vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems XXXX issued a duplicate collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
I reported approximately {$1400.00} in unauthorized electronic transactions on my personal checking account. After I reported the fraud, U.S. Bank began closing both my personal and business checking accounts. This was confirmed by multiple representatives, including XXXX who told me directly on the phone that both of my accounts are closing and the bank is ending their relationship with me, but could not tell me why. When I asked if this closure was happening because I reported fraud, she repeated that the accounts were closing and I would receive a letter in the mail, without providing any explanation. 

During the call, the rep stated that my accounts had holds, that I would not have access to my funds, and that if any money was left after their investigation, they will send it in a cashiers check. None of this follows Regulation E. 

U.S. Bank issued only partial provisional credit ( around {$600.00} ), even though the total unauthorized amount was approximately {$1400.00}. When I asked why I did not receive the full provisional credit, nobody could give a reason. I was also told that my account being closed means I can not access even the money that was credited, which violates Regulation Es requirement that consumers have full use of provisional credit during an investigation. 

I also tried to report additional unauthorized charges I discovered, and the bank refused to add them. I have not received any written investigation results. 

Reporting fraud should not result in losing access to my money or having my banking relationship terminated. The statements made to me by the representative that my accounts were closing, that the bank doesnt give us the reason why, that my funds would only come after an undefined investigation, and that I would receive whatever money is left in a cashiers check shows that U.S. Bank is not following Regulation E procedures. 

This situation has caused serious financial hardship. I do not understand how reporting fraud on my account resulted in both accounts being closed and my funds being restricted.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
i recently Viewed my XXXX report and noticed that there were fraudulent accounts reporting to my credit report. These accounts need to be removed immediately. ( RADIUS GLOBAL SOLUTIONS LLC ) with the amount of {$3100.00} opened on XXXX XXXX i have no knowledge of this account and need it removed as it is stopping me from obtaining credit. PLEASE REMOVE IMMEDIATELY. My information was used in the data breach.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I am submitting this complaint regarding improper over-limit fees, interest, and balance inflation on my XXXX XXXX account ending in XXXX. 

I did not exceed my credit limit through spending. During the relevant billing cycles, I made payments on my account. XXXX approved transactions before my payments were posted and applied to restore available credit. Due to XXXX internal payment posting order, my account was incorrectly treated as over the credit limit. 

As a result of this posting sequence : XXXX authorized transactions that caused the account to exceed the credit limit Over-limit fees were charged even though payments had been made Interest was charged on balances inflated by fees My balance increased beyond my {$350.00} credit limit despite active payments This was not caused by overspending, but by Aspires decision to apply transactions before posting payments, combined with enabling over-limit coverage and then charging fees for the resulting condition. 

I am disputing all over-limit fees and any interest assessed as a result of those fees. I am also disputing the practice of approving transactions that caused the account to exceed its credit limit and then penalizing me for that condition. 

I am submitting this complaint after identifying the posting-order issue through review of my statements and account records. Also after chatting with an agent.

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 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Comerica
State: NH

Complaint narrative:
XXXX XXXX released {$390.00} from my account on XX/XX/year>, which put me into overdraft. 

I immediately called and questioned the charge. They said it was an adjustment reversal debit. 

They could not prove to me that there was an original charge of XXXX that they had to adjust. Nowhere on my account does that number appear. 

They had a dispute on XX/XX/year>, and said all transactions were valid. 
I questioned how they came to that answer and where there is proof that I owed XXXX They refused to answer. Below is my letter to them To Whom It May Concern, I am writing to formally dispute an adjustment reversal debit on XX/XX/year>, for {$390.00}, applied to my account, and demand disclosure of all records related to this transaction. 
XXXX XXXX has represented that the debit in question was an adjustment reversal. However, no documentation, explanation, or underlying transaction records have been provided to me. An adjustment reversal necessarily corresponds to a prior transaction, error, or correction and must be supported by internal records identifying its origin, purpose, and authorization basis. 
Please provide the transaction reference number, the date of the adjustment reversal debit, and the official reason code or description associated with it. 
As the account holder, I did not authorize any adjustment, reversal, or debit resulting in the removal of funds from my account. I therefore formally demand the following in writing : The reason for the adjustment reversal debit The original transaction or adjustment being reversed, including dates and amounts All internal reference numbers, trace numbers, and ledger entries associated with this debit The policy, procedure, or authority under which this adjustment reversal was applied Copies of any records or documentation supporting the debit XXXX to provide this information is not justified. If no valid authorization or supporting documentation exists, this debit must be treated as unauthorized, and the funds must be restored to my account without delay. 
If XXXX XXXX maintains that it is unable to release this information, I request written confirmation stating that no supporting records exist. Absent such records, continued retention of these funds is improper. 
Please consider this a formal demand for correction and documentation. I expect a written response within XXXX ( XXXX ) business days. Failure to adequately address this matter may result in escalation to appropriate regulatory and consumer protection authorities. 
This correspondence is sent without waiver of any rights or remedies, all of which are expressly reserved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MN

Complaint narrative:
Company name : MoneyLion Product type : Checking account What happened : I am filing a complaint regarding unauthorized and fraudulent activity on my MoneyLion account. On XX/XX/year>, at approximately XXXX XXXX XXXX XXXX, and XXXX XXXX  I discovered multiple transactions that I did not authorize. 

I immediately contacted MoneyLion to report the fraud and request assistance. Since discovering the fraudulent activity, I have contacted MoneyLion four ( 4 ) times by phone and eight ( 8 ) times via email. I specifically requested a fraud affidavit and proper documentation to formally dispute the unauthorized transactions. 

Despite my repeated attempts to resolve this matter, MoneyLion denied my fraud claim and failed to provide the requested fraud affidavit or a REASONABLE EXPLANATION for the denial. No adequate investigation results or supporting documentation were provided to me. 

As a result, I am being held responsible for fraudulent charges that I did not authorize, which has caused financial harm and unnecessary stress. MoneyLions failure to provide dispute documentation and meaningful assistance has prevented me from fully protecting myself from financial and potential credit harm. 


How much money is involved : The total amount involved is {$460.00}. 



What Ive done so far I promptly reported the fraud to MoneyLion and followed their dispute process to the best of my ability. I contacted the company multiple times by phone and email and requested a fraud affidavit and investigation details. 


I am in the process of filing a police report and have retained records of all communications related to this matter. 

I have drafted my own general affidavit with the statement of the facts and it all it needs to be completed is the police report number so it can be notarized. 

I will be sending this CFPB report, along with the police report, the affidavit, and any other documentation I can to MoneyLion.

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 2026-02-04 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: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : XXXX. The amount of the debt. XXXX. The name of the original creditor. XXXX. Documentation showing that I am legally obligated to pay this debt. XXXX. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
I went away for XXXX years and lost my card. I requested a new one and fill out the information. And it tells me they can't send me a new card at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App said that I was in violation of policy. I asked what policy did I violate no answer. Thdd deed y said I could appeal it so I said ok. Then no answer. Then I asked them whats next what fo I fo they said try opening a new account did that three times all three are canceled. It started in XXXX of XXXX. I have been trying to contact anyone in charge to at least give me a reason for the cancellation and its the same thing we cant disclose or discuss that information. So how can I appeal if I dont know what it is. So I told them thats discrimination and still no answer. Then the had someone say that they would help assist me. Again they start then nothing not a message not an answer as to why or what violation occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request validation of the collection account referenced in your recent correspondence. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper documentation verifying the validity of this alleged debt. This documentation should include the name of the original creditor, the total amount claimed, a complete payment history, and proof that I am legally obligated for the account. This request is made to ensure that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I respectfully request that all collection activity and credit reporting related to this account be suspended in accordance with applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
On or about XX/XX/year>, Jefferson Capital Systems , LLC began reporting a collection account on my credit report for an alleged debt in the amount of approximately {$690.00}. This company is listed as a debt buyer. 

I dispute this account in its entirety. I requested validation of the alleged debt, including proof of ownership, a complete payment history, and documentation from the original creditor showing that I have a legal obligation to pay this account. To date, I have not received sufficient verification. 

Despite the lack of proper validation, Jefferson Capital Systems , LLC continues to furnish this account to credit reporting agencies, which I believe is inaccurate and misleading. This ongoing reporting is negatively impacting my credit profile and financial opportunities. 

I am requesting that Jefferson Capital Systems , LLC either provide full written validation of this alleged debt, including proof of legal ownership and complete account documentation, or remove this collection account from all credit reporting agencies if such validation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing regarding the collection account currently reported on my credit file under my name. I respectfully request a review of this account and consideration for its removal. 

After reviewing my credit report, I believe this account is either inaccurate, outdated, or no longer reflects my current financial standing. I have taken steps to improve my financial responsibility and ensure all current obligations are met in a timely manner. 

I kindly ask that you investigate this matter and, if appropriate, remove the collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of the results of your review. 

Thank you for your time and cooperation. I appreciate your assistance in helping ensure my credit report accurately reflects my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am formally disputing this account in its entirety and request all documentation for the account for validation including but not limited to the original contract with my signature and financial statements of the account history from the creditor, your authority to collect this debt, proof of assignment, and your license to collect in my state to start. This dispute will serve as a notice of the inaccurate information that is on the credit reports for this account as well as the opportunity for your company to correct the account and any additional action/ enforcement on my behalf the account information on account in question is listed below : PORTFOLIO RECOV ASSOC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ). I have attached a copy of my license and a bill for verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Debt Collector Non-Responsiveness and Denial of Settlement Completion To Whom It May Concern, I am submitting this complaint regarding a debt collection matter involving Wells Fargo and its assigned collection agency, XXXX XXXX XXXX. 

In late XXXX, I entered into a XXXX XXXX  agreement with Wells Fargo regarding a credit card account. I faithfully made XXXX consecutive monthly payments under that agreement and was nearing full completion, with only XXXX final payments remaining. 

Due to a period of severe XXXX XXXX XXXX XXXX XXXX I inadvertently missed the last XXXX payments. As soon as I realized this, I immediately contacted Wells Fargo with the intent and ability to pay the remaining balance in full and complete the settlement. 

Wells Fargo informed me that the account had already been transferred to XXXX XXXX XXXX. I promptly contacted XXXX XXXX XXXX ( XXXX ) and was told my account was assigned to an agent named XXXX XXXX at ext XXXX ). I have made multiple good-faith attempts to contact her to resolve this matter and pay the remaining balance. My calls and messages have gone unanswered, and I have not been provided a clear path to reinstate or complete the original settlement. 

Additionally, XXXX XXXX XXXX has indicated that they require a release from Clarity Debt Resolution a company I briefly engaged in the past ( more than XXXX years ago ) but am no longer working with before they will engage with me. This has further delayed resolution and appears unnecessary, as my settlement agreement was directly with Wells Fargo and nearly completed. 

I am actively attempting to resolve this debt, have the funds available to do so, and am being prevented from completing payment due to lack of responsiveness and procedural barriers beyond my control. Meanwhile, the account continues to negatively impact my credit. 

I respectfully request assistance in : Prompt engagement from XXXX XXXX XXXX The ability to complete the final payments ( separately or in full ) Fair treatment in recognition of my substantial compliance with the original settlement Thank you for your time and assistance. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
never properly served me. they are trying to garnish my wages. I never knew I had court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: VA

Complaint narrative:
I am writing to formally request validation of the collection account referenced in your recent correspondence. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper documentation verifying the validity of this alleged debt. This documentation should include the name of the original creditor, the total amount claimed, a complete payment history, and proof that I am legally obligated for the account. This request is made to ensure that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I respectfully request that all collection activity and credit reporting related to this account be suspended in accordance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
There is an debt collection on my credit report that isnt mine the name is even spelled wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : XXXX. The amount of the debt. XXXX. The name of the original creditor. XXXX. Documentation showing that I am legally obligated to pay this debt. XXXX. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation