vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
am filing this complaint against the third-party debt collection agency, Transworld Systems Inc. ( TSI ), for its deceptive and unfair attempts to collect a debt that has already been paid in full. TSI is demanding that I pay the full amount of an original debt directly to them, while refusing to acknowledge the {$4700.00} that has already been collected by the original creditor, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) for my XXXX XXXX card. Here is a detailed timeline and summary of the situation : Original Debt : The original debt of {$3600.00} was with XXXX XXXX. Payments Made to XXXX : XXXX garnished {$1400.00} from my XXXX XXXX and XXXX Statement ( XXXX ). On XX/XX/2025, the U.S. Treasury offset {$3200.00} from my federal tax return, which was sent to XXXX. Total Collected by XXXX : The total amount collected by the original creditor is {$4700.00}, which is {$1000.00} more than the original debt. TSI 's Unfair Collection Attempts : Despite the debt being overpaid, TSI is actively attempting to collect the full original amount of {$3600.00} from me directly. They are giving no credit for the payments made through wage garnishment and the Treasury Offset Program. Their actions constitute an attempt to be paid twice for the same debt. TSI 's conduct is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations to collect a debt. Specifically, TSI is misrepresenting the character and legal status of the debt by demanding payment for an obligation that has already been satisfied. Attempting to collect on a debt with a XXXX or negative balance is an inherently unfair and unconscionable practice. I have been placed in an untenable position, being harassed by a collection agency for a debt that has been overpaid. This has caused significant distress and financial uncertainty. I demand that the CFPB order Transworld Systems Inc. to : Immediately cease all collection activities against me. Close this account and mark it as paid in full. Correct any negative information they may have reported to credit bureaus regarding this account. I have documentation of all payments made and communications to substantiate this complaint. I expect a prompt investigation into TSI 's predatory and unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Fidem Baltimore Holdings LLC
State: WI

Complaint narrative:
The company in question has not sent out a statement online the past few months. I then tried using my rewards so i can close the card due to poor customer service ( they withdraw my funds almost 30 days after initiating the payment ). I tried calling the phone number on the card and online and its out of service so there is no way of getting in touch. I then dug deeper and i cant use my rewards online, i have to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I opened an account with Huntington Bank with the initial offer of {$400.00} bonus once I deposit {$1000.00} within 90 days. After I did that, they didnt give me the bonus after the 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I received a text message from what appears to be Jefferson Capital System LLC, sending random messages while Im work regarding something they purchased as a debt and now they want to constantly send me messages and tell me about a debt they purchased. I dont know who is Jefferson Capital Systems , I never signed any legal contracts with that nor do I have any business with them either. Per FCRA and according to 15 US Code 1692 G, you have violated my rights by in-lawful communications. Please remove this collection off my credit report. Also, According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

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 ) 1006.34, 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am submitting this complaint regarding an unresolved PSLF Buyback request that has been pending for over 12 months. I submitted a Public Service Loan Forgiveness ( PSLF ) Buyback request on XX/XX/year>. As of today, I have not received a determination, formal calculation, or clear update regarding the status of this request. I am currently approximately five ( 5 ) qualifying payments away from reaching XXXX payments for PSLF forgiveness. The extended delay in processing my buyback request is preventing me from understanding my accurate qualifying payment count and making informed decisions about whether to resume repayment or continue waiting for a determination. I have contacted my loan servicer and Federal Student Aid multiple times and have not received a clear timeline or resolution. I am requesting : Confirmation that my PSLF Buyback request is active and under review The current status and stage of review An estimated timeline for resolution Written clarification of whether my current administrative forbearance months are qualifying toward PSLF Given that this request has been pending for over a year, I respectfully request expedited review and a formal written response. Thank you for your assistance in resolving this matter

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
b'Complaint Summary: I am disputing a XXXX fraudulent transfer from my Bank of America credit card account. I was the victim of a sophisticated Bank of America impersonation scam. Despite providing detailed information, Bank of America has twice denied my claim, stating the transaction was made using a verified device, which is incorrect and does not reflect what actually happened.\nWhat Happened: In early XXXX XXXX I disputed an unauthorized charge on my Bank of America credit card. The bank cancelled the card and issued a replacement. A few weeks later, another unauthorized charge appeared, and the bank again cancelled the card and issued a new one, expedited because I was traveling to XXXX. I used the new card only to book my flight to Tampa and to purchase a drink on the flight.\nOn XXXX XXXX XXXX, while in XXXX, I received a call after XXXX XXXX from XXXX XXXX XXXX. The caller claimed to be from the Bank of America fraud department and said my card was being used in XXXX XXXX (or possibly XXXX XXXX). I was skeptical, but the caller had my full card number, expiration date, and my home address. Because of this, I believed the call was legitimate.\nOver several calls, the scammer convinced me to approve what he described as a temporary transfer that would be deleted after a few minutes. This was false. The transaction was actually a XXXX transfer to an account labeled Cross River, which I had never heard of and did not authorize.\nI reported the fraud to Bank of America on XXXX XXXX XXXX On XXXX XXXX XXXX, I received a denial letter stating the charge was made using one of my verified devices. This is not accurate. I did not initiate or authorize this transfer. I called the bank and provided additional details, and they said they would reopen the claim. On XXXX XXXX XXXX I received another denial letter with the same explanation.\nWhy I am requesting CFPB assistance: This was a clear case of impersonation fraud and social engineering. The scammer had my full card information, which suggests my data was compromised before the call. I did not authorize this transfer, and I did not knowingly use any device to send money. Bank of America is treating this as an authorized transaction even though it was induced through deception.\nI am requesting that Bank of America:\n1.\tReopen the claim and classify this as impersonation fraud.\n2.\tProvide the investigation details, including device ID, IP address, login timestamps, and whether a one time passcode was used.\n3.\tRefund the XXXX fraudulent transfer.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 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: NY

Complaint narrative:
I am filing a complaint regarding another billing dispute involving Citibank and XXXX for merchandise I did not receive, totaling {$820.00}. This dispute involves an order from XXXX XXXX The merchant claims the package was delivered ; however, the only evidence provided is a photograph showing the package left unattended in the lobby of my apartment building, which is a shared, unsecured public space. There was no signature confirmation, no hand delivery, and no proof that I personally received or took possession of the merchandise. I never received this order. Citibank initially issued a provisional credit while investigating. After XXXX submitted the lobby delivery photo, Citibank reversed the credit and held me responsible for the charge, treating delivery to a building lobby as equivalent to delivery to the cardholder. I dispute this conclusion. Delivery to a shared lobby without signature does not establish receipt by the consumer. The merchant selected an unsecured delivery method for high-value merchandise and assumed the risk of loss prior to receipt. I did not authorize delivery to a public lobby and did not receive the merchandise. Citibank advised me to contact the merchant directly. XXXX has refused to refund or replace the order, leaving me responsible for merchandise I never received. This appears to be a repeated failure to properly assess non-receipt disputes where no proof of receipt exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I bought a mattress on a 12 months interest free fee. On the XXXX payment the credit card company sold the account to a new creditor and did not take the last payment. Once i received the new information for the new creditor they automatically added the interest. I called them and explained the situation they said payment was supposed to be made including the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
notice form date on XXXX was XXXX I received this notice form on XXXX no other communication was made. I wrote 2 checks on XXXX - both were returned by my bank - causing bank fees. when I received this firms notice I immediately called on XX/XX/year>XXXX at least 15-16 times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX leaving a message. I you call XXXX it's nothing more than recordings and answering machines. I attempted to contact this law firm again on Monday - XXXXXXXX XXXX XXXXXXXX 4 times starting at XXXXXXXX XXXX Same recordings. Note I left messages for a call back... none received. I found this companies website and emailed 2 times on XXXX. Again no WRITTEN/VERBAL response. Ultimately I spoke with the staff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX at approximately XXXXXXXX XXXX I mailed my personal check to the Superior Court of New Jersey for {$2100.00} to close this case out. The person I spoke with told me this law firm only deals with attorneys and not debtors. Go figure... so now debtors have to have LEGAL COUNSEL to pay off a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On the evening of XXXX XXXX XXXX XXXX around XXXX XXXX I went to check into my hotel in XXXX XXXX Missouri, only to have my credit card transaction denied and received a notice that my American Express Hilton Rewards Credit Card was being reviewed for a credit limit adjustment. My balance is {$20000.00} and I have at least XXXX XXXX dollars in credit available currently and at the time of the attempted transaction in question. I spoke to an associate and made a {$1000.00} payment, more than my minimum due. I then received an email they provided demanding a payment of {$5800.00} by XX/XX/year> in order to retain my credit availability at its current level. I currently have a credit score of XXXX and have no delinquent or adversely marked accounts with Amex or otherwise. I believe that Amex acted deceptively when they failed to honor the agreed upon availability of my credit limit, but is now acting both unfairly ( 12 U.S.C. 5531 ( c ) ) and abusively by demanding a payment of {$5800.00} with less than a weeks notice. This requested payment which exceeds the contractually agreed upon minimum due payment amounts to an extortive and abusive demand that exploits their role as a creditor and which I as a borrower am unable to have any recourse on, but which may adversely effect me if my credit score and apparent credit worthiness are impacted by a negative change in my credit availability. The Credit Card Agreement ( CCA ) lists 4 individual reactive criterium for credit remedies to protect the creditor the listed criteria are : bankruptcy, insolvency, failure to perform, or default. I havent met any of these criteria. They can not actively articulate to me the underwriting requirement that would trigger this, nor can I see or understand what may have prompted this. Furthermore, the CCA does not make any mention of or allowance for arbitrary and punitive reevaluation of credit worthiness. This practice amounts to an abusive attempt to collect money which is not contractually owed ( 12 U.S.C. 5531 ( d ) ) I believe Amex is trying to take advantage of unclear terms and is actively misreprenting my contractual obligation in order to maintain my credit availability without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AZ

Complaint narrative:
i opened a line of credit through discover card in XXXX i started with a secured card with a limit of {$200.00} i eventually worked my way to having a limit of {$1000.00} and unfortunately was hit with financial hardship and the account went into collections. this past XX/XX/XXXXXXXX i called to pay the debt off hoping to have it removed from my credit report. i was under the impression that i could pay to delete but they have not deleted the report causing me more financial hardship due to not being able to get any more loans or even a decent credit card to work on it. when i called back XX/XX/XXXX the lady informed me that they do not do pay to delete and whoever i spoke with when i paid my balance off misinformed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
I have submitted all the documents from the merchant who stated that the transactions were fraud and I was informed to file a dispute with my bank, after doing so chime has denied my claim and Im still out of the funds. Chime does not want to help at all, all the documents I have submitted to them from the merchant, I asked the merchant if they received any kind of charges back la from my bank I was informed that they didnt not, please help me get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: TX

Complaint narrative:
Validation of Debt Request - CREDENCE RM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My auto loan account reflects two customer payments that were made after the loan had already been satisfied through a XXXX XXXX XXXX dated XX/XX/year>. The following two payments were drafted from my bank account and were not refunded : {$290.00} on XX/XX/year> {$290.00} on XX/XX/year> Both payments are shown in Westlakes own payment history as PAYMENT EXCESS, meaning the loan had already been satisfied and these funds were not owed. I have contacted Westlake Financial multiple times requesting a refund of these two customer payments. I have not received a refund and have not been given a clear explanation of where the funds are. The dealership has confirmed that no refund was sent to them. I am requesting immediate refund of the two customer payments totaling {$590.00} and written confirmation of when the funds will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX to whom has all my credit management in their care for representing me. They advised me not to contact them that they will handle their complaint legally.

Company response to consumer: Closed with explanation