vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I entered into a XXXX installment agreement with XXXX and XXXX XXXX XXXX ( XXXX ) for XXXX alignment services. I made an upfront payment of {$250.00} and consistent monthly payments of approximately {$89.00} from XX/XX/XXXX through XX/XX/XXXX, totaling multiple payments made in complete good faith. On XX/XX/XXXX, XXXX filed for XXXX XXXX XXXX and subsequently was liquidated under XXXX XXXX. They permanently ceased operations and never completed my contracted XXXX treatment. I was the victim of XXXXXXXX XXXX failure, not the cause of it. Following XXXXXXXX XXXX closure, TekCollect, Inc. contacted me via email attempting to collect an alleged debt of {$1300.00}. I took the following actions to dispute this debt : - I sent a formal debt validation request to TekCollect via email disputing the validity of the debt on the grounds that XXXX breached the contract by failing to complete my treatment. - I filed a CFPB complaint against TekCollect. On XX/XX/XXXX, TekCollect responded stating they would send validation documents. The CFPB closed the complaint as " Closed with Explanation. '' - On XX/XX/XXXX, TekCollect mailed validation documents including a payment history summary from XXXX XXXX XXXX ( XXXX ). - Upon reviewing the validation documents, I discovered a critical discrepancy : XXXX 's own records clearly state " Total Principal Write Off Amount Sent to Collections : {$1000.00} '' - yet TekCollect is attempting to collect {$1300.00}. This is an unexplained and unjustified difference of {$330.00}. - On XX/XX/XXXX, I sent a formal written response to TekCollect via email specifically documenting this {$330.00} discrepancy and demanding a full itemized explanation and immediate credit bureau removal. As of today, TekCollect has not explained the discrepancy, has not justified the inflated amount, has not provided proof of authorization to collect on behalf of a bankrupt company, and this inaccurate collection account continues to negatively impact my credit report. Attempting to collect {$330.00} more than what their own client 's records authorize is a potential violation of the FDCPA, 15 U.S.C. 1692f, which prohibits collecting any amount not expressly authorized by the original agreement or permitted by law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have an account that has reflected on my credit in which I have zero knowledge of the account and need it removed immediately from my credit report. This should have never been reported on my account because I have zero knowledge of this account. I have never had a t mobile account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through Challenge Financial Services for approximately {$14000.00}. I consistently made monthly payments and have calculated {$18000.00} paid towards this loan as of XX/XX/XXXX. This amount exceeds the original loan balance by {$4200.00}. Yet, my most recent billing statement reflects a remaining balance of {$5700.00}. T hroughout the life of this loan, I have never received a billing statement that discloses the original principal amount, my interest rate or APR, how each payment is allocated between principal and interest, or my total amount paid to date. My online account portal provides no additional information beyond what appears on the paper statements. I have calculated my total payments manually using the payment history from my billing statements. In addition to the lack of disclosure, in XXXX of XXXX, I was told by a Challenge Financial Services representative named XXXX that my loan would be paid off in XX/XX/XXXX. That representation was made directly to me during a phone call and I relied on it in good faith. It is now XX/XX/XXXX and my balance remains {$5700.00} with no explanation provided. I am requesting a written explanation from Challenge Financial Services as to why my loan was not paid off within the timeframe their representative communicated to me, and whether that statement was inaccurate or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: UT

Complaint narrative:
I am filing a formal complaint against Block, Inc. ( Cash App ) for a direct violation of my consumer rights under federal Regulation E ( the Electronic Fund Transfer Act ). My Cash App debit card was charged twice without my authorization for transactions labeled as 'XXXX ' on XX/XX/year>. I immediately contacted the merchant, XXXX, who conducted a full database search and confirmed no such transactions exist on their end, proving my card details were fraudulently masked or compromised. I filed a dispute and a subsequent formal appeal with Cash App. Cash App has repeatedly failed its statutory duty under Regulation E to conduct a good-faith investigation into this unauthorized debit card fraud and has refused to return my stolen funds or provide provisional credit. Because Cash App is refusing to cooperate, I am requesting federal intervention to force a full refund of my money. i have not been provided a single reason as to how this is not my fault and why i am not entitled to MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received XXXX letters for XXXX Affirm accounts. am in receipt of your request for additional proof regarding my identity theft claim. However, I have already provided the following documentation : FTC Identity Theft Report filed through IdentityTheft.gov Police Report documenting the identity theft Government-issued identification Proof of current address Written statement identifying the account as fraudulent Please identify with specificity what additional information or documentation you contend is required and the basis for that request. The FTC Identity Theft Report and police report constitute formal reports of identity theft and provide notice that I dispute responsibility for this account. If Affirm believes the account is valid, please provide copies of all records relied upon in making that determination, including but not limited to : Original application records Identity verification records IP address logs Device fingerprinting data Email addresses associated with the application Phone numbers associated with the application Transaction records and merchant information Payment history and linked bank account information Any documents bearing my signature or authorization At this time, I have not been provided any evidence demonstrating that I opened, authorized, or benefited from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: GA

Complaint narrative:
On XX/XX/XXXX third party merchants KLARNA took {$52.00} from without providing/sending my good/service Canceling my order same day. I called XXXX XX/XX/XXXX I was advised to cancel and repurchase but that never worked. Instead They labeled it a return and continued to ask me for a return confirmation. Thats was of course not possible. The Merchant advised the only have 3 attempts to help me if the cant reslove it after that, they will just proceed to take my money. I sent the merchant 20-26 screenshots correspondence showing cancellation and no orders received hard Evidence. Yet Klarna still denying me my Refund. Klarna processed to withdraw {$14.00} from my XXXX two time on XX/XX/XXXX and XX/XX/XXXX. I called my bank to advise an unauthorized transaction via KLARNA. Sent my back XXXX the same correspondence and they have yet to review them. XX/XX/XXXX i call my bank to report the {$14.00} as unauthorized charges. XXXX Oddly approved them and sent me a new card. Went to KLARNA app to remove all cards but the old XXXX card they have on file. Today XX/XX/XXXX I've called my banks Dispute team to get and updated and see how on XX/XX/XXXX KLARNA was still about to charge my Old XXXX the day after I activated the XXXX XXXX. XXXX could not tell me how. In fact i spoke to 4 different representatives today and they all hung up on me when they pit me on hold 2 hours of no resolve. This complaint is to say both XXXX and Klarna are working in tandem to Steal money from my account even with new updated to my bank card Klarna is accessing funds without authorization and XXXX is Allowing it in total they have taken {$110.00} which is not even the cost of the original transaction which was {$97.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A crypto account was activated on my account without my approval. Agent refused to close. I did not authorize for this crypto account to be opened under my name. Please close my crypto account. Or I will be forced to escalate this. Because there was no crypto account and it was closed. There was only a checking account. This means that someone from PayPal made my crypto account without my permission. This means PayPal intentionally did this. I need this fixed please or I will take this to the media and to court. Please close my crypto account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
In XXXX the city of XXXX sent out tax bills in error ( I have a veterans exemption. The city also sent the tax bill to Rocket. Mortgage. Rocket Mortgage paid the tax bill and opened an escrow account without my permission. I have 2been working to get this resolved since early XXXX and it is now XXXX and it is still not resolved. It has been escalated at least three times and it is still not resolved. The only information that I was able to get is that the check clearw in XXXX. I have requested a dedicated contact person on XX/XX/year> along with all issue notes on this item and I have not received either of these requests

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding an alleged debt being reported by Jefferson Capital Systems , LLC in the amount of {$5200.00}. After reviewing my credit report, I discovered a collection account allegedly associated with XXXX XXXX. I have never obtained a loan, opened an account, or otherwise conducted business with XXXX XXXX. As a result, I immediately disputed the debt. I sent written requests to Jefferson Capital Systems , LLC at the address listed on my credit report requesting validation and verification of the alleged debt. Specifically, I requested : A signed contract or service agreement bearing my signature ; Proof that I legally incurred or agreed to the alleged obligation ; Documentation establishing Jefferson Capital Systems , LLC 's ownership or legal assignment of the debt ; A complete chain of title from the original creditor ; A full itemized accounting and payment history supporting the balance claimed. Despite my requests, I have not received any documentation verifying that I owe this debt. I have also contacted XXXX XXXX directly and was informed that I would need to address the matter with the collection agency reporting the account. Because I have never had an account with XXXX XXXX and because Jefferson Capital Systems , LLC has failed to provide documentation demonstrating that I am legally responsible for the alleged debt, I believe this account is inaccurate and should not be reported on my consumer credit reports. I am requesting that Jefferson Capital Systems , LLC provide competent evidence that I am the person responsible for this debt or, alternatively, remove the account from all consumer reporting agencies. I also request that the company investigate the accuracy of the information being reported and cease reporting information that can not be properly verified. I am seeking correction of my credit report and removal of this inaccurate collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX I received a payment from one of my merchant nothing unusual. On XX/XX/XXXX of XXXX I tried paying one of my vendors. This payment was not completed and the account was froze after. Ive reached out a couple of times, I always get Compliance will reach out to you shortly On XX/XX/XXXX of XXXX I reached out again and the response was thank you for following up, and I apologize for the delay here. Our team is still awaiting a resolution from our banking partner here. I have kept this ticket open and am push our Compliance team and banking partner for an update in this regard. I will follow up with you as soon as an update has been provided to our team thats exactly what was in the email and I never heard from anyone. Were one month away from this becoming a year worth of headaches

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I wrote your company on XX/XX/year> regarding some pressing issues that have been affecting my life. This is my first attempt to resolve this matter without further escalation. I was denied recently for a {$1000.00} credit card. Even the most basic of necessities are out of reach for my family, due to things being reported by your company. I dont want to escalate things further, I just want a swift resolution. Please refer to my letter, as it has all of the details explaining the issue. Thank you for professional attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 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: NV

Complaint narrative:
There was a fraudulent cash advance in XX/XX/XXXX of XXXX. I was never notified but the cash advance was caught and credited incorrectly. I contacted Chase XXXX card in XXXX, XXXX, XXXX, XXXX and XXXX. All times they assured me that my issue would be resolved. They agree I should not have a cash advance balance. Whoever originally did the refund did not credit the cash advance the fraud was done on but rather the purchase transactions. Chase charges a higher interest rate for cash advances so they have been benefitting while stringing me along for 6 months now. I have been told multiple times that it was escalated and supervisors have escalated all of which seems to have only made it worse. In XXXX when I called they finally did some adjustments but instead of my cash advance balance being lower or non existent as it should have been they reset it to the original amount. So coincidentally enough they could figure out how to reset and charge more but couldn't get it properly fixed, just furthering proof of their incompetence and willingness to XXXX their customers. I called in XX/XX/XXXX and told them I would give them one more opportunity to resolve this and they told me a supervisor escalation was done and it would be XXXX days. It has now exceeded those XXXX days and I am tired of giving this multi-billion dollar company more time to take advantage of people in the middle of a terrible economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX Made contact by phone to inform this creditor that this account reflects two different balances on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CA

Complaint narrative:
I am filing a formal complaint against Fair Collections & Outsourcing ( FCO ) for blatant and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding unverified duplicate reporting and a failure to investigate within the statutory timeframe. The original creditor, XXXX XXXX, dual-assigned a single alleged rental debt of {$6600.00} to two separate collection agencies simultaneously : FCO and XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a formal dispute via certified mail and email to FCO, providing clear credit report evidence of this illegal dual-reporting conflict. I requested explicit validation proving that FCO holds the exclusive, lawful right to collect this debt and confirmation that XXXX had relinquished its claim. The 30-day statutory investigation window under Section 611 of the FCRA has expired. On XX/XX/XXXX, I spoke with an FCO representative and a supervisor who both explicitly admitted on the phone that they can not verify exclusive ownership of the debt because they are waiting for their client to respond. They falsely claimed that the 30-day investigation window does not apply because the account was placed with their office in XXXX, deliberately confusing FCRA dispute rules with FDCPA initial validation periods. The supervisor openly stated that they would willfully keep the unverified, duplicate tradeline on my credit report indefinitely until their client decides to reply. Under the FCRA, if an item can not be verified within 30 days, it must be immediately deleted. FCO is violating federal law by keeping an unverified collection account on my credit profile despite admitting their client has not responded to confirm their exclusive right to collect. I demand that the CFPB compel FCO to immediately delete this trade line in its entirety.

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 2026-06-01 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: IL

Complaint narrative:
I am filing a complaint against JPMorgan Chase for a denial of consumer protection rights under XXXX XXXX XXXX. I purchased a XXXX XXXX that was officially declared an immediate fire hazard by the U.S. Consumer Product Safety Commission ( CPSC Warning XXXX ) on XX/XX/year>. The government has instructed consumers to stop using the bike and destroy the battery, rendering the item valueless. The manufacturer has refused to cooperate with a recall. This constitutes a latent product defect under Visa Dispute Condition XXXX. Under network guidelines, my XXXX dispute clock completely reset to the Date of Discovery ( XX/XX/XXXX ), and the transaction falls well within Visas absolute XXXXday network cap for hidden defects. Chase XXXX reps are erroneously claiming that Date of Discovery rules only apply to counterfeit goods. I am requesting Chase Corporate to perform a manual XXXX override, bypass the front-line agent system block, and issue a statement credit for this illegal, hazardous merchandise. am filing a complaint against JPMorgan Chase for a denial of consumer protection rights under Visa Network Rules. I purchased a XXXX XXXX that was officially declared an immediate fire hazard by the U.S. Consumer Product Safety Commission ( CPSC Warning XXXX ) on XX/XX/year>. The government has instructed consumers to stop using the bike and destroy the battery, rendering the item valueless. The manufacturer has refused to cooperate with a recall. This constitutes a latent product defect under Visa Dispute Condition XXXX. Under network guidelines, my XXXX dispute clock completely reset to the Date of Discovery ( XX/XX/XXXX ), and the transaction falls well within Visas absolute XXXXday network cap for hidden defects. Chase XXXX reps are erroneously claiming that Date of Discovery rules only apply to counterfeit goods. I am requesting Chase Corporate to perform a manual XXXX override, bypass the front-line agent system block, and issue a statement credit for this illegal, hazardous merchandise.

Company response to consumer: Closed with explanation