vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I was applying for a home loan when I noticed {$1000.00} collections on my credit report. I am not familiar with the company Fair Collections and Outsourcing.I have sent debt validation letters and a dispute letter but have not received a response from the company. This is not my debt and I would like for the collection to 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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
My balance was {$340.00}, made a payment of {$300.00}, the site now says I owe {$54.00}, I call and ask and they state its {$7.00} of interest and service fees when the card stated only pay an annual fee when signing up for the card. Either I pay and annual fee or a monthly fee. They are not willing to waive anything or provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In complaint XXXX with CFPB I had requested that extra payment be paid towards principal. Again with XXXX payment, extra payment was not paid to principal. I have asked them to do this every month since they assumed my loan ( XXXX of last year ) addition to the complaint filed with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 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 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

This debt was removed from credit report in XXXX and has now been sold to a new agency and put back onto my credit report as of XX/XX/XXXX. This is a violation of fair credit reporting and I will seeking an attorney to represent me in civil court.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding TD Banks handling of my XXXX daughters checking account. 

When the account was opened, TD Bank staff represented to us that this was a XXXX  checking account and that it would be fee-free due to my daughter being a XXXX. Despite this, TD Bank assessed a XXXX XXXX monthly maintenance fee to her account. The assessment of this fee caused her account to go into a negative balance solely due to bank-imposed charges, not because of any spending activity. 

After discovering the fee, I contacted TD Bank and requested that : - The account be properly classified as a fee-free XXXX/XXXX  account, and - The XXXX XXXX monthly maintenance fee be reversed. 

TD Bank refused to make the account fee-free and did not correct the fee assessment, despite the account holder being a XXXX  and despite the representations made at account opening. 

Charging monthly maintenance fees to a XXXX  account that was explicitly represented as a XXXX  and fee-free account is misleading and unfair. It creates financial harm to a XXXX  and places the burden of bank errors or misclassification onto the customer. 

Resolution Requested : - Immediate refund of the XXXX XXXX monthly maintenance fee ( and any other fees assessed ) - Correction of the account classification to a fee-free XXXXXXXX checking account - Written confirmation that no monthly maintenance or service fees will be charged to this account going forward - Review of TD Banks practices regarding the marketing and setup of XXXX checking accounts Thank you for your attention to this matter. I am requesting CFPB assistance in resolving this issue with TD Bank Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD 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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of an unauthorized transaction on my checking account. 

On XX/XX/2026, I reported that my Bank of America account had been compromised and an unauthorized XXXX XXXX transaction in the amount of {$1600.00} was processed from my account. 

Bank of America representatives advised me that I would receive a provisional credit within XXXX hours while the claim was investigated. That timeframe was not honored. 

When I followed up, I was told the delay was due to XXXX XXXX and that the provisional credit would not be issued until XX/XX/2026. This is not acceptable given how quickly I reported the fraud and the fact that I was originally promised a much faster resolution. 

I am requesting that Bank of America : 1. Issue the provisional credit immediately for the {$1600.00} unauthorized XXXX XXXX transaction, and 2. Provide written confirmation of my claim status, the investigation timeline, and the reason the original XXXX hour promise was not honored. 

Bank of America has provided inconsistent timelines and I have been left without access to funds due to fraud, despite promptly reporting the unauthorized activity.

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 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
On XX/XX/year>, I opened a dispute with Klarna regarding a purchase from XXXX  XXXX XXXX that was marked delivered but never received. I contacted the merchant as instructed and was told to contact my bank. 
My bank processed a chargeback due to non-delivery. I provided Klarna with proof of non-delivery and documentation showing that I reported the issue to the merchant. 
The dispute has remained under review since XX/XX/year>. Klarna has not provided a resolution timeline. The unresolved investigation is now restricting my purchase power and preventing me from using my Klarna account, despite the balance being marked as paused and a refund in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A subcontractor was working on a bathroom renovation for me and told me that he would not complete the job until he got {$1000.00}. I sent the {$1000.00} via XXXX and the guy left the job site shortly after I sent him the money and I havent heard from him again. I was at work but my mother was at the house and told me the guy left. I called and left him a text message. And I never heard back from him. I was scammed for sure!

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Formal Dispute and Request for Deletion I am disputing the XXXX XXXX account due to violations of federal consumer law. 

This account has been furnished without required validation disclosures under 12 CFR 1006.34 ( b ) ( 5 ) and without providing a proper opportunity to dispute as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnishing this account without lawful authority constitutes misrepresentation under 15 USC 1692e.

Under 15 USC 1681e ( b ) and 15 USC 1681s-2, unverifiable accounts must be removed from consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX - XX/XX/year> XXXXXXXX XXXX for a hotel Confirmation # XXXX XXXX stated on confirmation and Can be Cancelled until XXXX the day before arrival. We proceeded to cancel since we were unable to get direct flights from XXXX to XXXX and advised the XXXX of the Hotel in writing, meeting their terms and cancellation conditions. 

XXXX - XX/XX/year> @ XXXX we went online to cancel res in accordance to their cancellation policy XXXX, see page # XXXX with date stamp and Conf #. 
XXXX - XX/XX/year> XXXX We wrote a letter to the XXXX XXXX XXXX XXXX XXXX and explained to him his system states our Res/Confirm # does not exist and respectfully requested this to be cancelled and stated we will call in to confirm ( see attached proof of cell record calls ). 
XXXX - XX/XX/year> Chase Bank XXXX XXXX then charged XXXX {$420.00}, far more then even the original conf ( see Page XXXX ) confirmation and agreed temp deposit. 

XXXX - XX/XX/year> We disputed the charge and the Bank replied with new increased charges from Chase Bank XXXX XXXX Credit Card for {$420.00} and they denied our claim in writing a couple months later. 

XXXX - XX/XX/year> we escalated the matter and wrote to Chase XXXX XXXX to escalate the matter with attached pg XXXX letter clearly stating the original conf with terms and our proof we made XXXX attempts, ( XXXX, XXXX to XXXX Letter, 3- to Chase Exec Office, and they denied is simply stating it is charged back due to non-cancellation, which we provided complete proof. 

Our claim is justified with proper documentation from the XXXX Website and we provided honest and sincere and proper attempts to resolve a common simple cancellation. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: WV

Complaint narrative:
This is a military card. My spouse was in the military and opened this card. I am needing to see proof of MY SIGNATURE. This company is charging me so much money in interest and late fees. I can not pay this debt and my tax return has been taken for years. They have not given me proof that I opened this card on my own. They do not provide me with proof of the 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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
RE : PRO COLLECT Account # XXXXXXXX XXXX XXXX Amount : {$200.00} Status : Paid in Full Creditor : ProCollect , Inc . 

To Whom It May Concern, I am filing a formal complaint and dispute regarding the above referenced collection account currently reporting on my credit file.

This debt was PAID based on explicit representations made by ProCollect , Inc. that upon payment they would request removal of the collection from my credit reports for me and all involved parties.

I relied on that representation in good faith and proceeded with payment.

ProCollect subsequently issued a Paid in Full letter which clearly states : Any derogatory credit reported by ProCollect , Inc. on this account will be adjusted. PC1 Letter ( 2 ) However, instead of removing the account as represented, they merely updated the balance to {$0.00} and continue reporting the coll
ection as a derogatory tradeline.

This is a material misrepresentation and a violation of multiple federal statutes.

LEGAL BASIS 1 FDCPA Violations 15 U.S.C. 1692e ProCollect made a false, deceptive, or misleading representation regarding the effect of payment on credit reporting. 

Representing that derogatory reporting would be adjusted/removed to induce payment, and then failing to do so, constitutes : False representation of the character and effect of payment Deceptive collection practice Misleading communication in connection with debt collection This violates 1692e.

2 FDCPA Unfair Practices 1692f Accepting payment under the premise of removal and then refusing to follow through is an unfair and unconscionable means of debt collection.

3 FCRA Violations 15 U.S.C. 1681s-2 ( a ) A data furnisher may not report information they know or should know is inaccurate or misleading.

Once payment was made under agreed removal terms, continuing to report the account as a derogatory collection without proper notation constitutes misleading reporting.

4 FCRA 15 U.S.C. 1681s-2 ( b ) After dispute, the furnisher must : Conduct a reasonable investigation Review all relevant information Correct inaccurate reporting Failure to honor the written representation in their own paid letter demonstrates lack of reasonable investigation.

5 Promissory Estoppel / Detrimental Reliance Payment was made specifically in reliance on the promise of credit adjustment/removal. 

The consumer would not have paid otherwise. 

This constitutes detrimental reliance and bad faith collection behavior. 

ADDITIONAL ISSUE The tradeline is being reported inconsistently and misleadingly : Paid Collection Derogatory Remains visible If the debt is satisfied and the agency committed to adjusting derogatory reporting, continued reporting as a collection is deceptive and punitive.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by L J Ross Associates. 

I have an active payment arrangement on this collection account and have been making payments as agreed. Despite this, the company continues to update the account monthly in a manner that reflects ongoing delinquency and re-ages the debt. 

This reporting is misleading and harmful because it makes the account appear newly past due each month rather than accurately reporting the true status of the account under a payment agreement. 

Under the Fair Credit Reporting Act, a furnisher of information is required to report accurate information and may not continue to report an account as newly delinquent while payments are being made under an agreement.

I am requesting that L J Ross Associates : 1. Correct the reporting to accurately reflect the payment arrangement and stop re-aging the account, OR 2. Delete the account entirely from all credit reporting agencies if they can not properly verify accurate reporting. 

I have attached proof of my payment arrangement and payment history. 

I am seeking resolution because the inaccurate reporting is significantly impacting my creditworthiness despite my efforts to resolve the debt responsibly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$5000.00} to XXXX XXXX through PayPal as a personal payment between friends. The payment was sent with a heart emoji and designated as a friends and family-type transfer, not as a purchase of goods or services. Due to PayPals transaction and withdrawal fees, {$130.00} was deducted, and the total amount charged to me was {$4900.00}. This transaction is documented in my PayPal records. The funds belonged entirely to me and the payment was authorized. 

After further discussion by phone on XX/XX/year>, XXXX XXXX and I agreed that he would keep {$1000.00} and return {$4000.00} to me. He voluntarily sent back {$4000.00}, which is documented in PayPal transaction records. We also confirmed this refund through phone and message communication. 

After sending back the {$4000.00} as agreed, XXXX XXXX filed an Item Not Received dispute and represented that the payment was for a rose gold XXXX  link chain. This was false. No merchandise was ever sold, shipped, or involved in this transaction. 

Despite the documented refund and the fact that no item existed, PayPal classified the case as an item not received claim and ruled in the buyers favor due to lack of shipping documentation.

Because this was a personal peer-to-peer transfer and not a goods transaction, there was no shipping information to provide. The dispute classification did not reflect the true nature of the transaction.

As a result, PayPal removed {$3800.00} from my account ( the net amount tied to the {$4000.00} refund after fees ) and charged an additional {$15.00} dispute fee, even though the funds had already been returned voluntarily under our agreement. 

I contacted PayPal support, requested clarification, and asked for a manual review and supervisor escalation. I was informed that the case was closed and could not be appealed through the system. I was not provided a clear explanation as to why the documented refund and misrepresentation were not properly reviewed. 

I am requesting a formal review of this dispute classification, reconsideration of the decision, and reimbursement of the removed funds and dispute fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 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: Global Lending Services LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by { GLBLNDSVCS ) in connection with a vehicle repossession being reported on my consumer credit file. 

Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline. 

Specifically : * The account is being reported with inaccurate and/or inconsistent information, including but not limited to the Date of First Delinquency, account status, and balance. 
* The furnisher has verified the account without providing documentation demonstrating a reasonable investigation as required under FCRA 623 ( b ). 
* No proof has been provided showing lawful repossession authority, required pre- or post-repossession notices, or compliance with applicable state law. 
* No evidence has been provided that any vehicle disposition was conducted in a commercially reasonable manner as required under UCC Article 9. 
* The continued furnishing of this information is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), as the information can not be verified as accurate or complete. 

I requested, but did not receive, copies of the original retail installment contract, repossession authorization, required notices, sale documentation, or a post-sale accounting supporting any alleged deficiency balance. Without this documentation, the continued reporting of this account is inaccurate and harmful. 

The failure to conduct a reasonable investigation and the continued reporting of unverified information violates the Fair Credit Reporting Act and has caused ongoing damage to my credit profile.

Company response to consumer: Closed with explanation