vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Credit Card Charges and Dispute Resolution. I am writing to formally raise a complaint regarding my credit card account and the handling of recent charges and disputes. My total balance has escalated to approximately {$16000.00}, which includes late fees, interest, and other charges. Previously, the balance was around {$15000.00}, and while a reduction of {$2000.00} was applied, the remaining amount is still significantly high and continues to accrue additional fees. Additionally, I reported a transaction of {$2300.00} as unauthorized and unrecognized. Despite my dispute, the claim was denied without sufficient explanation or supporting evidence. I find this outcome concerning, as I did not authorize this transaction and expected a thorough investigation under consumer protection guidelines. I respectfully request the following : A detailed breakdown of all charges, including interest, late fees, and penalties applied to my account. A reconsideration and reinvestigation of the disputed {$2300.00} transaction, including any documentation used to deny my claim. Consideration for further reduction or waiver of excessive fees and interest, given the circumstances. I value transparency and fair treatment and would appreciate a prompt and thorough response to resolve these issues. Please let me know if any additional information is required from my end. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am filing this complaint against XXXX regarding an unresolved billing dispute that has resulted in wrongful collections activity and potential damage to my credit. I switched to XXXX under specific promotional terms that included reimbursement for my prior carriers equipment payoff. XXXX has failed to honor those original terms. Instead, they are now attempting to impose new conditions that were never disclosed at the time of the agreement, including requiring me to trade in my original handset or accept only 50 % of the promised reimbursement. This is a material change to the original agreement and is not acceptable. XXXX is also requiring me to provide a final billing statement from my previous carrier ( XXXX ) to verify the equipment payoff amount. However, after porting my number, I lost access to that account and can not retrieve the requested documentation. This is a known limitation of the porting process, and XXXX should not require documentation that is no longer accessible. Any necessary verification should be handled internally by XXXX. As a result of XXXX-XXXX failure to honor their commitments, the disputed balance has been sent to collections. I have been advised by XXXX to pay this balance to resolve the issue, which I refuse to do because the charges are not valid. This situation would not exist if XXXX had fulfilled their original obligations. This has caused significant financial harm, including the risk of negative credit reporting. Additionally, this issue is directly impacting my ability to secure housing, as I am currently in the process of moving and the presence of a collections account is creating substantial hardship. The representative I have been dealing with has repeatedly provided generic, pre-written responses and has not made a meaningful effort to resolve the issue. I am seeking the following resolution : - Full reimbursement in the amount of {$850.00}, consistent with the original agreement- Immediate withdrawal of the account from collections - Removal or correction of any negative credit reporting associated with this matter XXXX-XXXX actions represent an unfair and deceptive business practice by failing to honor agreed-upon terms and attempting to shift the burden onto the consumer after the fact. I am requesting prompt investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2026, at approximately XXXX AM, Halsted Financial, a debt collection agency, unlawfully disclosed my personal and debt information to a third party with whom I have no legal or financial relationship. Halsted Financial contacted my daughters father, XXXX XXXX, and sent him a text message containing detailed information about my debt, including the creditor name ( XXXX XXXX Bank, XXXX. ), the current creditor ( XXXX XXXX XXXX ), my home address, and the amounts allegedly owed. XXXX XXXX is not my spouse, not a codebtor, not my attorney, and was never authorized to receive any information about my account. This disclosure was not made for permissible location purposes and included specific debt details, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). By disclosing my personal and debt information to an unauthorized third party, Halsted Financial violated my privacy rights and caused me emotional distress and embarrassment. I am requesting that this matter be investigated and that Halsted Financial be required to cease unlawful thirdparty disclosures and take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NY

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - 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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
Failure to properly investigate Reporting inaccurate information Failure to validate disputed details ( dates ). I have made multiple attempts through phone, email, and formal disputes to obtain the exact date of first delinquency and the timeline of this alleged debt. To date, the company has failed to provide this required information. My dispute is not about who owns the debt. My dispute is about the accuracy of the reporting, specifically the failure to provide a verifiable and consistent Date of First Delinquency and a clear accounting of when the debt began. Under the Fair Credit Reporting Act, any information reported must be accurate and verifiable. If this account is scheduled to remain on my credit report until XXXX 2028, then the company must be able to clearly document and provide the exact date the delinquency began. They have failed to do so despite multiple requests. Instead, the company has provided general statements and has not addressed the specific issue of inaccurate or unverifiable dates. This failure to provide key information raises serious concerns about the accuracy and compliance of the reporting. Because of this, I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies due to failure to verify accurate reporting, including the Date of First Delinquency ; OR A full and complete correction of the account, including : Verified Date of First Delinquency Accurate and complete payment history Removal of any charges that can not be properly documented or fall outside the legal lease period If the company can not provide complete and verifiable documentation supporting the accuracy of the reporting, this account must be deleted in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: MA

Complaint narrative:
b'On XXXX/25 I went to Macy\'s and picked out 2 sets of sheets for XXXX each and a pajama bottom for XXXXXXXX. I shopped at Macy\'s because I had a Macy\'s Start Rewards card for a XXXX discount. I believed that they needed my card to validate the rewards card so I gave the clerk both the discount card and my Macy\'s credit card. I was told the the discount card was invalid and I could not receive the discount. I informed the clerk that I didn\'t want to proceed with the sale and I turned to walk away. I realized that I really needed the pajamas so I gave the clerk my Mastercard and asked to "ring that up". I left the store with the pajamas and no sheets. They were left on the counter. When I received my Macy\'s bill I was incorrectly charged XXXX for all 3 items. I filed an immediate dispute and gave the complete story to an agent who told me that He would enter the information in the dispute and He further said that the dispute should be honored. I received notice that XXXX for the pajamas would be refunded. I sent an email to XXXX that I have attached. I then received notice that my dispute was resolved and I have received a credit of XXXXXXXX which would show up within 2 billing periods. That is also attached. The next bill came with no credit. I didn\'t panic. The next bill came with no credit, a late fee, interest and the collection calls started. On XXXX XXXX, immediately after the Macy\'s bill arrived, I called and got no place with the agent except she removed the late fee. I insisted that she have someone call me to discuss the fact that I did not get the credit that was promised. On XXXX XXXX at XXXX I received a call from XXXX from Macy\'s. That recording is attached as XXXX. She called back while I was at the doctor and asked my wife to have me return her call. The next recording is not very useful, I am trying to get back to XXXX with no luck at all. I then called a different number I had for Macy\'s claim and talked to XXXX. He had information on my dispute from my prior email and opened a new dispute for me for XXXXXXXX minus the XXXXXXXX plus any late fees and interest. That claim number is XXXX XXXX XXXX. Accidently, I deleted my recording of his call. My Macy\'s card number isXXXX XXXX XXXX XXXX. I spent time talking to XXXX from CFPB regarding this case.\nNOTE: I am having trouble uploading my voice recordings. I will try to add them later.'

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I did not receive the money transferred to me by a friend in the Venmo app I called Venmo customer service several times. no answer -I also was in a loop on the chat trying to explain my problem Venmo is a rip off It did not show up in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
The company, Rubin & Rothman , LLC has been calling, sending mail and making a nuisance of themselves. The credit card they are trying to collect on I have placed this with a law firm due to inappropriate billing and fraud. I made Rubin & Rothman , LLC aware of this in writing, through another complaint and they refuse to cease and desist. The amount they are trying to collect for is completely fraudulent and is a result of charges that were disputed from 2020 on and then billed as new. The entire balance was tripled when I disputed all of the older charges from 2020 to present and they were added back to my credit card as new amounts. The rest of the balance they claim is owed, are interest rate charges and late fees that are at least {$300.00} a month since early 2025. Nothing is owed to XXXX XXXX XXXX, nor is Rubin & Rothman , LLC the agent for XXXX XXXX XXXX. Rubin & Rothman , LLC is merely a collections company that bought this debt and is rabidly attempting to collect something that is not owed. This collections company has a long history of less than savory techniques. A number of consumers reported that Rubin & Rothman , LLC call and threaten legal action and pursue a small claims case against them in another state where they hold a license. The " creditor '' is never made aware of the " debt '' due to the incorrect address or no knowledge of this practice. The person named as their " managing Attorney '' is not authorized to practice in Connecticut courts. The firm is not recognized as a valid creditor in the state of Connecticut. They have sensitive personal information that they should not have and all of this needs to be removed from all of their systems immediately.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
I am writing to formally dispute the terms and circumstances surrounding my solar loan and installation agreement associated with LoanPal ( now XXXX ) and XXXX, which was sold through a representative of XXXX ( now defunct ). At the time of sale, the XXXX salesperson presented a significantly lower monthly payment than what was actually included in the executed loan agreement. We were told the payment would be approximately {$99.00} per month, and the salesperson even provided documentation reflecting this amount and advised us to keep it. However, after signing, that document was no longer available, and the finalized agreement reflected a payment of approximately {$170.00} per month for the first 18 months, increasing to approximately {$230.00} thereafter. Critically, the structure of the loan was not clearly or honestly explained. We were not properly informed that the lower initial payment depended on making a substantial lump-sum prepayment ( approximately 26 % of the loan balance ) within 18 months, which was tied to a federal solar tax credit. This was presented in a manner that strongly implied the tax credit was guaranteed and would naturally be applied to the loan balance. In reality, eligibility for such credits depends on individual tax circumstances. I did not receive or apply this tax credit, resulting in a significant and unexpected increase in my monthly payment. Additionally, I have since learned that this salesperson had a pattern of complaints and deceptive practices. Another solar installer confirmed that this individual had a reputation for misrepresenting terms to customers. We entered into this agreement based on materially inaccurate and misleading information. The current loan terms do not reflect what was represented at the time of sale and have created financial hardship. I am requesting a formal review of this matter and seeking resolution in the form of a loan modification, payment reduction, or other equitable relief due to deceptive sales practices associated with this transaction. Please respond in writing with next steps and available resolution options. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a CitiBusiness Checking and XXXX XXXX account with the assistance of a representative, XXXX XXXX, at a branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The account was opened under a promotional offer, and I completed all requirements for the {$500.00} bonus ; however, the bonus has not been paid. The account was approved on XXXX XXXX, 2025. Per the promotion terms, I qualified for the {$500.00} bonus tier by depositing {$20000.00} within 45 days across the two accounts and maintaining the required balance during the XXXX day period. Despite meeting these requirements, I have not received the bonus. I contacted the representative who assisted me on XXXX XXXX, XXXX, but did not receive a response. I also contacted general customer service and was informed that no promotion was attached to my account. This appears to be an error, as the account was opened in-branch specifically under this promotional offer and the requirements were clearly explained to me at that time. What I am seeking : I am requesting that Citibank review my account opening and activity, confirm that the promotional requirements were met, and issue the {$500.00} bonus as advertised.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Today XXXX XXXX,2026 Harris and Harris contacted my mother at XXXX this number was not provided to them at my time. Harassing my mom with their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal is refusing to let me close my account due to an unresolved issue. The issue is that I violated their user agreement years ago - no way to resolve. They also will not let me remove my debit card nor bank account info from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX 2026 my account was hacked for over {$1200.00}. XXXX transactions that were withdrawals and XXXX fee transactions. A withdrawal for {$500.00} to an account, unknown to me, ending with XXXX. A second withdrawal of {$500.00} to an account, unknown to me, ending with XXXX. A third withdrawal of {$180.00} to an account, unknown to me, ending with XXXX. A fee assessment to my account of {$8.00} ( Same account as above ). A fee of {$8.00} was assessed to my account, from the same, unknown bank account, ending with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that you CEASE AND DESIST all communication with me regarding the above-referenced account. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby notified to : Stop all phone calls to me immediately Stop all written communication except as permitted by law Stop contacting any third parties regarding this alleged debt I do not acknowledge this debt, nor do I consent to any contact from your company. If you fail to comply with this request, I am prepared to take further action, including filing formal complaints with : The Consumer Financial Protection Bureau The Federal Trade Commission My State Attorney General Any further communication beyond what is legally allowed will be considered harassment and a violation of federal law. You are advised to confirm in writing that you have complied with this request. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX 2024, I was the victim of a wire fraud scheme and lost {$110000.00} in two separate wire transfers from my Bank of America checking accounts. The first transfer of {$51000.00} occurred on approximately XX/XX/2024, and the second transfer of {$59000.00} occurred on approximately XX/XX/2024. Both transfers went to the same recipient account at XXXX XXXX XXXX XXXX. I believed the transfers were for a legitimate investment. I later discovered I had been scammed. I immediately reported both transfers to Bank of America and signed their Scam Victim Acknowledgment forms on XXXX XXXX, 2024. Bank of America stated they would attempt to recover my funds. On XXXX XXXX, 2024, I received a form letter stating the recovery attempt was unsuccessful and that my case was closed. The letter provided no explanation of what steps were taken, no record of any communication with the recipient bank, and no accounting of whether any funds were still available at the time of the attempt. When I later requested copies of my complaint documentation, Bank of America sent me the complete private financial file of a different customer including that person 's full name, home address, bank account number, claim number, claim amount, and transaction details. This is a serious privacy violation. It also raises serious doubt about whether my own claims were properly investigated, or whether my file was confused with another customer 's account. I am demanding that Bank of America reinvestigate both claims, provide full documentation of all recovery steps taken, and formally explain how another customer 's private financial records were mailed to me.

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