vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am submitting this complaint because Jefferson Capital Systems is reporting an inaccurate, unverified, and inflated debt on my credit reports. I have never had any account with Jefferson Capital Systems. The only related account was a {$200.00} secured XXXX credit card, funded entirely by my own deposit. A secured card with a fixed {$200.00} limit can not legitimately result in a $ XXXX balance. XXXX XXXX has not provided any validation as required under the Fair Debt Collection Practices Act ( FDCPA ), including : Verification of the debt A complete accounting of all fees and charges A copy of any signed agreement Proof of legal ownership or assignment A chain of title from XXXX to XXXX XXXX XXXX disputed this account with Experian ( Report # XXXX, dated XX/XX/year> ). XXXX marked the item as updated, but the information remains inaccurate. XXXX XXXX continues to furnish information that appears to violate the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 : Duty to ensure maximum possible accuracy FCRA 611 : Failure to properly investigate disputes FCRA 623 : Furnishing information known or reasonably believed to be inaccurate XXXX XXXX is reporting a balance that is mathematically impossible based on the original secured credit limit. They have not validated the debt, yet they continue to report it, causing ongoing harm to my creditworthiness. I am requesting that the CFPB require Jefferson Capital Systems and the credit bureaus to : XXXX. Provide full validation and documentation of this alleged debt, including a complete fee and interest breakdown, OR XXXX. Remove this account from all credit reports if it can not be fully validated This account is inaccurate, unverifiable, and misleading. I am requesting CFPB intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I understand that the benefit requires a prepaid booking, but I want to share feedback on the booking experience because it was genuinely confusing. I selected a hotel through Amex XXXX that was part of The XXXX XXXX and proceeded through the booking flow correctly. However, at the final checkout screen, I was presented with both pay now and pay at hotel options without any clear indication that selecting the latter would invalidate the hotel credit. Since there was no pricing difference or warning, it created the impression that both options would still qualify for the benefit. Additionally, upon arrival at Hotel Figueroa, I mentioned that I had booked through American Express XXXX and intended to use the XXXX XXXX credit. The front desk proceeded with the standard check-in and payment process without pointing out that the reservation was not prepaid or that this would affect eligibility for the credit. My card was then charged at the hotel without any clarification. From a user experience standpoint, this feels misleading at multiple points in the journey both during booking and at check-in. A clear notice at checkout such as Prepaid booking required to receive your hotel credit, or even a flag at the hotel level, would have made this requirement obvious. I recognize the terms and conditions, but the current experience does not clearly communicate this requirement at the key decision moments. I hope this feedback can be shared with the appropriate team to improve clarity for future bookings, and I would greatly appreciate if any consideration could be given in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have disputed these accounts multiple times, but they remain on my credit report without proper verification. These accounts are inaccurate and or unauthorized. This is a violation of the fair credit reporting act, I am requesting immediate removal.

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 2026-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CFPB Complaint Narrative I am filing a complaint against XXXX XXXX XXXX XXXX regarding an unresolved billing dispute involving a returned purchase from XXXX XXXX XXXX On XX/XX/XXXX, I purchased cookware from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) using my XXXX XXXX ending in XXXX. I returned the merchandise on XX/XX/XXXX, in original condition. Store employees confirmed that the refund would be issued back to my credit card. I never received the refund. On XX/XX/XXXX, I returned to the store and spoke with a manager ( XXXX XXXX. ), who provided documentation showing that the refund was processed. However, the documentation clearly shows that the refund was issued to the wrong credit card belonging to another customer, not mine. I disputed the charge with XXXX. They initially issued a temporary credit of {$180.00}, but later reversed it and reapplied the charge to my account. Despite providing documentation proving the refund was misapplied to a third party, XXXX has refused to correct the error and stated there is nothing further they can do. This is a billing error. I returned the merchandise, and the merchant issued a refund incorrectly to another customer. Barclays has failed to properly investigate and resolve the dispute, leaving me responsible for a charge that should have been credited. What I am seeking : Immediate credit of {$180.00} to my account Correction of this billing error A proper investigation into the handling of this dispute Company Information : Credit Card Company : XXXX XXXX XXXX XXXX Account : Ending in XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Additional information provided by consumer : XXXX Consumer wants to make sure this is being sent to 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 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: AK

Complaint narrative:
I am reaching out to you today during an extraordinarily challenging and distressing time for my family. My beloved son recently sustained a severe skull fracture, an unforeseen and traumatic event that has profoundly impacted our lives. The focus of our world has shifted entirely to his recovery and well-being. While we are incredibly grateful for the urgent and expert medical care he has received, which has been crucial for his immediate stabilization and ongoing treatment, the resulting financial strain has become an overwhelming burden. The costs associated with his emergency care, specialized procedures, and anticipated rehabilitation are substantial and far exceed my capacity to manage them. This unexpected medical debt has placed immense pressure on our family, compounding the emotional anguish of seeing my child endure such a serious injury. I am fervently committed to ensuring my son receives every necessary treatment and support for his full recovery, but I find myself in a truly desperate situation regarding the mounting expenses. I would like it if you can forgive the debt and allow me and my family to heal in this process. Mentally and Financially in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed a {$500.00} XXXX money order as payment to my XXXX credit card account. The payment was never credited to my account. I initiated a XXXX money order inquiry and received official documentation confirming that the money order was cashed on XX/XX/XXXX. The XXXX documentation also includes an image of the negotiated instrument. The documentation shows that the original payee ( XXXX ) and the memo line containing my account information were crossed out or altered prior to negotiation. My name and address remain visible, confirming that this is the money order I purchased and mailed. The back of the instrument shows that it was deposited into a Capital One account via ATM in XXXX, VA ( ZIP XXXX ), and includes identifying transaction details ( routing number XXXX and card ending in XXXX ). I did not authorize any alteration, endorsement, or deposit of this money order by any third party. I reported this matter to XXXX and provided documentation. XXXX closed the case and stated that the payment was cashed by another bank and declined to resolve the issue or credit my account. This matter involves a mailed payment instrument that was altered and fraudulently negotiated, and the funds were never applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a charged off business credit card, the bank took an adjustment from my personal checking account. This created a hardship, and the adjustment was also for XXXX dollars more than what was available in the checking account, overdrawing it by that much. This was my mortgage money. The personal account does not have the same account name or social, I had also revoked the auto pay authorization. I tried to deal with the bank, and they only agreed to adjust XXXX XXXX, not even enough to bring the account current.

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 2026-04-11 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: UT

Complaint narrative:
" CREDIT COLLECTIONS '' DEBT COLLECTINS SHOWED UP ON MY CREDIT & I HAVE NO KNOWLEDGE OF THIS DEBT. THERE IS NOT ACCOUNT # & IT SAYS MY DEBT WITH THEM IS {$75.00}. AGAIN, I HAVE NO KNOWLEDGE OF THIS DEBT! REMOVE IT COMPLETELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OK

Complaint narrative:
They keep putting fraud alerts on my account. I can no longer spend at XXXX and XXXX. I have tried multiple times to speak to a human but I can never reach a person. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX took out a fake credit card under my name in 2008 and is attempting to XXXX me to cover that and XXXX yrs of abuse XXXX his sad pathetic friends and family XXXX gaslighting munchausen bp proxy and extorting my parents my husband and me XXXX his XXXX XXXXXXXX XXXX buddies of law enforcement and all other trades.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
A XXXX XXXX account is being reported on my credit report by third-party debt collector First Source Advantage , LLC . I sent three ( 3 ) formal certified mail notices to First Source demanding debt validation under 15 U.S.C. 1692g : a Debt Validation Request, a Notice of Fault and Opportunity to Cure, and a Notice of Default and Final Statement. XXXX XXXX failed to provide any legally sufficient validation or verification. Their only response consisted of templated billing statements, which do not constitute validation under law. Despite this administrative default, XXXX XXXX sent a settlement offer dated XX/XX/year>, constituting continued collection activity on an invalidated, unverified debt in violation of 15 U.S.C. 1692g ( b ). I am requesting that First Source Advantage mark this debt an invalid and remove it from my credit report, as the underlying debt has been invalidated by the collector 's failure to validate and the information can not be verified as accurate or complete per FCRA 611 ( a ) and 623 ( b ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My CareCredit account was closed after a phone call that neither myself nor the authorized user made. When I contacted CareCredit, they stated the account was closed based on a call received on a specific date and time, but they have repeatedly refused to identify the caller or provide any documentation confirming who authorized the closure. They have only stated that it must have been you, which is false. This raises serious concerns that an unauthorized third party was able to access the account and request closure without proper identity verification. Despite multiple attempts to resolve this, CareCredit has failed to provide call recordings, verification details, or any proof supporting their claim. They are continuing to report this account negatively and pursue payment despite the unresolved issue of unauthorized access.

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 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
MOHELA is not processing my applications for over XXXX years. They are difficult to contact with long hold times, circular menus, disconnections, and can have delays of several months for written communications. MOHELA 's repeated failures to process my applications has unfairly affected my progress in the PSLF program via multiple involuntary forbearances. Currently, I am at risk of losing eligibility for the program enitirely due MOHELA 's incompetence and delays during time sensitive changes. Most recent applications : XXXX I submitted another PSLF employer verification form that has not been processed. They requested additional information, I promptly provided it, but the application is still pending. Phone calls to MOHELA have yielded no resolution. XXXX I submitted another application to switch to an IDR plan instead of the SAVE plan. On XX/XX/year> I received a denial letter stating that I could not be put onto an IDR plan due to having Parent Plus loans. This is incorrect- I do not have Parent Plus loans and should easily qualify.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One customer service today to get XXXX late fees waived as a one-time courtesy. I was denied and they did not explain why. They said their system did not allow them. I escalated it with their supervisor and she told me the same thing. No reason or explanation as to why. Does not seem fair to get this information as a customer. Late fees- {$50.00} total Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint against American Express regarding an erroneous closure of my business checking account. On XX/XX/year>, I contacted American Express to close a specific business checking account that had a XXXX balance. I clearly identified the correct account multiple times. However, the representative mistakenly closed the wrong account. As a result of this error, I have been informed that I am now unable to reopen a business checking account under my XXXX due to their internal policy restrictions. This creates a significant operational issue for my business, as I am effectively blocked from reestablishing a business banking relationship under my own XXXX. This also blocked incoming payments from multiple vendors until I find another banking relationship to open a different banking business account. American Express acknowledged the mistake and offered XXXX Membership Rewards points as a goodwill gesture. However, this does not resolve the core issue : their error has caused a long-term restriction on my business banking access. I am requesting the following resolution : - A full investigation of the account closure error, including review of call recordings - A policy exception to allow reopening of a business checking account under my XXXX - Written confirmation that my business will not be penalized for an error caused by the bank ( I lost out on an additional XXXX sign up bonus as well XXXX XXXX XXXX on my monthly balance ) This issue was not caused by me and should not result in a permanent restriction on my business operations. I am seeking prompt resolution and restoration of my ability to open a business checking account under my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems that I do not believe has been properly validated or verified. I have not received sufficient documentation showing that I am legally obligated to pay this debt. I am requesting full validation including : Original signed agreement Complete payment history XXXX XXXX XXXX owns the debt Documentation showing I am legally responsible Additionally, I am concerned about the accuracy of the information being reported to the credit bureaus. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I am requesting verification of this account. If XXXX XXXX can not provide proper validation, I request this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling a complaint against Cash App ( Block , inc ) due to Inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX ) and regulation XXXX These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
During a period of financial hardship, I contacted Navient requesting lower monthly payments because I could not afford my loans and did not want to damage my credit. I was told consolidation was my only option. At no point did Navient inform me of income-driven repayment plans, which would have lowered my payments based on my income. I was never told about XXXX XXXX XXXX XXXX ( PSLF ) a program I only learned about years later, after it was too late. Under financial duress and with no alternatives presented, I agreed to consolidation. As a direct result, my loans were converted to private loans through XXXXNaviRefi, permanently stripping me of all federal protections, income-driven repayment eligibility, and XXXX eligibility benefits I was legally entitled to and never told I would lose. I have been making payments for years with XXXX percent principal progress. My original principal was {$24000.00}. My unpaid principal today remains {$24000.00}. Thousands of dollars in payments have been absorbed entirely by interest, with no reduction in what I owe. My estimated payoff date is XXXX. Navient 's failure to disclose my repayment options during a documented financial hardship was not an oversight it is a pattern the CFPB has already sued Navient for and settled. I am a direct victim of that same conduct. I am requesting a full investigation, and restoration of or compensation for the federal protections and XXXX eligibility I permanently lost due to Navient 's incomplete and misleading information.

Company response to consumer: Closed with explanation