vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
So today an automated system sent me a threatening message if i didnt respond i would be served I called back the # and the AI said they were from XXXX XXXX XXXX i have had a run in with this company before you have people working on your behalf thats doing debt collections illegally this lady called me from XXXX, says her name is XXXX and she will fight me in court and its {$3000.00} and im gon na pay it or else these things are very disturbing im currently forwarding this also to the CFPB and texas attorney general i dont know this lady and she seemed very personal like she was out to get me, when she answers she says this is XXXX from the legal office, she says XXXX XXXX is this XXXX wont state last name and where shes from the website is XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits collectors from using false, deceptive, or misleading representations to collect a debt. Under the FDCPA, a collector must meaningfully disclose the caller 's identity ( the caller 's name and the company name ). Failing to identify themselves is a direct violation, classifying the call as decept

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX, after moving out of my apartment, I was charged approximately {$900.00} in alleged move-out damages. I was not provided sufficient documentation supporting these charges. The account was later sent to collections and reported on my credit. I disputed the debt and requested validation. I've requested validation from XXXX XXXX and Pro Collect. On XX/XX/XXXX, I sent certified mail to the debt collector requesting validation of the debt, including an itemized breakdown, move-out inspection reports, photos of alleged damages, and repair invoices. I did not receive a response providing this documentation. The debt collector previously stated in a CFPB response that proof of the debt would be mailed to me on XX/XX/XXXX. I never received any such documentation. Despite my requests for verification, the debt continues to be reported on my credit reports without supporting evidence being provided.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute / Consumer File Correction Request To Whom It May Concern, I am writing to formally dispute an item currently being reported on my consumer credit file. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I am writing to state that I have never given my explicit written consent to furnish, disclose, or contain my personal identifiable information or account history regarding the account listed below to your agency. Please review and investigate the following disputed account information : Furnisher/Creditor Name : Midland Credit Management Account Number : XXXX Disputed Amount / Balance : {$1300.00} Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into this dispute within 30 days. If the furnisher can not provide strict proof of a signed, written agreement granting permission to report my personal data, or if this account can not be fully verified, it must be completely and permanently deleted from my credit file. Please send a updated copy of my credit report and the results of this investigation to my address listed above as soon as it is concluded. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
How many wiggle battle with XXXX XXXX who is related to XXXX XXXX of XXXX. She has used her families prestige to access my personal information and to gain online access to my accounts. She is making fake accounts with my information and processing transactions from my real account to those fake account accounts and stealing my money. Cash app is one of those institutions where she has a fake account and she's using it to steal my money. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am an established Bank of America customer and currently on XXXX leave caring for my XXXX XXXX On XXXX XXXX XXXX, I filed a timely claim for New Jersey Family Leave Insurance ( FLI ) to cover my partial income during this leave. Due to severe administrative processing delays within the New Jersey Department of Labor, my claim was trapped in a bottleneck and was only officially approved last week ( early XX/XX/year> ). Because of this month-long state processing delay, my regular cash flow was completely disrupted, creating a temporary payment bottleneck that caused my Bank of America checking account to drop to a negative balance of approximately - {$200.00}. Overnight, Bank of Americas automated risk assessment algorithms flagged this temporary negative checking balance. Rather than reviewing my long-standing positive history with the bank, the automated system enacted an aggressive risk sweep, immediately slashing my credit card limit from {$21000.00} to {$5400.00}. The Impact : This sudden, automated 74 % reduction in my credit line has caused two immediate crises : 1. It instantly inflated my credit utilization ratio on the card, severely threatening my credit score through no structural financial fault of my own. 2. Because the automated system enacted this sweep before my newly approved state funds could clear into the account, my family has been left entirely stranded with {$0.00} available for immediate daily essentials, including groceries, formula, and gas for my vehicles. Front-line customer service and standard collections departments have been unable to offer any manual overrides, instead instructing me to fill out a standard credit limit increase application online. This advice is fundamentally flawed, as the automated online system will immediately reject the application due to the recent negative checking balance that triggered this loop in the first place. Desired Resolution : I request that an Executive Credit Underwriter or Risk Manager manually review my account to enact the following resolutions : Immediate manual reinstatement of my original {$21000.00} credit limit based on my documented state approval. A temporary hardship hold on the account to prevent further automated credit score penalties or limit drops while my approved New Jersey FLI funds clear. A full manual waiver and reversal of any overdraft or extended negative balance fees incurred on my checking account as a direct result of this temporary state-insurance delay

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems Account # XXXX XXXX Company : Jefferson Capital Systems Product : Debt Collection Issue : Failure to validate debt / Continued reporting of unvalidated and disputed collection account Narrative : Jefferson Capital Systems has placed a collection account on my XXXX credit report Account # XXXX, with XXXX listed as the original creditor, in the alleged amount of {$3900.00}. The collector account open date is listed as XXXX XXXX XXXX, with a reported removal date of XXXX XXXX. I dispute this account in its entirety and have sent Jefferson Capital Systems a formal debt validation demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as well as a Cease and Desist letter under 15 U.S.C. 1692c ( c ) and a direct furnisher dispute under FCRA Section 623. Jefferson Capital Systems has failed to provide adequate debt validation. Specifically, Jefferson Capital Systems has not produced : ( 1 ) a copy of the original XXXX account agreement signed by me ; ( 2 ) documentation of the complete chain of assignment from XXXX to Jefferson Capital Systems ; ( 3 ) a complete and itemized XXXX payment history showing how the alleged {$3900.00} balance was calculated ; ( 4 ) proof that Jefferson Capital Systems is licensed to collect debts in North Carolina ; and ( 5 ) the complete XXXX account number and contact information. Despite failing to validate this alleged debt, Jefferson Capital Systems continues to report Account # XXXX on my XXXX credit file, causing ongoing and material damage to my creditworthiness and financial life. This conduct constitutes violations of FDCPA 15 U.S.C. 1692g ( b ) ( requiring cessation of collection pending validation ) and FCRA Section 623 ( 15 U.S.C. 1681s-2 requiring furnishers to report only accurate, verified information ). A formal Cease and Desist letter has also been sent, and any continued contact will constitute additional FDCPA violations. I request that the CFPB : 55. Require Jefferson Capital Systems to immediately delete Account # XXXX from my XXXX credit file ; 56. Require Jefferson Capital Systems to cease all collection activity on this account immediately ; 57. Require Jefferson Capital Systems to provide complete and adequate XXXX debt validation documentation, or confirm in writing that it can not do so ; 58. Investigate Jefferson Capital Systems ' compliance with the FDCPA and FCRA regarding this account and similar practices of reporting unvalidated debts. This account 's presence on my XXXX credit file has caused significant harm to my credit score, my ability to obtain housing, and my financial stability. I am prepared to pursue all available civil remedies under the FCRA and FDCPA if this matter is not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: Block, Inc.
State: NV

Complaint narrative:
Square had suspended my account, so I can't take orders on my website. I've never had a customer dispute a purchase or request a refund. Unlike them, I pride myself on customer service and on resolving any issues that arise immediately. Regardless, and for no apparent reason, my account was suspended. This goes on the entire month of XXXX and into XXXX. On XX/XX/XXXX, they charged me {$140.00} for my main location and {$35.00} for a location I had already closed down. On that same day, they deactivated my account. So, they charged me for a service the same day they took away their ability to provide that service to me. I called their " customer service, '' and after an hour of runaround, they agreed to refund {$150.00} of the {$360.00} I requested ( {$180.00} for XXXX and {$180.00} for XXXX ). They also let me know they will hold these funds for XXXX DAYS! Even though they haven't accepted any transactions from my website in XXXX days and all previous orders are filled, they're going to hold on to that, and the rest of the money in my merchant AND SAVINGS account. What does my savings account have to do with any of this? Who knows, they don't, or couldn't explain it to me, but they're going to hold on to those funds regardless. So they stole my money, charged me for services they know they couldn't/would n't provide, refused, or don't know, an explanation for all this other than, " Your account has been flagged as risky, '' and then they had the audacity to suggest I open another account and " give it another try. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I filed a claim with Wells Fargo due to unauthorized charges. Wells Fargo claims assistance denied my claim due to unauthorized charges. They changed my bank account information on the XXXX of XXXX which became a detriment during the investigation and they ultimately refused to issue me my money due to the unauthorized charges. Their reasoning was due to the items not being cancelled on time. I did not get notifications from Wells Fargo. These charges added up to almost {$1000.00}. XXXX refuses to give me my money back.

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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC System is attempting to collect a fraudulent AT & T telecommunications debt of {$230.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft.

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 2026-06-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported transaction to PayPal credit and PayPal credit card of package never arrived got lost or stolen and that I informed vendor and vendor said it was going to reshipped package and they never did. I submitted email back and forth with XXXX but they refused to issue refund or reshipped package. And credit card company rejected my 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
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Refuse to Disburse Confirmed Funds/ Account Ending in XXXX / Citi Reference : XXXX Description of the issue : For the past 6 months, I have been continuously trying to resolve this issue with Citibank. I have been calling their customer service and specialized departments every single month, spending up to XXXX hours on international hold during each call, yet the bank has failed to provide a resolution. I am filing this formal complaint against Citibank XXXX. for systemic failure, deceptive instructions, and the illegal withholding of my confirmed funds in the amount of {$1700.00}. On XX/XX/year>, Citibank 's Executive Response Unit ( XXXX ) issued a " final correspondence '' letter ( Case Ref : XXXX ), explicitly confirming that my remaining balance is {$1700.00}. The letter provided a specific protocol : I was instructed to call the Fraud Servicing Unit ( FSU ) at XXXX and provide Verification Code XXXX to update my mailing address and receive my check. Today, on XX/XX/year>, I followed Citibank 's exact instructions. I called the FSU line, passed the initial screening, and provided XXXX XXXX. Instead of processing the address update, FSU agents repeatedly went into denial, claiming they " see XXXX balance '' because the account is closed, entirely ignoring the XXXX case notes and the confirmed {$1700.00} disbursement check hanging in their system. When I requested a Russian interpreter to ensure accurate spelling of my XXXX mailing address, and subsequently demanded to speak with a Supervisor to resolve the internal system XXXX spot, Citibank employees intentionally disconnected/dropped my international call. Citibank 's XXXX stated they would no longer respond to my written emails, yet their specialized telephone department ( XXXX ) refuses to cooperate and blocks my legally mandated funds. This is a severe breach of consumer rights and banking regulations.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Sezzle Inc.
State: AZ

Complaint narrative:
COMPLAINT AGAINST SEZZLE INC. FOR UNFAIR, DECEPTIVE, AND ABUSIVE PRACTICES ( UDAAP ) : I am filing a formal complaint against Sezzle Inc. for bad-faith dispute resolution, deceptive consumer messaging, and facilitating merchant fraud. I opened a dispute regarding a predatory merchant transaction ( Order # XXXX ). The merchant executed a hazardous cosmetic service that resulted in severe physical injury ( airway/throat bleeding and pus ) due to extreme negligence by the esthetician when she rubbed a product on my face, covered my eyes with eye protector glasses, then covered my face with some sort of a machine and left the room for about XXXX minutes without checking in on me XXXX time. As soon as the esthetician returned, I immediately told her my mouth and tongue had been itching. She became dead silent for a handful of seconds then asked " are you ok because as soon as I hear a client say they are itching in response to a service provided, it causes concern. '' I agreed with her and she proceeded to remove the product from my face and continue the service. The following day when I woke up my throat was swollen with XXXX and XXXX spots all over both sides of my throat. Furthermore, the merchant committed billing fraud by admitting in writing to a bait-and-switch pricing error and stealing a {$30.00} deposit. I filed a dispute for the charge with Sezzle where they ultimately spoke with the merchant and she advised them she would refund my money. Sezzle reached out to me telling me the dispute was closed on their end because the merchant told them she would refund my money. I reached out to the merchant about the refund and she advised me again that she will only issue a partial refund and in order to get the refund I must sign a waiver waiving all my rights to any future actions against the merchant. I called Sezzle back advising them the merchant will not refund me the full amount and that she's making me sign a waiver to get the refund. During a recorded phone call with a Sezzle representative by the name of XXXX on XXXX, XXXXXXXX XXXX at approximately XXXX AZ time, the Sezzle agent explicitly instructed me NOT to sign the merchants liability waiver. The representative confirmed the call was recorded, stated that I legally did not have to sign away my civil rights to receive a refund, and stated the merchant had XXXX days to refund me or Sezzle would intervene. Sezzle has now completely reversed its position, stating they will not hold the business accountable solely because it was a " service '' rather than a physical product. Sezzle has closed my dispute, forcing me to pay {$460.00} for a fraudulent, physically injurious transaction. Sezzle is actively facilitating merchant coercion by forcing a consumer to choose between a financial loss or signing away personal injury liability. Thank you for your time. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WESTERN ALLIANCE BANCORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I contacted the institution to completely close my account and withdraw my remaining funds. I was informed that because my linked external checking account had changed, I would need to undergo an identity and account verification process via DocuSign, which required me to upload my government-issued ID and bank statements for the new external account. I promptly completed the DocuSign process and uploaded the required identification and official external bank statements. To ensure compliance and expedite the process, I submitted my official external bank statements a second time today, XX/XX/year>. Despite providing comprehensive proof of identity and account ownership, the institution informed me today that I am now required to wait an additional XXXX business days ( XXXX calendar weeks ) solely to " verify '' the external account before my funds can be released. I find this timeline to be entirely unreasonable and a predatory barrier to exiting the institution. The company is currently withholding my funds without legal justification. Even if they require a hold on electronic ACH transfers to the new account, they have entirely failed to offer standard alternative resolution methods, such as issuing a physical cashier 's check mailed to my verified address on file. The institution 's rigid policies are effectively locking up my personal property and causing me financial duress. They have all the documentation necessary to verify my identity and return my money.

Company response to consumer: Closed with non-monetary relief