vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
am submitting this complaint against Jefferson Capital Systems , LLC regarding their failure to comply with federal debt collection and credit reporting laws. 
Jefferson Capital Systems is attempting to collect an alleged debt that I formally disputed. On XXXX, I sent Jefferson Capital a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite receipt of my request, Jefferson Capital failed to provide proper validation of the alleged debt.

Instead of validating the debt, Jefferson Capital continued collection activity and continued to report and/or verify this account with consumer reporting agencies. This conduct violates the FDCPA, including but not limited to 1692g ( b ) ( continuing collection without validation ) and 1692e ( false, deceptive, or misleading representations ). It also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by furnishing inaccurate and unverified information to credit bureaus.

I sent a follow-up Notice of Violations providing Jefferson Capital a final opportunity to cure these violations. Jefferson Capital has still failed to provide legally sufficient validation or correct its reporting.

As a result of Jefferson Capitals actions, inaccurate information continues to appear on my credit reports, causing financial harm and emotional distress. 
I am requesting that Jefferson Capital Systems , LLC : Immediately cease all collection activity on this account Permanently delete the account from all consumer reporting agencies Provide written confirmation that the matter is closed I am requesting CFPB assistance to ensure Jefferson Capital Systems complies with federal law and corrects the harm caused by its unlawful conduct. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Between approximately late XXXX and XXXX, an individual we trusted through our church community fraudulently used my and my husbands credit cards without authorization. 

On or around XX/XX/XXXX, he instructed us to use our personal credit cards to show a temporary investment for an XXXX visa application and promised the money would be returned within one week. Instead, he conducted cash advances, failed to return two credit cards, and later accessed my husbands credit card account without permission. He ordered an additional card under another persons name and used it repeatedly.

Over approximately six weeks, about {$50000.00} in charges were made on our credit cards. The transactions included clear personal expenses ( such as food delivery services ) and were not legitimate business expenses. We did not authorize these charges.

When confronted, he attempted to repay the money by scheduling bank transfers, but all payments failed due to insufficient funds. He repeatedly made false excuses and provided misleading information.

In a recorded phone call, he admitted that : He used our credit cards for personal expenses He lied about the purpose of the charges He impersonated other individuals using different phone numbers No immigration or visa applications were ever filed We promptly reported the unauthorized transactions to XXXX  and Bank of America and submitted extensive supporting evidence, including transaction records and admissions of fraud. Despite this, both banks denied our fraud claims and informed us that we are responsible for repaying the charges. 

As a result, we are facing approximately {$55000.00} in financial loss, along with significant emotional XXXX, despite clear evidence of unauthorized use and fraud.

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 monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Account has been illegally re-aged. Date of First Delinquency is inaccurate. This account was previously removed and reinserted with a newer delinquency date, in violation of the FCRA. 

Account was removed then Account was reinserted without proper consumer notification. 

This account is reporting twice and contains an incorrect Date of First Delinquency. The account was previously deleted after a dispute and later reinserted with altered information, which constitutes illegal re-aging. Additionally, duplicate reporting of the same debt is inaccurate and misleading. I was not notified of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). Please delete all instances of this account immediately. 

This Jefferson Capital Systems collection account is reporting twice and contains an incorrect Date of First Delinquency. The account was previously deleted after a dispute and later reinserted with altered information, constituting illegal re-aging. Duplicate reporting of the same debt is inaccurate and misleading. I was not notified of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). Please delete all instances of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CT

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX To Whom It May Concern, I am submitting this letter as a formal complaint regarding the actions of a collection agency, which have caused me significant emotional distress and financial hardship. 

Despite my efforts to address this matter responsibly and in good faith, I have experienced repeated and distressing collection practices, including persistent contact, undue pressure, and conduct that I believe to be excessive and inappropriate. These actions have resulted in severe stress and anxiety and have negatively affected my emotional well-being, daily life, and ability to function normally. 

In addition, the manner in which this account has been handled has contributed to financial hardship. The collection practices employed have interfered with my financial stability and caused additional strain beyond the original obligation. Rather than facilitating a reasonable resolution, the conduct of the collection agency has exacerbated my situation. 

I believe that collection agencies are required to conduct their activities in a fair, respectful, and lawful manner. Based on my experience, the conduct described above may constitute unfair, deceptive, or abusive acts or practices and may violate applicable consumer protection laws and standards governing debt collection. 

I am requesting that the Consumer Financial Protection Bureau review this complaint, require a response from the collection agency, and take any appropriate action to ensure compliance with consumer protection laws. I also request that any improper collection activity cease and that I receive written clarification regarding the handling and status of this account. 

This letter serves as formal documentation of my complaint and the harm I have experienced. I am prepared to provide supporting documentation upon request. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: WA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CCD BNKCD SETTLE PCI Compliance Keeps Billing Me Every Month, Through XXXX XXXX I Do Not Have A XXXX ACCOUNT EITHER, Please Reverse All Their Charges & Return All Monies To Me & Others, They Are Going To Bankrupt Me. The Nortenos Declared War On Me For Discovering Them At XXXX XXXX XXXX XXXX XXXX  XXXX I Have cases At XXXX XXXX XXXX  XXXX. XXXX XXXX Owes Me Monies From XXXX From XXXX XXXX XXXX XXXX. Request I Request A XXXX XXXX  XXXX On XXXX XXXX, XXXX XXXX Managers, & Request A Reverse On All The payments They made To My Accounts, The Two Bank Accounts Are The original Same Ones. I Paid The Bank Fees To Reverse But They Refused, Because It Would Discover Their Illegitimate Accounts Through XXXX Application.

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 2026-02-02 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: GA

Complaint narrative:
I have had this issue with Jefferson Capital System with them putting fraudulent information on my credit report for the last couple of years trying to get me to pay for something that is not mine. I got a notification that a new collection was added on my credit report so I looked at my credit report and saw it was from Jefferson Capital System playing around with my credit report by putting the same fraud account that already on there from when they put it on there ever since 2025 but now it's showing I have XXXX collection account from them that's the same and what they did was updated as if they just put those accounts on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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 a complaint against TransUnion for failing to properly investigate and correct inaccurate information on my credit report. 

TransUnion is reporting two identical collection accounts from XXXX XXXX XXXX XXXX in the amount of {$210.00} each. These appear to be duplicate entries for the same alleged debt. 

I do not recognize this debt and have never received validation from the collector. No documentation has been provided showing that I owe this amount. 

Despite this, TransUnion marked the accounts as verified without providing any evidence that a reasonable investigation was conducted. 

Simply relying on the collectors confirmation does not meet the requirements of the Fair Credit Reporting Act. 

By allowing duplicate and unverified information to remain on my credit report, TransUnion is reporting inaccurate and misleading data that is harming my credit profile. 

I am requesting that TransUnion conduct a proper investigation and immediately delete these inaccurate and duplicate accounts.

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 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
someone hacked into my account and when I went through Chime, they said that there was nothing they could do about it. The person took over {$130.00} out of my account unauthorized. I do not know who this person is that took my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: LA

Complaint narrative:
This complaint concerns retaliatory and improper credit reporting by PNC Bank, N.A. involving the bifurcation of a single disputed credit card account during active CFPB complaints. 

After a returned payment on XX/XX/XXXX, PNC closed my secured credit card account on XX/XX/XXXX without providing a reasonable opportunity to cure and relied solely on delayed XXXX notices, despite a multi-year history of on-time payments. PNC then applied my security deposit on XX/XX/XXXX. 

While two CFPB complaints regarding this account were pending, PNC fragmented the account into two adverse mechanisms : ( 1 ) a Profit and Loss write-off applied to the primary balance ( ~ {$540.00} ), and ( 2 ) preservation of a separate {$25.00} amount treated as a new past due obligation, evidenced by a letter dated XX/XX/XXXX, stating the account was 4 days past due. PNC executed " ( 1 ) '' on or about XX/XX/XXXX according to Transunion records. 

The letter indicates that the {$25.00} amount was assessed on or about XX/XX/XXXX, documented by PNC on XX/XX/XXXX, mailed on XX/XX/XXXX, and received by me on XX/XX/XXXX. That means it was created more than two weeks prior to the CFPB responses submitted on XX/XX/XXXX by PNCs Executive Client Relations employee, XXXX XXXX. 

This bifurcation misrepresents the accounts status, creates sequential credit harm from a single disputed event, and serves no consumer-protection purpose after closure and security-deposit application. The timingduring protected regulatory activityconstitutes retaliatory credit reporting. 

Additionally, the same Executive Client Relations employee ( XXXX XXXX ) responded to both CFPB complaints, including one naming her conduct, raising concerns regarding the independence and integrity of PNCs complaint review process. For example, in PNC employee XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX CFPB responses ( see attached ), she conveniently inserts several dates of various occurrences but somehow omits the date my XX/XX/XXXX payment was returned, which was XX/XX/XXXX. The same day their XX/XX/XXXX Notice of returned payment letter ( see attached ) was created. 

I request supervisory review of PNCs credit reporting practices, dispute handling, and internal controls, and correction or suppression of adverse reporting pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I contacted Cash App multiple times via in-app support, phone call, and email requesting investigation details and reimbursement under Regulation XXXX My claim was denied without providing documentation or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
Filed disputes on XX/XX/year> and XX/XX/year> for unauthorized foreign transactions. Provided a police report on XX/XX/year> and i get no response. They said if i sent letter of dispute and provided police report i would be eligible for provisional credit. Dispute # XXXX and # XXXX

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 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SD

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX U.S. Code XXXX ( XXXX ) XXXX  collectors are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. I have been trying to get Navy Federal to give me access to my checking and savings account but they refuse. They tell me that the accounts are inactive but I receive a statement every month saying otherwise. I try to appeal their decision and they still dont let me use them. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SD

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX U.S. Code XXXX ( XXXX ) XXXX  collectors are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple ACH and debit card transactions that were allowed to process after I had already locked my card and contacted the merchants to cancel authorization. 

Despite my card being locked, PNC Bank permitted ACH and debit transactions to go through, including a charge from XXXX XXXX in the amount of {$23.00}. This action was taken without my authorization and without my consent. 

It is not the role or discretion of PNC Bank to determine which merchants should or should not be paid once a card has been locked and authorization has been revoked by the account holder. Allowing these transactions to process after the card was locked and after I contacted the merchant directly is unacceptable and a failure of basic account protections. 

I am formally requesting that * * all ACH debit and debit card transactions processed after my card was locked be fully reworked and reversed * *, including but not limited to the XXXX XXXX charge of {$23.00}. 

If these transactions are not promptly corrected, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and escalate this matter through all available regulatory and legal channels. 

Please confirm in writing that these disputed transactions are being reviewed and reworked immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation