vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I moved out of an apartment in XX/XX/year>, and after I requested my utilities to be shut off, they continued billing me for months. I sent proof that I left, and the water was shut off. They stated I did not properly close the account. They want money for a service someone else received and are trying to get the easy way out instead of contacting the user at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a paid collection account being reported by Credit Collection Services on behalf of XXXX XXXX. This account was resolved after I changed insurance carriers and the balance was paid in full. During resolution of this account, it was represented to me that the collection would be removed or would no longer negatively impact my credit reporting upon payment. Despite payment and resolution, the collection account continues reporting to the credit bureaus and is causing ongoing harm. I am requesting a full investigation into the accuracy and continued reporting of this collection account under the Fair Credit Reporting Act. If the furnisher can not provide complete and accurate documentation supporting continued reporting, I request deletion of the account from all credit bureaus. Additionally, if this account was settled under a pay-for-delete understanding or similar representation, continued reporting may constitute inaccurate or misleading credit reporting practices. Please provide : Complete account-level reporting documentation furnished to each bureau Verification of the authority to continue reporting after settlement Copies of all records relied upon during reinvestigation Confirmation whether deletion was agreed upon or discussed during settlement I am requesting deletion of this tradeline from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been receiving multiple calls from a company TSI, and they are saying they are a debt collection agency. Whenever they call they ask for a random name. I've had the same number for over XXXX years. The people they ask for I do not know. I have debt that I have been settling and when I ask which company they are collecting for they say they cant give the information. I have never received anything from them in any writing. Honestly, it seems like a scam. The last call a lady had an accent when she first came on then it suddenly went away, maybe they are using software to mask their voice. They always call from different numbers and I have already blocked so many of them. I have XXXX different numbers they are using and the calls started randomly XXXX. XXXX. They do have a website and an address they are using. Tsi is Transworld Systems Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Experian Information Solutions 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 2026-05-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is ongoing case with Wells Fargo. I have my credit card closed on XX/XX/year> with XXXX balance on my account. A week later, Wells Fargo made an adjustment and put a few transaction charges back to my closed credit card, at total amount {$17000.00}. The reason is Wells Fargo to process an electronic payment failed to collect the previous paid by XXXX XXXX XXXX ( XXXX ). I contacted Wells Fargo and created a Wells Fargo case : XXXX. Wells Fargo Escalations Representative, XXXX XXXX XXXX XXXX ext. XXXX ) called me and followed up with this case, saying to do the investigation. I have worked with XXXX and provided the information of the company, XXXX system which paid these transactions. Wells Fargo 's investigation concluded the account from XXXX does not exist. I went to XXXX local office, XX/XX/year>, provided the XXXX system 's bank statement, which information was used to pay off the transactions. XXXX local office checked the bank statement and found out it was an inactive account. I reported to Wells Fargo this and pointed out Wells Fargo credit card system has been hacked and manipulated by the scammer. Wells Fargo credit card authority still put the burden on me, a regular credit card user. Wells Fargo credit card has cleared all my transactions, including this XXXX company 's XXXX account several times. Now Wells Fargo put this {$17000.00}, plus their interest and late fee on my closed credit card account. As a Wells Fargo credit card user, I paid off my credit card before they closed my account and I am not responsible for their system fraud. This is reason I am filing this complaint.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Landmark Strategy Group, LLC
State: NY

Complaint narrative:
" I am filing an official complaint against XXXX XXXX XXXX XXXX and Landmark Strategy Group , LLC for fraudulent debt generation, inaccurate credit reporting profiling, and illegal collection activities on a fully paid account. I leased merchandise from XXXX. XXXX through XXXX. In XXXX, I exercised my official Early Purchase Option and paid off the account completely. I have full screenshot proof of the buyout confirmation, as well as bank records showing every single regular monthly payment and the final verification payments made to XXXX. My actual balance is completely {$0.00}. Due to a massive corporate billing system 'glitch, ' XXXX failed to close out the account on their system. Instead, their system automatically generated a fraudulent, phantom balance of {$700.00} by pretending I missed months that occurred after my actual buyout. While I was physically on the phone with an XXXX representative attempting to fix this glitch, XXXX wiped the account history from my active portal and immediately dumped/sold this fake {$700.00} debt profile to Landmark Strategy Group , LLC. XXXX has additionally slashed my active credit lines based entirely on their own internal glitch. XXXX XXXX XXXX has purchased a completely false, inaccurate debt string. Attempting to report or collect on a debt that was fully legally extinguished in XXXX is a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: NC

Complaint narrative:
My Bilt XXXX, issued by XXXX XXXX. and serviced by XXXX XXXX, has been frozen since approximately XX/XX/XXXX more than two months with no prior notice and no written adverse action notice explaining the reason. Since the freeze, I have contacted support more than 10 times via in-app chat and phone. In-app support has repeatedly confirmed in writing that my account has been unfrozen, but the card remains inoperable on every subsequent attempt to use it. These false confirmations are documented in my saved chat transcripts. When I called the customer service number on the back of the card, the representative stated they could not see that my card was frozen. They then transferred me across multiple entities ( XXXX, Bilt Rewards, and a third party ). No party would take ownership of the issue and I was offered no path forward. I currently hold a credit balance of approximately {$680.00} on this account. Because the card is frozen, I have no functional way to access or retrieve these funds XXXX XXXX is effectively holding my money with no available return process. I am also paying a {$490.00} annual fee for a XXXX product that has been entirely non-functional for over two months. This appears to be a systemic issue affecting many cardholders following the Bilt programs transition from XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. I have filed a parallel complaint with the OCC regarding XXXX XXXX oversight of this program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
We are past due. One main calls us XXXX times a day everyday for the last XXXX months. We have had to put our phones on permanent do not disturb

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
Although the account is being reported as charged off, the debt was sold to a thirdparty collector and fully satisfied under the agreedupon terms. This inaccurate status constitutes a false representation of a material fact and has resulted in financial injury. This account must be deleted as per stipulated by the relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: CA

Complaint narrative:
I contacted the company and revoked my ACH authorization to their company on XX/XX/XXXX for a transfer on XX/XX/XXXX. They responded and said that it would not be possible due to their policy. I responded and I said law Trumps their policy they continued to send me automated messages, and the day came in the transfer was illegally and unauthorized removed from my wages. I had worn them that I would report them and they seem to not have cared. My employer refused to stop the payment as well when I contacted my managers directly. please note I sent well over 10 emails over and over again, explicitly stating effective immediately that my authorization was terminated and revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Experian Information Solutions Inc.
State: AL

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
After I filed for bankruptcy, my Chime XXXX XXXX account ( I didnt even know I had that specific account ) was closed around the same time and exact day my tax refund were credited into my checkings account. Following the account closure, I lost access to these funds. I have contacted Chime multiple times over a period exceeding XXXX days and have been told multiple things such as my check will take up to XXXX days to come. I was also told I would receive follow-up communication via email due to that department not having direct customer service, but I have not received a resolution or clear explanation. I have received conflicting information regarding the status of my account and the location of my funds. I am requesting clarification on why the account was closed, where my funds are currently being held, and when they will be released. Additional account ledger information has recently appeared showing reserved funds and a credit builder balance due that was not previously visible. I did not receive statements from that account and was not aware of this account being actively used. I was only seeing a checkings and savings account on my app and using my debit card with the checkings routing number. I need a complete breakdown of how my deposited funds were allocated and why a current balance due is showing. I do not owe Chime or have any outstanding debts with Chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a new complaint against Discover Bank for ongoing inaccurate credit reporting, re-posting of fraudulent charges, false dispute resolution, interest charged on disputed amounts, and failure to comply with my active fraud alert. These violations occurred after my previous CFPB complaint and represent new, separate, and escalating harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: OR

Complaint narrative:
To Whom It May Concern, This letter serves as a FINAL NOTICE regarding the inaccurate, disputed, and unverified reporting and collection activity associated with the alleged account originally tied to XXXXXXXX XXXX and later transferred and/or reported by Hunter Warfield . Original Creditor : XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX I formally disputed this alleged account in XX/XX/XXXX and demanded validation along with a cease and desist of collection activity and reporting. Despite this, the account continues to be furnished and reported to XXXX XXXX XXXX XXXX without lawful validation being provided to me. The reporting history itself reflects : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This continued reporting after formal dispute and failure to validate raises serious concerns under : * Fair Debt Collection Practices Act ( FDCPA ) * Fair Credit Reporting Act ( FCRA ) * 15 U.S.C. 1692e * 15 U.S.C. 1692f * 15 U.S.C. 1692g * 15 U.S.C. 1681e ( b ) * 15 U.S.C. 1681i * 15 U.S.C. 1681s-2 I requested proof and lawful validation of this alleged debt and did not receive sufficient evidence proving : * contractual liability, * lawful assignment, * authority to collect, * or accuracy of the information being reported. Furthermore, the alleged account appears to have been transferred and/or sold to a third party while under dispute, and collection/reporting activity continued despite prior cease and desist notice. Due to the continued inaccurate and harmful reporting, I have suffered damages including interference with relocation and housing opportunities, reputational harm, emotional distress, and financial damages. Therefore, I demand the following immediately : 1. Deletion of this account from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate cease and desist of all collection activity and furnishing of information. XXXX. Written confirmation that the account has been deleted and closed. If this matter is not corrected immediately, I reserve the right to pursue all available remedies including complaints with : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) * Oregon Department of Justice * Civil legal action for damages, negligent reporting, and failure to investigate disputed information. This letter is not an admission of liability, and all rights are reserved. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX [ XXXX ] ( XXXX ) Original Creditor XXXX XXXX XXXXXXXX Info Address XXXX XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Loan was originated by XXXX XXXX in XXXX and it was a XXXX year fixed loan and interest rate adjusts at the end of every XXXX years to a new interest rate and it stays fixed for another XXXX years. XXXX bank sent a loan adjustment notice in XX/XX/XXXX stating that new interest will be increased to 6.055 % from 3.59 %. New payment was withdrawn on XX/XX/XXXX from my bank and XXXX statement showed the new interest and new amortization amounts. I received another notice on XX/XX/XXXX stating that interest being increased from 6.055 % to 6.405 % and new payment will be deducted on XX/XX/XXXX. I protested and sent them an email and they are simply saying that they made an internal error and that is why interest rate was increased XXXX. I need your help as I think they are simply increasing it a XXXX time when it was supposed to stay fixed for another XXXX years. If they made an error then they have to take the loss as it is their mistake. I am attaching both the notices and the email communication. Please help me with this issue. Thank you

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 2026-05-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
At approximately XXXX on XX/XX/2026, I used the XXXX XXXX app to book a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Montana , from XX/XX/XXXX through XX/XX/2026. The quote I received was $ XXXX for six nights for a room with a King-sized bed and a sofa bed. The total, including {$97.00} taxes and fees, was {$1100.00}. During the checkout process the app enticed me to apply for the XXXX XXXX XXXX XXXX card to benefit from an immediate {$250.00} off my stay via a {$250.00} XXXX XXXX XXXX. I applied for the card and was approved. When I tapped the button to return to my transaction, I was notified that there were no rooms available. I called customer service. After being on hold for 25 minutes I spoke to an agent who said she would be able to get me the room at that rate. When I asked about applying the {$250.00} XXXX XXXX card, she placed me on hold. After being on hold for another 20-25 minutes, a different agent with no knowledge of the issue came on. After I re-explained the situation to me, she notified me that there were no rooms left at that rate and there was nothing she could do to help me. I asked about another XXXX property in XXXX, Montana, just two miles from the one I was attempting to book. She said rooms were available there but she was unable to give me the preferred rate. I believe that this is a classic bait-and-switch tactic, that everything I experienced was intentional on the part of XXXX and aimed at getting me to apply for their credit card, and that XXXX customer service agents have been coached not to resolve these issues in any meaningful way. I now have no lodging and my credit score will be materially impacted from the hard inquiry.

Company response to consumer: Closed with explanation