vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MA

Complaint narrative:
I sent {$1000.00} from my XXXX account to my father 's XXXX account in XXXX XXXX. I sent this amount through an app called Abound which is affliated with the XXXX XXXX XXXX. The transaction shows as delivered but there is no amount that has been received. My father checked with the bank to find there is no pending transaction either. The transfer was initiated on XXXX XX/XX/2026, received by the app on XXXX XXXX, sent to XXXX by XXXX XXXX and shows as delivered by XXXX XXXX, XXXX. I have contacted Abound on several occasions to no susbtantial avail or response. They have infact asked me to share vital information such as my father 's bank statements and account type that I do not feel comfortable sharing with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this formal complaint against Chase Bank for its repeated failure to protect my account from unauthorized and fraudulent merchant pulls, despite my prior attempts to resolve these issues. XXXX. Fraudulent Charges ( No Authorization Given ) : Merchant : XXXX Timeline : Since early XXXX to present. Issue : I have NEVER subscribed to or authorized any payments to XXXX. This is a clear case of fraudulent activity/identity theft. Despite my reports, Chase has failed to permanently block this merchant or refund the unauthorized transactions. XXXX. Revoked Authorization ( Cancelled but Still Charging ) : Merchants : XXXX XXXX ( since XX/XX/XXXX ), XXXX ( since XX/XX/XXXX ), and XXXX ( since XX/XX/XXXX ). Issue : I explicitly cancelled these subscriptions and revoked payment authorization in late XXXX. Under the Electronic Fund Transfer Act ( Regulation E ), the bank is obligated to honor a " Stop Payment '' request once authorization is revoked. However, Chase has allowed these merchants to continue pulling funds from my account month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rosenberg & Associates Recovery Services
State: TN

Complaint narrative:
A male has repeatedly called from various phone numbers and claims to be with Rosenberg and Associates Law office. These numbers call multiple times daily and requests a call back. When I spoke with someone at this office on several different occasions, I requested the original loan documentation because I am not aware of any loan they are referencing. I attempted to contact the " real '' Rosenberg and Associates Law office and they advised me that they have no documentation of my account with their office and they do not recognize any of the names or numbers provided by myself that have contacted me. The last conversation with this male impersonating their law office ended with him threatening me and advising me that collection " tactics '' will continue until I have paid their office the balance due of over {$1000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Loqbox US Inc
State: NJ

Complaint narrative:
I am submitting this complaint to formally dispute an inaccurate account reported on my XXXX credit report by Loqbox. Loqbox is no longer operating within the United States and currently only resides and conducts business in the XXXX XXXX. As such, this account can not be legally or accurately reported on my XXXX credit file. Its continued reporting is misleading, unverifiable, and a violation of my rights under the Fair Credit Reporting Act. I respectfully request immediate investigation and removal of this account from my Equifax credit report as required by law.

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 2026-02-24 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX of XXXX XXXX XXXX XXXX {$290.00} for an online appointment. He prescribed infared pads and medications for healing of my neuropathy. I paid his clinic {$3900.00} on XXXX XXXX, XXXX via my Chase credit card. My statement lists his clinic as XXXX XXXXXXXX XXXX. I received the medications, but I received a solid object that looked like a robot leg and foot. I called the clinic, but was unable to talk to a knowledgeable person, so I cancelled the credit card payment. Days later they called and promised to send a return label for the incorrect merchandise ; this I did. I, also, re-billed the {$3900.00} to their account. That was re-billed under the date of XXXX XXXX, XXXX. Now, XXXX XXXX has contended over and over again that he has not received the money in his account. I have called Chase Fraud Dept. XXXX times, and they assure me that the money has been transferred. XXXX XXXX says it is not in his account!! Chase contends they have sent it!!! .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I received a letter from TD bank about my complaint XXXX stating they would fixed my credit in XXXX days. It has been well over XXXX days and nothing has been fixed. I called the number on the letter and they told me was calling the wrong number because it was customer service not the credit line. I told them it was the number on the letter. I was then asked if I filled out a form to get my credit fixed and I told the nice lady that I was told multiple times that it would be fixed and handled. I have been going through XXXX with my mortgage the last three years now and it just wont stop. My credit has been so affected and I need to do things with it and cant. I figured they would up hold their word and fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a long-standing American Express customer with approximately XXXX personal and business accounts, including credit cards, savings, and business checking. During my most recent billing cycle, the American Express website homepage displayed a {$0.00} amount due. Based on that display, I reasonably believed no payment was required. It was only after receiving a late notification that I discovered a payment had been due. I immediately paid the balance in full. The payment was XXXX days past the due date. I contacted customer service to request a one-time courtesy removal of the late fee, given the website display and my long-standing history. The supervisor declined the request. More concerning, when I requested escalation options or contact information for a formal complaint or higher-level review, the supervisor refused to provide any such information. I was not given details for an XXXX office, complaint department, or alternative escalation pathway. My concerns are : XXXX The website homepage displayed {$0.00} due, which a reasonable customer would interpret as no payment required. XXXX I was denied information regarding formal escalation procedures within a regulated financial institution. I am requesting : -A XXXX-time courtesy removal of the late fee. -Confirmation that this XXXX-day delay will not be reported to any credit bureau. -Clarification of American Expresss formal complaint and escalation procedures. -Review of the customer service interaction to ensure customers are not denied access to escalation channels. I value my long-standing relationship with American Express and XXXX seeking fair and transparent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: NV

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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am attempting to obtain written validation and written settlement confirmation. Both XXXX XXXX and Citi are refusing to provide documentation while continuing collection efforts.

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 2026-02-24 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: VA

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 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
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability Recovery is fraudulently trying to collect debt or re-aging invalid debt.

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 2026-02-24 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: TX

Complaint narrative:
There were attempts to collect debt amount of {$3800.00} from original amount of {$3400.00} which i don't know of. It is originally from XXXX XXXX and was forwarded to Jefferson Capital System for collection. I never received any mails regarding what was owed. I happened to find out on my credit report that there was collection of debt owed to me. I did not open any credit with XXXX XXXX dated XXXX XXXX. I have called to XXXX XXXX once to find out and resolve the issues but there was too much personal information was asked which I was feared to provide. They did not stated any information to me. I would like to clear this from my credit report and report of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: MN

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 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I submitted my Income-Driven Repayment ( XXXX ) application through StudentAid.gov over a year ago using the IRS Data XXXX XXXX XXXX as I am self-employed and this is the required federal method for accurate income verification. StudentAid.gov reflects that my XXXX is active and that I am not required to recertify until XXXX. However, the application continues to display as pending. I received a past-due notice from XXXX in XXXX. They wanted me to fill out an XXXX but I told them I already had done that on student aid.gov. They said they didn't recieve it. I logged online at Studentaid.gov and saw that my XXXX application status was pending. I contacted StudentAid.gov requesting that the pending status be corrected, but the issue was not resolved. Studnetaid.gov told me to contact XXXX and have them reach out to put pressure on the government to fix the " pending '' error. I have also attempted to submit complaints through the StudentAid.gov Feedback Center, but the online submission form fails after submission. All of my other federal loan servicers are properly honoring my XXXX plan. Sloan Servicing is the only servicer refusing to apply the IDR. Instead, Sloan Servicing is requiring that I complete a separate income-based repayment application and income verification form directly through them, despite the fact that my income was already verified through the IRS data authorization process on StudentAid.gov. As a self-employed borrower, the IRS data retrieval process is the appropriate and authorized method of income verification. XXXX XXXX demand that I submit a duplicate, servicer-specific form is redundant and inconsistent with the federal XXXX submission process. Because Sloan Servicing has not applied the XXXX correctly, I have previously had to use personal forbearance to prevent delinquency. I do not wish to continue using personal forbearance for an issue caused by servicing and system delays rather than borrower noncompliance. Sloan Servicing has now issued delinquency notices despite my federally submitted XXXX remaining active on StudentAid.gov. This appears to be a servicing and system synchronization failure, not borrower error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have spoken to Comenity bank about a payment plan and have been on XXXX for the last year to pay down my debt. Recently, they have been calling my family members and leaving voicemails about the debt, which isnt legal. They keep harassing them and leaving voicemails for me even though they cant legally discuss my debt with anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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:
Made a deposit at the branch. The deposit was by check in the amount of {$23000.00}. At the time of the deposit i was advised by the bank teller that this money will be available next business day. The teller provided receipt that stated this money will be available next business day. As soon as i walked out of the branch i accessed the internet application on my phone and it confirmed that money will be available next business day. Next morning, when i accessed my account, i found out that this deposit was placed on hold for next XXXX business days. At that time i contacted the check issuer and was informed that the money were taken out of issuer account and they provided the print out. I understand that there is a certain process to clear large amount of funds. XXXX Bank of America has FAILED to notify me that it will take XXXX business days to clear the check. Had i known about it, i would never go through with it. As a result of the misinformation by Bank of America my business had incurred a huge amounts of late fees and loss of business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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: AZ

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
I sent a judgement proof letters to the original creditor which is XXXX credit ( XXXX ) on XX/XX/XXXX. That is around the time I was unable to continue to pay my credit debts. They didn't send a reply. Around XX/XX/XXXX I got a letter from a XXXX office called Lloyd & McDaniel , PLC address is p.o. box XXXX XXXX Kentucky XXXX. I called them around XX/XX/XXXX asking for a hardship due to my judgement proof status. They said we don't do hardships and we will continue trying to collect even if you are judgement proof. I sent a second round of judgement proof letters to both XXXX and XXXX XXXX of XXXX and got no reply. I began to get advertisements from bankruptcy lawyers saying I was being sued in XXXX of XXXX. Went online and XXXX being sued by XXXX and numerous other creditors that all know XXXX judgement proof. So I sent them another letter before the papers were served telling them I was reporting them for the threat and for continuing to try and collect on a debit that they cant recover. This can be constituted as harassment because they know they can collect yet they keep pushing the debt and actually have taken me to court. They failed to acknowledge my statue as being exempt under federal and state law. They violated my cease and desist by ignoring my request for a hardship by continuing collection efforts and failing to address my hardship. So in the mean time they got my letter in the mail and XXXX days later I was served with court papers. now I have to go to court. XXXX pretty sure the last letter I sent that said I was reporting them made them mad.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: MRS BPO, LLC
State: IN

Complaint narrative:
On XX/XX/year>, MRS BPO LLC texted me at XXXX PM, telling me to contact them concerning a matter with XXXX XXXX, XXXX. It then said that XXXX is a collection agency. ( See attached screenshot ). I responded via a contact form on their website and asked why they were contacting me at XXXX PM which is a violation of federal law. I got no response. They eventually sold the debt to someone else early this year. According to letters I received, XXXX XXXX info is as follows : XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX Acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation