vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
XX/XX/year> I tried to make a {$300.00} payment and it would not let me, finally I was able to make a payment. Once I did it was not showing my available credit so I called. I was told by the first 2 people that my account was closed due to suspicious activity which there was not any, Ive always had my card and the only one who used it. They couldnt give me any other information. They closed my account all of a sudden after I made my payment, not the day before, or a week before. Right after my payment was made they closed my account and couldnt give me a real reason why. Then I proceed to call again later in the evening and I was told that it was closed due to unusual activity, yet still can not give me a REAL reason to why it was closed. Ive never made a late payment or no payment. Always paid before any payment was due. I done research about this and there is many many other people who have had this same problem. Something needs to be done about this and this credit card company!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Imprint Payments, Inc.
State: GA

Complaint narrative:
I opened a XXXX XXXX XXXXXXXX XXXX XXXX issued by Imprint Payments Inc in XX/XX/XXXX. Since account opening, Imprint has failed to transmit any account information to the three major credit bureaus XXXX, XXXX, and XXXX. This account has never appeared on my credit profile despite being open for approximately five months. The following billing cycles have closed with XXXX bureau reporting : XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX XX/XX/XXXX. I am attaching four PDF statements as documentation of each unreported billing cycle. This appears to be a systemic issue affecting multiple Imprint cardholders, not an isolated account error, based on widespread consumer reports across credit forums documenting the same failure to report beginning in XX/XX/XXXX. This constitutes a violation of Section 623 of the Fair Credit Reporting Act, which requires furnishers of information to report accurate, complete, and timely data to consumer reporting agencies. I am requesting the following resolution : ( 1 ) immediate retroactive reporting of all billing cycles listed above to XXXX, XXXX, and XXXX ; ( 2 ) written confirmation of the exact date this transmission will occur ; and ( 3 ) written confirmation that my account will be reported accurately on a monthly basis going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I am trying to make a payment online.I requested a replacement card because moved to XXXX.If the company not allowing me to make a payment or order replacement card I'm not responsible for the debt.

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 2026-05-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: SD

Complaint narrative:
So I purchased a vanilla giftcard, XXXX $ on it at XXXX XXXX and I got home to use it and was trying to but no sites worked, this is a common issue tho the card isnt accepted everywhere and someone said to check ur balance so I did and its drained to XXXX XXXX and I had XXXX. It was spend at XXXX XXXX at XX/XX/XXXX XXXX, amount drained : XXXX and I've contacted customer support but they don't help for anything, the card nubmer is XXXX. Expiration date : XX/XX/XXXX Security Code : XXXX please help me refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MT

Complaint narrative:
I am. Not sure what this amount and debt is for. I need to have information please so I can proceed. Thank you I see this is associated with a XXXXXXXX XXXX XXXX. This was paart of our XXXX XXXX file that was done in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have 2 or 3 collections on my account one is from XXXX XXXX Account posted on XXXX. Account is not mines I filed a dispute but I had to send in a FTC report to have it removed off all 3 credit bureau ... the other is Jefferson capital symptom for XXXX for XXXX the other one is from XXXX XXXX. XXXX balance. One is from XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I had a debt on my credit called to find out what it was from it. It was a debt of XXXX. That wasnt for me from a phone number. Thats not mine in a XXXX account that wasnt mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
b'Jefferson Capital Systems, LLC ("Jefferson") is reporting an alleged debt against me to XXXX, XXXX, and XXXX. The account is identified as Account No. XXXX and XXXX Reference No. XXXX, with XXXX listed as the original creditor and a balance of approximately $XXXX.\nOn XXXX XXXX XXXX, I obtained my XXXX credit report (Report No. XXXX) and identified the Jefferson Capital tradeline as inaccurate. On XXXX XXXX XXXX I sent Jefferson a sworn Notice of Dispute and Demand for Validation under 15 U.S.C. 1692g by USPS Certified Mail, Return Receipt Requested (tracking number XXXX XXXX XXXX XXXX XXXX XXXX). Jefferson received my dispute on XXXX XXXX XXXX as evidenced by the signed return receipt (PS Form XXXX).\nOn XXXX XXXX XXXX, Jefferson mailed me a written response. The letter states, verbatim: "We acknowledge receipt of your communication concerning the above referenced account. This letter is to confirm that we have closed our file and terminated collection action. We appreciate the opportunity to respond." The letter is signed "Jefferson Capital Systems, LLC."\nDespite Jefferson\'s express written representation that it has closed the file and terminated collection action, the tradeline continues to appear on all three of my consumer credit reports as an unresolved collection account. Jefferson has not deleted the tradeline, has not instructed the credit bureaus to delete it, and continues to furnish information about the account that is materially inaccurate and misleading.\nJefferson\'s continued furnishing of this tradeline after written termination of the account violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, which requires furnishers to provide accurate information and to correct inaccuracies. The conduct also constitutes an unfair and deceptive practice under the Consumer Financial Protection Act, because the same company that admitted in writing the account is closed continues to report it as open and unresolved damaging my creditworthiness and access to credit, housing, and employment.\nI am also concerned that Jefferson may sell or transfer this alleged debt to another collector despite its written termination, which would compound the harm.\n\n\nRESOLUTION SOUGHT (the next box on the form usually asks what you want):\n\n\nJefferson Capital Systems, LLC must immediately submit a Universal Data Form (AUD) to XXXX, XXXX, and XXXX instructing each bureau to DELETE the tradeline (Account No. XXXX) in its entirety.\nJefferson must provide me written confirmation that the account is permanently closed in its records and that the alleged debt will not be sold, assigned, or transferred to any third party.\nJefferson must provide written confirmation that all collection activity has ceased, consistent with its own XXXX XXXX XXXX letter.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
n XX/XX/XXXX, I cancelled two add-on products purchased with my vehicle loan for a XXXX XXXX XXXX XXXX a Service Contract ( XXXX XXXX XXXX for {$3500.00} and Key Replacement ( XXXX ) for {$890.00}. The total expected refund is {$4300.00}. Although the service providers confirmed the cancellations nearly 6 months ago, the funds have never been applied to my Chase loan balance. I have contacted both the dealership ( XXXX XXXX XXXX ) and Chase multiple times. The dealership insists that the lender is responsible for requesting the funds, while the bank states they have not received any payment and that the dealer must send the check. I am being caught in a cycle of misinformation between the dealer and the bank for over 150 days. I request the bank to conduct a formal investigation to locate these funds and apply them to my principal balance, backdated to the original cancellation date to correct the accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid a {$690.00} membership fee for my Chase Sapphire card. During that time, XXXX continued charging me monthly wellness plan fees even after my pet passed away in XX/XX/year>. I notified XXXX immediately, and they told me they would continue charging me regardless of my dogs death. That is unacceptable and unethical. I contacted Chase to dispute these charges. Instead of assisting me, Chase closed my account without my authorization and refused to issue a replacement card. I have called multiple times requesting that my account be reopened. Chase has repeatedly refused, and they have also refused to refund the {$690.00} membership fee that I paid for a card I can no longer use because of their mistake. Chase then told me I would need to submit a brandnew application. I made it clear that I do not want to apply again, especially when my credit score is not at its strongest. I have been a loyal Chase customer for many years. I did not ask for my account to be closed, and I should not be penalized for a merchants misconduct or for Chases error. Chase closed my account without cause, kept my membership fee, and left me without the product I paid for. This is not acceptable. I am requesting that Chase correct their mistake by reopening my account and restoring the membership benefits I paid for. Please help me resolve this to reopen my account. Everytime they told me to apply a new card, they kept denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: KEYCORP

Complaint narrative:
I opened a Certificate of Deposit ( CD ) account with KeyBank and informed the bank that I am a XXXX XXXX XXXX. At the time the account was opened, I submitted a valid XXXX form to certify my foreign tax status. Despite this, KeyBank incorrectly withheld XXXX XXXX from the interest earned on my CD account. I believe this issue was caused by KeyBanks failure to properly process or apply my XXXX documentation. As a result, I suffered improper tax withholding, financial loss, and significant inconvenience. The incorrect withholding may also create IRS reporting complications. I contacted KeyBank regarding this issue and requested an investigation and correction. I asked the bank to explain why my XXXX form was not properly processed, correct all related tax reporting records, and reimburse or assist in recovering the improperly withheld taxes. As of today, the matter has not been resolved satisfactorily. I am requesting that KeyBank : investigate the error, correct any inaccurate tax reporting, and reimburse or assist me in recovering the improperly withheld taxes caused by the banks error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: OH

Complaint narrative:
I am filing this complaint against L J ROSS ASSOCIATES INC regarding account XXXX. I sent a formal dispute to this agency last month, but they have failed to provide any actual validation or documentation to support the debt they are reporting. Despite my dispute, they continue to report this account as a " paid collection. '' Reporting an account without providing a signed contract, a breakdown of the balance, or proof of their authority to collect is a violation of the FDCPA and FCRA. Furthermore, the reporting is inconsistent across the bureaus, which proves the data they are furnishing is unreliable. Since they have failed to verify the accuracy of this account after being given ample time, they are legally required to stop reporting it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am formally requesting a full investigation of my entire account, as all debts associated with XXXX ( Now Aidvantage ) were paid in full in XX/XX/XXXX. At that time, XXXX payments were remitted to XXXX to satisfy all outstanding balances : a personal check in the amount of {$21000.00} and a check from the loan consolidation lender, XXXX XXXX, in the amount of {$94000.00}. We received confirmation that these payments were applied, and the XXXX XXXX consolidation loan was subsequently paid off in full by XX/XX/XXXX. No delinquency, outstanding balance, or adverse credit reporting occurred at that time, nor was I ever contacted regarding any remaining debt. From XXXX until XXXX, there were no negative credit reports, billing statements, collection notices, or other communications indicating any unpaid balance. However, in XXXX, Aidvantage began reporting delinquent student loan debt to the credit bureaus, and I have since received correspondence from the U.S. Department of Education asserting that I am delinquent on loans I believe were fully satisfied nearly a decade ago. I have never received any refund, overpayment check, or notice suggesting that any portion of the XXXX payments was returned, unapplied, or misapplied. I have made repeated attempts to resolve this matter directly with Aidvantage ; however, their policies do not allow for written or documented correspondence and require all communication to occur by telephone. Unfortunately, despite spending more than XXXX hours on phone calls, the issue remains unresolved. Most recently, I was required to remain on hold for over XXXX hours, only for the representative to place the loan into deferment -- an action I expressly did not request and which does not address the underlying issue. On another occasion, I attempted to speak with a supervisor, but after waiting over an hour, I was unable to do so. This debt was paid in full in XX/XX/XXXX, and I dispute the validity of any claim that I am currently delinquent. Accordingly, I am requesting an immediate and thorough investigation into all accounts associated with my name, including a reconciliation of all payments made in XXXX. I further request that any and all incorrect determinations of " outstanding debt '' be corrected without delay and that all negative credit reporting related to these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
My business checking account for " XXXX XXXX XXXX '' was closed by Mercury Technologies. Following the closure, Mercury stated they mailed a physical check for my remaining balance of {$4900.00} on XXXX XXXX, 2026, to my registered business address ( XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ). It has now been nearly a month, and my registered agent has officially confirmed in writing that the check was never received. I have repeatedly emailed Mercury 's support and escalation teams requesting them to trace the check, void the lost check, and securely reissue my funds. However, Mercury has completely ignored my direct emails and is withholding my funds without providing any customer support or alternative resolution. Mailing a {$5000.00} check without a tracking number is irresponsible, and their lack of communication is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
My Mercury business checking account was locked in 2023 due to suspected unauthorized transactions or internal review. Since then, I have repeatedly contacted Mercury support but the issue has not been resolved. I recently recovered my login credentials and confirmed that the account is still locked. Approximately {$2000.00} remains in the account and I still do not have access to my funds. I contacted Mercury support again in 2026 and received support ticket ID XXXX, but I have not yet received a meaningful resolution. I am willing to provide any business or identity verification documents required. I simply want access to my remaining funds or a proper review of my account status. My Mercury Registered Email is : XXXX Company Name : XXXX XXXX Owner : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: WY

Complaint narrative:
I am submitting this complaint regarding the handling of unclaimed business funds following closure of my companys banking account with Mercury. In XX/XX/XXXX, Mercury notified my company that it would no longer provide banking services and proceeded to close the account. After closure, Mercury issued a physical check totaling {$12000.00}, representing the remaining account balance. The check was issued with a six-month validity period. As a XXXX XXXX operating a XXXX business, I encountered practical limitations depositing a large XXXX business XXXX. Available financial institutions accessible to me imposed mobile check deposit limits below the issued amount, preventing successful deposit of the check. Prior to expiration, I contacted Mercury requesting : Cancellation of the issued check Reissuance of funds through an accessible payment method such as ACH transfer, wire transfer, or replacement checks in smaller amounts On XX/XX/XXXX, Mercury acknowledged my request and confirmed that the matter had been forwarded to a specialist team for handling. Since that date, despite multiple follow-up attempts, no further communication, instructions, or resolution has been provided. Actions taken by me : Attempted to deposit the issued check through available banking channels Contacted Mercury support requesting alternative disbursement of funds Sent repeated follow-up communications requesting status updates and escalation Current issue : The companys funds remain inaccessible due to lack of response and failure to reissue payment through a workable method, while the original check approaches expiration. Requested resolution : I request that Mercury promptly cancel the original check and reissue the funds via an accessible electronic payment method ( ACH or wire transfer ) or another reasonable alternative so the company can receive its remaining balance following account closure.

Company response to consumer: Closed with explanation