vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for reporting a collection account to my credit report without first providing any prior written notice of the alleged debt or my legal right to dispute it. I became aware of this account when it appeared on my credit report on XX/XX/XXXX. Prior to this reporting, I did not receive any written communication, validation notice, or attempt to contact me regarding this alleged debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to provide a written validation notice within five days of their initial communication, including the amount of the debt, the name of the original creditor, and notice of my right to dispute the debt within 30 days. I was not provided this required notice before the account was furnished to the credit bureaus. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurately and to conduct a reasonable investigation when disputes arise. Reporting a debt without providing proper validation and notice raises serious concerns about the accuracy and legality of this reporting. I am requesting : Immediate validation of the alleged debt, including the original creditor, itemization of the balance, and proof of their legal authority to collect. Documentation showing that proper notice was sent to me in compliance with federal law. Immediate removal of the account from all credit reporting agencies This reporting has negatively impacted my credit profile and I expect prompt resolution.

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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received emails regarding the closure of multiple credit cards account I have with American Express with the following message : We are writing to inform you that after a recent review of your American Express account ( s ) referenced above, have exercised our right under the Cardmember Agreement to cancel the account ( s ). I called American Express on XX/XX/year> asking for the specific reason and they mentioned that they the term of service mentioned they could close my account for whatever reason. While I agree that its their right to do this based on the term that I agreed to, I had jut pay the {$890.00} annual fee on my card in XXXX. That account also has over XXXX Membership rewards points that I now lost. There are also XXXX other accounts that I paid a combined of {$440.00} in annual fee that are now closed. American Express closed my accounts without any prior notices while I was traveling abroad and I was struggled to figured out how to pay for my flight and hotels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, Cash 1 Loans created and deposited a remotely created check in the amount of {$190.00} against my XXXX XXXX bank account. The check states No Original Signature Required. I did not sign a check, and this was not processed as part of any active recurring autopay schedule. Cash 1 Loans relies on an Optional Electronic Payment Authorization ( OEPA ) dated XX/XX/XXXX. However, that document does not establish that my XXXX XXXX account was enrolled in ongoing recurring autopay at the time of the XX/XX/XXXX withdrawal. Cash 1 Loans reported my account XXXX days past due in XX/XX/XXXX. Despite the alleged existence of valid recurring authorization, no draft attempts were made in XXXX, XXXX, XXXX, or XXXX. The XX/XX/XXXX remotely created check was the first and only draft attempt. This pattern is inconsistent with an active recurring payment authorization and raises serious concerns regarding whether the XX/XX/XXXX draft was manually initiated under dormant authorization rather than processed as part of a scheduled recurring payment. Additionally, Cash 1 Loans has acknowledged that multiple authorization documents exist with differing dates. The existence of multiple authorizations creates uncertainty as to which authorization, if any, was operative at the time of the XX/XX/XXXX withdrawal. To date, Cash 1 Loans has failed to produce documentation demonstrating : That my XXXX XXXX account was actively enrolled in recurring autopay That the XX/XX/XXXX remotely created check was part of a scheduled installment Internal authorization logs showing how and when the draft was initiated Clear and specific authorization permitting unilateral creation of a remotely created check months after delinquency Cash 1 Loans has offered to refund the XX/XX/XXXX payment while maintaining that the transaction was authorized. This refund offer is inconsistent with their position and suggests uncertainty regarding the validity of the authorization relied upon.

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 was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

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

Company public response: Company can't verify or dispute the facts in the complaint
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information appearing on my TransUnion credit report. Charged-Off Account in Dispute : XXXX XXXX XXXX Account XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) This account is being reported as charged off without proper documentation proving accuracy, account history, or my legal responsibility. XXXX XXXX in Dispute : XXXX / XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries and TransUnion has not provided proof that they were made for a permissible purpose. Under the Fair Credit Reporting Act, TransUnion is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. I am requesting that TransUnion : Verify all disputed accounts and inquiries with proper documentation. Remove any item that can not be fully verified. Correct my credit report accordingly. This inaccurate reporting is causing financial harm and is preventing me from moving forward financially.

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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
My loan was recently transferred to Rocket Mortgage, without notification or consent. During the transition period between XXXX XXXX and Rocket mortgage, I had uploaded proof of insurance documents on XX/XX/XXXX. I uploaded to the email address they gave me over the phone when I was discussing the matter with them. Since I did what I was supposed to on my end, I thought it was taken care of. Evidently, they did not record the documents properly and a couple months later, without sufficient notice, they started charging me XXXX XXXXXXXX XXXX months for their own insurance. Not only is this a completely outragous amount for insurance, it was completely unnecessary and I had provided proof. Now, I can't even get anyone on the phone to discuss the issue to get the charges reversed. I have been trying for XXXX days straight. I just stay on hold for about XXXX minutes then it just hangs up. I have emailed, gone on their chat, nothing. It is astonishing a multi XXXX dollar company is completely unaccountable and when holding thousands of my dollars, can just put me on hold indefinitely and then just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I took out a loan for {$260.00} on XX/XX/year>. I have made two payments of {$120.00} in XXXX and XXXX. When I looked up the remaining balance I discovered that the annual interest rate is 495.26 % and the current pay off amount is {$260.00}. I called the company and spoke with XXXX in the Customer Advocacy Team ( supervisors ). I informed her that I would not be paying the balance of the loan at that interest rate and she informed me that they have a process to adjust the interest rate down ( which would not apply retroactively ) or to settle the account. I requested a settlement amount of {$10.00} ( the difference between what I borrowed and what I have already paid ). I also requested automatic payments be stopped. She informed me the team would review the request and respond within XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
The company for the past XXXX months wants me to verify my identity. I have done this more than XXXX times and the system does not work. The company tells me they cant do anything about it. They have my money and I do not have access to it and they will not help me. They just keep saying verify your identity

Company response to consumer: Closed with non-monetary relief
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: CL Holdings LLC
State: LA

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 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 2026-03-03 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: SOFI TECHNOLOGIES, INC.
State: WY

Complaint narrative:
I filed a dispute with SoFi regarding an unauthorized charge/failure to render services by a merchant ( XXXX XXXX XXXX XXXX XXXX. ). I provided documented proof that the merchant materially breached their own contract, refused mandatory arbitration, and committed fraud by fabricating legal negotiations to extort me while holding my funds hostage. SoFi closed the dispute in less than 24 hours without asking me a single question or addressing the evidence. This physically precludes the possibility of a 'reasonable investigation ' as required by Regulation E. I have demanded the investigative file per 12 CFR 1005.11 ( d ) ( 1 ) and SoFi has failed to adequately provide it. SoFi is enforcing a voided, breached contract to allow a merchant to steal from my account, violating UDAAP and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
b'I had my bank card and account were hacked at cashapp, I asked for a review and refund and was told it could not happen. I have filed a police report and you can see on my transaction history where a new device was logged in and with in two min my saving money was moved to checking and then send to someone I dont even know! They tried multiple more times to get more, but nothing was approved because there were no funds available. I didnt make this transaction in the amount of over 2000 dollars! Please help me get my money back!!\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a business checking account online with apromotion. The terms state : Earn your {$1500.00} Business Checking bonus by opening a new U.S. Bank XXXX XXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. You must make deposit ( s ) of at least {$25000.00} in new money within 30 days of account opening and thereafter maintain a daily balance of at least {$25000.00} until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, XXXX credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay, or payment received via U.S. Bank Payment Solutions. I brought in $ XXXX and made five qualifying transactions- two mobile check deposits, two ACH credits and one bill pay. I called in on XX/XX/XXXX and spoke with a rep who confirmed that I had met the requirements and she emailed me a flyer with the terms of the promotion and let me know that the promotion bonus would post by XX/XX/XXXX. When the bonus did not post, I called in for help.The rep on the phone stated that there was an issue with bill pay and only four transactions counted toward the bonus. This contradicted what the first rep had told me and also contradicted the terms stating that bill pay was a qualifying transaction. I have continued to maintain a $ XXXX balance and would appreciate the bonus being honored as a long term US Bank customer. I will attach the flyer terms. I am also attaching the screen shots of the bill pay screen where I paid the bill and how the bill is shown online. All bills are paid through the bill pay page and using the business checking account.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
XXXX with XXXX contacted a family friend and told them I had a debt and if either myself or my attorney did not contact them today they would sue me. XXXX gave the family friend a reference number to access my account.

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: Ability Recovery Services, LLC
State: GA

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 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 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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NC

Complaint narrative:
I moved out of XXXX at XXXX XXXX on XX/XX/year>. I provided all forwarding information for them to send me a bill if anything after my deposit was owed. Months went by and I received nothing so it was assumed that my security deposit satisfied anything that was owed. All of a sudden I received a call from a man who said he was calling on behalf of XXXX and it was an attempt to collect a debt. I Immediately asked why didn't the property call me, he did not answer the question. I asked him to verify the address documents were mailed to and he provided a Virginia address and i told him that was not correct and demanded he send documents for my review. I never received anything via mail nor email. This debt was then placed on my report. I opened a dispute with XXXX and the allowed it to remain on my report. Not only was I not notified, i was not given the right to view the documentation to confirm validity ( NC law 15 U.S.C 1692 et seq ). By law this debt must be removed off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
My complaint is that I have had this XXXX credit card since XXXX of XXXX, and I pay over the minimum payment before the due date, pay it every month as my only income is XXXX XXXX from the XXXX, and arrives once a month. I pay this bill online, as I do all of my bills, and pay over the minimum due. As you can see from the attached, my XX/XX/XXXX bill had a balance of {$15.00} due XXXX, and I paid {$19.00} on XX/XX/XXXX. In XX/XX/XXXX I paid my bill online, I paid the minimun due of {$15.00} and on that very same day i was charged {$30.00} for a LATE FEE! I called to talk to someone, but the XXXX XXXX understood me, and wasted time explaining about the website to pay, " Bread financial '', which I could care less about, and told her I have always paid through XXXX, but bottom line they are the same site, and she had nothing else to say, but the standard monitor dialogue of " I understand your frustration.... yada yada '', and that was about it. I do not feel I should be charged a {$30.00} late fee for a balance of less than {$100.00}, and I do not feel I should be charged a late fee at all when I paid what the minimum was on my online account. This is wrong in every way and consumer theft in my opinion..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
We started a refinance in XXXX of XXXX. We qualified for the XXXX XXXX for a 2.5 % interest rate on the home. We still do not have the refinance done to this day. I have proof now that I no longer will be able to use this benefit because XXXX severely dropped the ball and shoved me over to another company called XXXX. I have learned from XXXX that I will not be able to have this benefit because of " errors related to errors created by escrow by XXXX in the paperwork. For months and months, I contacted them to get this fixed before they shoved me off. It has been almost 1 year and it looking like my Mortgage is going to be more then it was before. They are having me pay XXXX a month right now. Originally, I was paying {$3200.00}. So the story goes like this. I applied to XXXX and got accepted. I then was awarded 100 % complete and totally XXXX veteran status. I sent that paperwork into them and I took it to the State and turned it in as soon as I found out. The same week, because, as you know in the State of Florida 100 % TDUI ( Totally XXXX and XXXX ) veterans do not pay property taxes. As you can see in the approval letter email that I have attached to this, they included the property taxes in the figured amount. I told them multiple times about the mistake. All of these emails are me contacting them to fix this so the situation can be finished and resolved. They never did. They never contacted back and now I am losing this benefit because of lack of good business and proper management. Now I cant sell the property until this loan stuff is finished. They refused to do anything to acknowledge the fact that they screwed a veteran and I just about lost my house.

Company response to consumer: Closed with explanation