vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: AR

Complaint narrative:
I am writing to file a formal complaint against Atlas/Exto Inc regarding deceptive cancellation practices, unauthorized electronic fund transfers, and the intentional withholding of consumer banking controls. Despite my explicit directives to terminate my membership and revoke Atlas access to my personal bank account, atlas platform has actively prevented me from protecting my financial data and has continued to withdraw funds without my consent. I am demanding immediate action on the following violations : Deceptive Cancellation Process : Atlas platform intentionally lacks a direct, " one-button '' membership cancellation option. This creates an unfair and predatory barrier for consumers attempting to terminate services. Withholding Financial Control : Atlas system actively blocked me from removing my linked bank account from their platform. Preventing a consumer from removing their financial credentials upon request is an unacceptable security and compliance violation. Unauthorized Withdrawals Post-Cancellation : I explicitly requested that my membership be closed. Following this request, I received a confirmation email stating that account closure takes 3 to 5 business days. However, during this window, Atlas proceeded to withdraw money from my bank account anyway. Once a consumer revokes authorization and requests account closure, any subsequent withdrawal constitutes an unauthorized electronic fund transfer. I did not agree to be billed during a multi-day processing delay that exists solely on Atlas end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Each time they call I explain I am unfamiliar about the debt and I would like a letter they always claim OK updated my address because they originally had an old address updated it to my current address. Ive yet to get a letter they called back today. I explained to them Ive had to get a letter. This has been the fifth phone call and the fifth time weve asked for a letter. The man on the phone said we do not have to send a letter and were not going to send a letter I said by law if Im asking for a validation letter, you have to send me the validation letter to show that the debt is in your hands. He says no we dont and I gave the phone to my wife. She went over the FDCPA loss and explain yes if somebody is requesting proof that the debt is theirs, they have to send the proof in the mail. He says no we dont so she asked for the manager. We replaced on hold for 20 minutes. The man comes back to line and says so I checked laws we dont have to send you a letter still refuse to let us even talk to a manager the company and the guy calling. It seems to be a fraudulent call. I dont know maybe a scam Im not sure. He claims to be with CCS collections

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint arises from the consumer reporting agencys continued noncompliance with its obligations under the Fair Credit Reporting Act ( FCRA ) 609. Following my formal request for full file disclosure and verification, the agency has persisted in reporting information without producing competent, verifiable documentation to substantiate the accuracy and completeness of each item. The presence of unverified and unsupported data in my credit file demonstrates a failure to maintain reasonable procedures to assure maximum possible accuracy, in violation of federal law. Such conduct constitutes negligent, if not willful, noncompliance and exposes the agency to liability under FCRA 616 and 617.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
A month ago i was alerted by XXXX XXXX that my XXXX XXXX dropped by XXXX points, it was in upper XXXX before the drop. I went to see what cause it and found there was a collection ( {$150.00} amount ) on my account from XXXX XXXX. I have never heard or dealt with this company. The dept is now with the XXXX XXXX XXXX XXXX. I did a dispute through XXXX XXXX but my credit has not improved. I just placed a fraud alert on my account. I have never been contacted via letter or a call from XXXX XXXX. My credit score was excellent. They are ruining my score. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I am currently in a XXXX XXXX bankruptcy and most of the loans are included. Nelnet has placed my loans in repayment asking for over {$700.00} a month. I have called and spoken with a representative and was advised that my loans would be placed in bk deferment until XXXX by XX/XX/XXXX. However my loans are still showing in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
On XX/XX/2026, my longtime employer unexpectedly passed away, causing significant financial hardship and disruption to my income stability. Since that time, I have been experiencing financial difficulties and have been unable to afford automatic payments being withdrawn every XXXX weeks. I contacted Advance America by telephone to explain my financial hardship and to request assistance, including a possible settlement arrangement or reduced payment option. I was informed by the company that they could not offer a settlement on the account until the account became XXXX ( XXXX ) days past due. I attempted to work directly with the company in good faith to avoid default and seek a manageable solution during this temporary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding an account reported by XXXX callers Collectors that is inaccurately appearing on my credit report. The account was closed in XX/XX/year>, yet I have observed charges applied after the closure date, which violates the Fair Credit Reporting Act ( FCRA ), specifically the duty to report accurate and complete information ( 15 U.S.C. 1681s-2 ). According to the Superior Court of New Jersey the property associated with this account was vacated, and I have legal court documentation confirming the resident was evicted. Therefore, it is impossible that any services were rendered or charges accrued after XX/XX/year>. I have attached the court order and supporting documentation proving the account should have been inactive after this date. Despite contacting the credit reporting agency and providing the necessary documentation, no corrective action has been taken. Under FCRA, XXXX XXXX is legally required to correct or delete inaccurate information upon notice. I am now requesting : 1. Immediate removal of this account from my credit report. 2. Written confirmation of the removal or correction. This inaccurate reporting is negatively affecting my credit standing and financial opportunities. I request prompt resolution and expect compliance with the FCRA within the legally required timeframe. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified collection accounts currently being reported on my consumer credit reports. I disputed these accounts because the information being furnished is incomplete, misleading, and has not been properly verified pursuant to the Fair Credit Reporting Act ( FCRA ). The accounts continue to report as open collections despite the furnishers failing to provide competent evidence that : the debt belongs to me, the balances are accurate, the dates are accurate, or that they have lawful authority to report. Additionally, the reporting appears inconsistent and misleading because the collection agencies are also listed as the original creditors, which is inaccurate and confusing under XXXX XXXX reporting standards. I am requesting : immediate deletion of these accounts, a full reinvestigation, and verification documentation bearing my signature or contractual liability. If the furnishers can not provide proper validation and complete accuracy, these accounts must be removed immediately under the FCRA.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
When I did my taxes into it XXXX suggested that I use Credit Karma spending account to put my taxes in there and it would be put in there earlier I did that I used that tax money and then I decided about a month or XXXX later to transfer from my bank account XXXX XXXX to my spending account with Credit Karma {$2000.00} of my money so that I could have it kind of out of sight out of mind for savings before the transfer actually went through Credit Karma closed my account said there was an investigation going and is now refusing to give me my money to let me speak to anybody about the investigation and won't give me anything else other than they're working on it and I did all of that I transfer the money on XX/XX/XXXX they closed my account on XX/XX/XXXX I didn't know about that until XX/XX/XXXX I had called because it showed that my account was locked when I try to use my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, a company called XXXX XXXX XXXX took {$4400.00} out of my PayPal account and created a negative balance for that amount. I caught it around XXXX XXXX. I did not authorize this payment nor do I know the company. I did contact PayPal and they removed my bank account from PayPal and filed a dispute. It came back that the payment was authorized on my end but it was not. I disputed again but PayPal same back with the same answer. The payment has now been sent to collections. Invoice # on PayPal is XXXX. Again this payment was NOT authorized by me. Fraudulent activity that PayPal would not take action against.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I reported to Chase Bank Fraud Department the loss of my phone, credit and debit cards. I disputed several unlawful charges on my checking account # XXXX including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Chase bank sent me a letter via online portal, reporting that above charges totaling {$440.00} had been investigated and assumed to be legitimate. I contented this finding and called Chase 's Fraude Dept. They grudgingly agreed to send me by regular mail the background data to support denial of my claim. To date, I have not received anything and I know there is a time limit to file complains with the CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Month On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. Historical info Original creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
The XX/XX/2026 statement clearly states an amount past due of {$17000.00}, an interest rate of 10 % and a total amount due of {$21000.00}. The previous listed 6 months payments unpaid were listed as {$1400.00} each month. The XX/XX/2026 statement now states an amount past due of {$32000.00}, an interest rate of 19.125 % and a total amount due of {$37000.00}. The previous listed 6 months payments unpaid are NOW listed as {$2500.00} each month, in stark contrast of the XXXX statement. With no notice or explanation provided. Date ( s ) of the error : XX/XX/2026 Amount ( s ) involved : {$14000.00} We have requested a breakdown of the huge difference and why the past payments due are stated to be changed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery with a balance of {$6300.00}. This account contains multiple invalid dates throughout the payment history, which constitutes inaccurate reporting under the Fair Credit Reporting Act. Additionally, this was a joint account and the full balance can not be accurately attributed solely to me. The balance has also increased significantly from the original amount owed, and I have not received any itemized breakdown of how this amount was calculated. Columbia Debt Recovery purchased this debt and I do not believe they can verify the original amount, original creditor documentation, or provide an accurate payment history. I am requesting this account be investigated and removed from my credit report due to these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I am filing a complaint against the debt collector for attempting to collect and credit-report an invalid, duplicate debt that was fully settled over XXXX years ago. On XX/XX/2024, I successfully paid and settled my outstanding balance of {$220.00} owed to the original creditor, XXXX XXXX, through their authorized collection agent, XXXX, XXXX. I received an official " Paid in Full '' settlement letter verifying this resolution. Despite this debt being completely satisfied, a secondary debt collector recently opened a new collection file attempting to collect {$220.00} for the exact same XXXX XXXX account. They have placed this inaccurate, duplicate collection trade line on my credit reports, causing immediate damage to my credit standing. A collection agency can not legally report a balance or a collection trade line on an account that has already been settled with a prior authorized collector.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-05-21 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: NC

Complaint narrative:
I placed an order ( # XXXX ) with XXXX on XX/XX/year>. Ive ordered # XXXX hair bundles from them before, and the XXXX was lighter than what I received this time. The XXXX pack was also much darker than expected, nearly XXXX, even though Ive purchased it locally before and it was lighter. Additionally, the packaging had a strong tobacco odor, which was very off-putting. Overall, I was disappointed with the order and contacted them regarding a return. I contacted XXXX XXXX times in an attempt to return the unused and unopened hair product. As shown in the attached email correspondence, I first contacted them on XX/XX/year>, the same day I received the shipment. I did not receive a response. On XX/XX/year>, I contacted them again through both their website and email. I received a reply stating that they would follow up, but no additional response was ever provided. I disputed the charge with my credit card company, Citi. Their response states that I need to work directly with the merchant to resolve the issue. However, I have already contacted the merchant three times in an attempt to do so. Citi has refused to work with me further because I am still in possession of the item. I am willing to return the product, however, without the authorization number and return address, I have no way to do so. XXXX requires a Return Merchandise Authorization ( RMA ) before accepting returns. As shown in the ( attached ) screenshot, their policy specifically states that returns will not be accepted unless prior authorization has been issued. Because I made every reasonable effort to resolve this matter directly with the merchant and was unable to do so due to their lack of response, I respectfully request that Citi accept this as a valid dispute and issue a full refund.

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