vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XXXX of XXXX, a charge of {$1.00} was made on my account. I did not authorize this. At the same time an additional charge of {$15.00} for the same place was also attempted. I received a fraudulent alert from the company and I acknowledge that it was not me. They removed the {$15.00} but the {$1.00} remained on my account. I sent a dispute via letter and numerous emails concerning this and they have done absolutely nothing. Since that time I have been charged an additional {$2.00} on XX/XX/XXXX for fees, a late payment charge on XX/XX/XXXX {$3.00}, a fee of {$2.00} on XX/XX/XXXX and currently show a balance of {$9.00} which is all because of the {$1.00} unauthorized charge {$1.00} + {$2.00} + {$3.00} + {$2.00} = {$9.00} I have requested multiple times to have this removed and they closed my dispute with no explanation or fixing my account. I did request a new card at the beginning as well. I had to lock my card to prevent any further charges, because they refused that as well.

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 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] [ XX/XX/year> ] Credit Acceptance Corporation [ XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX ] Subject : Formal Dispute of Account Under Texas and Federal Consumer Protection Laws Account Number : XXXX Dear Credit Acceptance Corporation, I am writing to dispute the validity of the above-referenced account under both Texas law and federal law, specifically : - Texas Finance Code 392 ( Texas Debt Collection Act ) - Texas Business & Commerce Code 17 ( Texas Deceptive Trade Practices Act ) - 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act FDCPA ) - 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act FCRA ) Under these statutes, I demand the following : 1. Debt Validation : Provide full documentation proving the debt is valid, including the original signed contract, itemized statements, and evidence of your legal right to collect.

2. Cease Collection Until Validation : As required by the FDCPA, all collection activity must stop until proper validation is provided. 
XXXX. Removal of Negative Credit Reporting : Under the FCRA, you must immediately remove any negative credit reporting related to this account from all credit bureaus until the debt is fully validated. Reporting disputed or unverified information violates federal law.

4. Waiver of Interest and Fees : Pursuant to Texas Finance Code 392 and the FDCPA, I demand that all accrued interest, late fees, and other charges be waived immediately, as these amounts are disputed and can not be lawfully collected without proper validation. 
5. Written Communication Only : Under the FDCPA, I require that all future communication regarding this matter be in writing only. Telephone calls are strictly prohibited.

6. Compliance Confirmation : Confirm that all collection and reporting practices comply with Texas Finance Code 392, the FDCPA, and the FCRA.

Failure to comply may result in reporting this matter to the Texas Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under both state and federal law. 

Please respond within 30 days of receipt of this letter. All communication should be in writing. 

Sincerely, [ XXXX XXXX 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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am submitting this complaint regarding PayPal, which has unjustly banned my account and accused me of engaging in incentivized reviews without providing any proof. 

My account was suddenly suspended, and I received a notification claiming that I had participated in incentivized reviews. I categorically deny these allegations. At no point did I receive incentives for reviews, and the company has provided no evidence to support their claim. 

Furthermore, I was not given an opportunity to defend myself or appeal the decision. The companys actions were unilateral and lacked transparency or due process. I believe this is unfair and has caused unnecessary disruption and harm. 

It is not good business to engage in arbitrary account suspensions or false accusations without providing customers an opportunity to respond or appeal. I would also like my account reinstated or, at minimum, a formal explanation and evidence supporting their claim. 

Desired Resolution : Review and reversal of the account ban. 

Evidence supporting the accusation of incentivized reviews. 

Implementation of a clear appeals process to prevent future unjust actions. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I redeemed XXXX TD Rewards points for a {$1000.00} statement credit on my TD Bank credit card ( ending in XXXX ). TD Bank sent me an official email confirming my request was received and processed, and that the {$1000.00} statement credit was scheduled to my account. 
However, the credit has not appeared on my account. I have contacted TD Bank customer service multiple times, provided the email as proof, and requested escalation, but supervisors claim they do not see the credit or redemption on their end and have not resolved the issue. 
I am requesting the XXXX  assistance to ensure TD Bank honors the statement credit as promised in writing. I have attached the confirming email for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I hereby request full and complete validation of this alleged obligation. 
Please provide the following : XXXX. Proof that I am legally obligated to pay the alleged debt, including a signed contract or policy agreement XXXX. A complete payment history showing how the amount was calculated XXXX. Proof of your authority to collect, including assignment documentation XXXX. The name and address of the original creditor XXXX. Documentation showing how this balance arose XXXX. Proof the debt is within the statute of limitations XXXX. Verification that no insurance or third-party coverage applies XXXX XXXX U.S.C. XXXX ( b ), you must cease all collection activity until proper validation is provided. 
If this account has been reported to any consumer reporting agency, reporting an unverified or disputed debt constitutes a violation of the FCRA. 
This letter is not a refusal to pay, but a lawful request for validation. Nothing herein shall be construed as an admission of liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CL Holdings LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : Jefferson Capital Systems , LLC Consumer : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am formally disputing an account being reported by Jefferson Capital Systems , LLC on my consumer credit reports. Jefferson Capital has failed to provide competent evidence that I owe this debt and has not proven that it has the legal right to collect or report this account.

Despite my dispute, Jefferson Capital continues to verify and report this account as accurate, which is a violation of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( b ), and the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX. Furnishing and verifying information without conducting a reasonable investigation and without proper documentation is unlawful. 

Because Jefferson Capital can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies. 

I respectfully request that the CFPB investigate this matter and require Jefferson Capital Systems , LLC to remove this inaccurate and unverified account from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX, AL XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Marauder Corporation
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX Account No. : XXXX Dear Sir or Madam, I am disputing an account reported by XXXX XXXX XXXX XXXX XXXX on my credit reports. XXXX XXXX XXXX has failed to provide competent proof that I owe this debt or that it has the legal authority to collect or report it. 

This account continues to be verified as accurate despite my disputes, which is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act, 15 U.S.C. 1692. Reporting unverified or inaccurate information is unlawful and harmful to consumers. 

Because XXXX XXXX XXXX can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX XXXX to remove this inaccurate and unverified account from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
My account was hacked and reported as fraudulent activity. Due to a online deposit check..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute and request an investigation into inaccurate credit reporting by XXXX  and the furnisher listed below. 

Account Name : Security Credit Services Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance Reported : {$250.00} This account is currently reporting on my XXXX  credit report as a collection. I dispute the accuracy, completeness, and verifiability of this account and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report.

I have submitted two prior disputes regarding this account. Despite these disputes, XXXX  has failed to provide any documentation validating the accuracy of the account. I have not received proof of the debt, a copy of a signed agreement, proof of ownership or assignment, or verification of the correct Date of First Delinquency ( DOFD ). 

The continued reporting of this account without proper verification appears to be inaccurate, incomplete, and/or unverifiable. I am requesting that XXXX  : Conduct a full and lawful investigation into this account with the furnisher, Security Credit Services and/or XXXX XXXX XXXX XXXX 

Provide written documentation demonstrating : The original signed contract or agreement Proof that the furnisher has legal authority to report this debt The correct Date of First Delinquency ( DOFD ) Delete this account immediately if full verification can not be provided within the timeframe required by law. 

Under federal law, XXXX  is required to complete its investigation within 30 days and provide written results. If the account can not be fully verified, it must be deleted in accordance with FCRA 1681i ( a ) ( 5 ) ( A ). 

Please provide written confirmation of the investigation results and any corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
A letter requesting a copy of a XXXX XXXX Notice covered under FCRA Section XXXX ( a ) ( XXXX ) was sent to Bridgecrest and was received by Bridgecrest on XX/XX/year>. Bridgecrest sent a letter acknowledging receipt of my letter but no copy of the requested notice. As of this date, Bridgecrest has failed to provide this letter required by law before or within XXXX  days of providing negative information to credit bureaus. It can not be provided because it was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX $ was taken out of my account instead of money put 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 2026-01-13 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: Atlanticus Services Corporation
State: KY

Complaint narrative:
my credit report shows i opened a XXXX credit line via XXXX XXXX on XX/XX/XXXX -and already have soent half that and I HAVE NO KNOWLEDGE OF THIS IT OS IDENTITY THEFT Please help me i am XXXX yr old XXXX  mom with an XXXX XXXX and i dont know who to contact or what steps to take to fix this nor keep from happening again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I attended XXXX XXXX XXXX ( XXXX ) during the XXXX XXXX semester, from XX/XX/XXXX - XX/XX/2025, however ; the registrar did not properly report my XXXX time XXXX XXXX. The only status reported by XXXX was on XX/XX/2025 as " W '' ( Withdrawn ), which should not have been effective until XX/XX/2025. Therefore, I'm simply asking for assistance from either XXXX, Nelnet, XXXX, or the XXXX XXXX ( all of which I've e-mailed numerous times in an attempt to resolve, but have not received response, assistance, and have now been ignored altogether for almost the last month ). I can provide e-mail traffic, attachments to show date of withdrawal request, etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Mercury Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made purchases totaling {$2200.00} using my Mercury XXXX XXXX XXXX with XXXX. The goods/services were never delivered, and the merchant has been completely unresponsive to my attempts to resolve this, including calls to their regional managers and all available contact numbers. 
I reported this dispute to Mercury on XX/XX/XXXX, 60 days after the transaction. Mercury denied my dispute, stating I needed to report by XX/XX/XXXX. They rejected my claim for being one day past their internal deadline. 
When I asked whether this was Mercury 's policy, XXXX 's network rules, or XXXX Bank 's requirement, XXXX confirmed in writing on XX/XX/XXXX that " the 60 day reporting requirement is set by Mercury Terms of Service. '' XXXX 's chargeback rules ( reason code XXXX ) allow 120 days to dispute non-delivered goods. I am well within that window. Mercury is choosing to apply a stricter internal policy rather than file a chargeback on my behalf through the card network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Wrongful Repossession and Violation of MD Commercial Law XXXX I am filing this complaint against TD Auto Finance for a wrongful repossession that violated the mandatory 10-day notice period required under Maryland Commercial Law 12-1021 .

Timeline of Events : XX/XX/XXXX : I received a " Notice of Intent to Repossess '' from TD Bank. 
XX/XX/XXXX : TD Bank repossessed my vehicle ( XXXX XXXX ) only four days after the notice was issued.

The Violation : Under MD 12-1021, a lender must wait at least 10 days after serving notice before repossessing. By seizing the car in 4 days, the bank committed a " wrongful repossession. '' Current Issue : The bank is now demanding {$1800.00} in repossession and storage fees to release the vehicle. Because the repossession was illegal, these fees are legally forfeited under Maryland law. My insurance company is ready to proceed with accident repairs, but the bank is using these illegal fees as leverage to block the release.

Despite multiple attempts to resolve this... including a 3-hour hold with their customer service department .. the bank has failed to investigate or correct this statutory violation, which aligns with the XX/XX/XXXX CFPB Consent Order ( XXXX ) regarding TD Bank 's systemic failures to handle disputes .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, a representative from GE Capital called me and stated that they were going to take me to court and place a lean on my assets because I owe over {$3000.00} in credit card charges. This representative said that I could avoid court if I work out a payment plan with him and if not, they were going to send a subpoena to my residence to appear in court to answer for the itemized charges.

The representative claimed that I applied for and received a GE Capital credit card. The representative also claimed that I was making payments on this credit card from XXXX to XXXX. 

I was not employed during that time, and I did not have an income. I was in college and was living on federal student loans. I was also collecting XXXX benefits. I checked my current report and there is not such debt on it. 

This representative had my full social security number and address. He did not leave a name but the telephone number that came up on my phone is XXXX. I think that this is an Arizona number and I live in XXXX XXXX  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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Servicing Solutions, LLC
State: MA

Complaint narrative:
I am writing to formally dispute multiple charges that Servicing Solutions has been applying to my account, which I believe are incorrect, unauthorized, and not properly disclosed.

For several months, my account has been charged recurring fees that were never clearly explained or agreed to. These appear to be hidden or imaginary charges added without justification.

Most recently, on todays scheduled payment date, your company attempted to charge : {$39.00} for a so-called late payment fee, and {$5.00} labeled as a past due amount.

These charges are incorrect. My records show that I made my required payment in full on XX/XX/XXXX, and my account was not late. There was no valid basis for declaring my account past due or assessing late fees.

I am requesting the following actions immediately : 1. A full written explanation of every fee charged to my account, including dates, descriptions, and contractual authorization.

2. Immediate removal and reversal of the {$39.00} late fee and {$5.00} past-due charge.

3. Written confirmation that my account is current and in good standing.

4. Assurance that no inaccurate or misleading information has been, or will be, reported to any credit reporting agency.

5. A complete accounting of all fees charged since Servicing Solutions acquired the account from XXXX. 

6. Proof of XXXX XXXX legal authority to service this account and impose fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I called the number on the XXXX Citibank card and cancelled the card. On that date I also asked for, and paid the balance on the card including any late fees. Two months later, I received a notice that I owed late fees on the cancelled card. I called customer service again, and asked why I was being charged late fees for a cancelled card with no balance. I was told that I paid a day after they received their computer updates on back charges. Although their delayed system was not my fault, I paid the late fees in XXXX of XXXX  after being assured that I did not own anything more, and that the matter was resolved. Two months later I received notice that I still owed even more late fees on the cancelled card. I called customer service again. Despite cancelling the card in XXXX, and paying the fees twice I was told that I didn't pay on time so I would continue to be charged. With Citibank credit card 's system, I would be paying late fees for the rest of my life since their system never seems to be updated. This is the only card that this has occurred on.

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