit card with maxed out credit utilization which has negatively affected my credit. I was told by the XXXX sales person that there was a set monthly payment. This happened on XX/XX/year> and reported XX/XX/year>. I was misled by both XXXX and Fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am filing a formal complaint against HARRIS & HARRIS LTD regarding unlawful debt collection practices and inaccurate credit reporting. The company is reporting the following account on my consumer report : Account Name : HARRIS & HARRIS LTD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$320.00} Status : Collection account {$320.00} past due as of XX/XX/XXXX Last Updated : XX/XX/XXXX I dispute the validity of this alleged debt in its entirety. This account is being reported inaccurately. A collection account is not an active account with scheduled payments and can not legally report a past due balance. Reporting a past due amount falsely implies an ongoing delinquency and is materially misleading. Additionally, HARRIS & HARRIS LTD has failed to provide proper validation of this alleged debt. They have not provided : The original contract bearing my wet signature A complete chain of assignment showing legal ownership Proof they are licensed to collect debt in the State of Georgia Any documentation establishing a permissible purpose under 15 U.S.C. 1681b Despite this lack of validation, they continue to report this account. These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 duty of accuracy ) Fair Credit Reporting Act ( 15 U.S.C. 1681b permissible purpose ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g validation requirements ) The reporting of a past due balance on a collection account is inaccurate, misleading, and noncompliant with XXXX reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is beyond ridiculous! That I have to do this I have been banking with Bank of America for a while now. But I have my funds within the accounts that I have to pay bills, eat, buy food for my new born baby and rent etc, why is this bank holding my money? I use this account as my main account for banking so XXXX am very very disappointed this gave me a very bad taste for the banking system. I cant pay my rent my landlord is tryna evict me I owe my light bills, car etc XXXX basically gon na be homeless do to this and its my money!!!! I have a few disputes in the past due to XXXX compromising my debt card and my phone etc, but this is ridiculous I cant send XXXX, use my debit card, withdrawn cash ANYTHING! XXXX in emergency need of my money I will be out on the STREETS!!! And its sad cause to trust a bank you like and they actually do not care about their clients for this to happen is appalling very bad horrible. I need to use my money I need my debit card working, send XXXX, and withdraw deposits. And the back off of risk closing drag theyre feet during the process with reality happening these financial institutions doesnt care about people and this help me realize that I want nothing to do with this bank because of this its embarrassing and very lack of caring of what happen to they customers thats terrible in all kinda ways customers come first! Especially good ones with long with standing business smh

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 2026-03-19 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: PA

Complaint narrative:
I submitted a formal dispute in XX/XX/year> regarding an account reported by Jefferson Capital Systems , LLC, which I do not recognize and did not authorize. In my dispute, I requested full validation of the alleged debt, including the original creditor, a signed agreement, proof of ownership or assignment, and a complete itemization of the balance. In a response dated XX/XX/year>, the company stated that it was unable to locate any account associated with the information provided. Despite this admission, the account has been reported on my consumer credit file. This response creates a direct legal contradiction. If the company is furnishing information to consumer reporting agencies, it must possess sufficient identifying information to locate, investigate, and verify the account. Their inability to locate the account demonstrates that they can not reasonably verify the accuracy or completeness of the information being reported. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), furnishers are required to conduct a reasonable investigation upon dispute and report only information that is accurate and verifiable. An account that can not be located can not be verified. Continued reporting under these circumstances constitutes the furnishing of inaccurate and/or unverified information. Additionally, under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the company is required to provide validation of the alleged debt upon request. Jefferson Capital Systems , LLC has failed to provide any documentation establishing my legal obligation, including any signed agreement, account-level documentation, or proof of assignment. The companys response improperly shifts the burden onto me to provide additional identifying information, despite the fact that they are the party furnishing the data and are required to maintain sufficient records to substantiate their reporting. I have made a good faith effort to resolve this matter and provided sufficient information to identify the account as it appears on my credit report. The companys failure to locate, verify, or validate the account demonstrates noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My dad passed away in XXXX of XXXX he had a heloc loan he was paying off, $ XXXX left, its with Bank of America. Theyve been harassing me via mail, email and phone, threatening me with foreclosure on MY HOUSE. Now the deed had my name and my fathers on it. The Bank of America heloc loan has my late fathers name and his late wifes name ( yes she is dead too ) on it. Am I responsible for that heloc loan repayment? I thought debts arent your responsibility if theyre for someone else in their name and they die. I sent them copies of the death certificate and cremation certificate that u have for them both, Ive done this XXXX times. Why are the still harassing me and XXXX XXXX really responsible for this?

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I am filing a complaint against a debt collection agency identifying themselves as XXXX XXXX XXXX XXXX They have contacted me by phone and text regarding an alleged debt. They have not provided me any written validation of the debt. I have not received any written notice of this debt by mail or email. despite multiple attempts by this company to collect payment. When I requested a validation letter, I was told that if they sent XXXX, I would no longer be eligible for a settlement offer. this felt coercive and discouraged me from exercising my legal rights. Additionally, the amount they are attempting to collect has more than doubled. When I asked for clarification, I was told that it was due to a lease-to own agreement and that " I should have known, '' but no detailed breakdown or documentation has been provided to justify the increased balance. They have also used urgent and threatening language, including stating that a case is scheduled to be filed against me, without providing any official documentation. When I missed their payment deadline they created to pressure me into paying, their supervisor called and left me a voicemail stating that my previously offered settlement is revoked. The voicemail instructed me to have my lawyer, contact them directly. This action felt like retaliation and intimidation. I do not have confirmation that this company owns the debt it has the legal authority to collect it. I believe these actions violate the fair debt collection practices act. including failure to provide required written notice. attempting to collect a debt without validation. deceptive practices and misrepresentation of the debt amount. Coercion regarding the debt validation and settlement options. Improper threats, retaliation and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
In approximately XX/XX/year>, I discovered that my mortgage account was incorrectly coded by my servicer as being in bankruptcy. I am the sole borrower on this loan and have never filed for bankruptcy. My spouse previously filed for bankruptcy and received a discharge ; however, my spouse is not a borrower on this mortgage loan, and the loan was not included in that bankruptcy. Around XX/XX/year>, I contacted the mortgage servicer and notified them of the error. I provided documentation, including the bankruptcy discharge papers, to demonstrate that the bankruptcy does not apply to me or this loan. Despite this, the servicer has not corrected the issue. My account continues to be incorrectly flagged as in bankruptcy. As a result, I am unable to fully access my account online and have limited ability to manage my loan and make payments. This error is interfering with normal loan servicing and creates a risk of payment issues due to restricted access. I am requesting that the servicer immediately : Remove the incorrect bankruptcy designation from my loan Restore full access to my account Confirm in writing that my loan is not associated with any bankruptcy Ensure that no fees, penalties, or negative servicing actions occur due to this error I previously notified the servicer and provided documentation, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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:
On XX/XX/XXXXXXXX XXXX XXXX XXXX money was withdrawn from account without authorization. {$1000.00} a fraud complaint was filled and they stated that I signed with biometrics which I never use and rejected the claim.

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