vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Hello, My name is XXXX XXXX, and I am submitting this complaint regarding Jefferson Capital Systems , LLC. XXXX XXXX is attempting to collect and/or report a debt under my name that I do not owe, and they can not legally collect on this account. 

I have never entered into any business relationship or agreement with XXXX XXXX. Further, this alleged account was previously sold and paid by the prior debtor before XXXX XXXX became involved. I do not owe XXXX XXXX any money, and their collection activity appears improper and unverified. 

In addition, XXXX XXXX has failed to provide appropriate documentation validating that I am the responsible party or that XXXX XXXX has lawful authority to collect this debt. I have not been provided with any signed contract, complete chain of title, assignment documentation, or proof showing I am obligated for the amount being claimed. 

This matter is causing harm to my credit profile and financial standing. I am requesting the CFPBs assistance to investigate and require XXXX XXXX to stop collection and correct reporting immediately. 

I am requesting resolution including : Immediate cessation of all collection activity on this account. 

Written proof that XXXX XXXX has legal standing to collect this debt, including a complete chain of title and assignment documentation. 

Full validation of the debt, including any signed agreement bearing my signature and an itemized breakdown of the balance. 

Written confirmation from XXXX XXXX that the account has been closed and will no longer be pursued or reported. 

Company : Jefferson Capital Systems , LLC Issue Type : Attempting to collect a debt not owed / inaccurate credit reporting / failure to validate debt Thank you for your assistance and prompt attention to this matter. Please contact me in writing with confirmation of your receipt of this complaint and updates regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Great American Finance Co
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and verifiability of the above-referenced account currently appearing on my credit report. This account is being reported as charged off with a balance of {$1000.00}, despite being listed as closed, and reflects inconsistent and misleading information regarding balances and past-due amounts. I dispute that this account has been reported in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically : The reported balance conflicts with the charged-off amount. The account continues to reflect monthly delinquencies after charge-off. The information has not been properly verified with competent evidence. Under 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to ensure maximum possible accuracy and to delete information that can not be fully verified. If complete documentation can not be producedincluding the original signed contract and a full itemized payment historyI am requesting this account be permanently deleted from my credit file. Please complete your reinvestigation within the time allowed by law and provide written confirmation of the results. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
nobody wants to give me the money back, ive been on call for XXXX hours! i got scammed and they said its my fault even tho its not!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
None of my complaints I have submitted through CFPB have been addressed. The first one I submitted you requested 60 more days to research. That was XXXX. I never received any information back from Mohela. I have saved every message, email, complaint, and response. It is very detailed showing that I made the 120th payment on my loans that qualify for PSLF in XXXXXXXX XXXX XXXX I have now paid 137 payments with a record of all payments. I have submitted multiple ECF from my qualifying employer that have not been reviewed in over a year. I have submitted a request for forbearance and was denied by Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I had some fraudulent activity and contacted my bank, SoFi. They have for the last two weeks, hijacked my funds and keep telling me one more day. I confirmed my identity at least 6 times and there is always another problem and they say one more business day. I am afraid I will not get my funds released. I have bills to pay and they don't seem to care AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Devon Financial Services, Inc.
State: DC

Complaint narrative:
I am writing regarding my account which was reported as a charge-off to XXXX This account was opened solely as part of the XXXX XXXX XXXX XXXX XXXX XXXX. I had no access or control over this account, and the banks investigation confirms that the transactions consisted only of incoming rent subsidy payments from XXXX and outgoing payments to XXXX XXXXXXXX rental property. This account was never used for personal banking purposes, and I had no knowledge of any balance or the charge-off. 

XXXX XXXX XXXX has accepted full responsibility and paid the charged-off balance in full. Despite this, the charge-off listing nearly {$1000.00} remains on my XXXX report XXXX preventing me from opening even a basic checking or savings account. As a XXXX XXXXXXXX XXXX XXXXXXXX striving to improve my financial stability, this is creating severe hardship and unfairly restricting my access to essential financial services. 

I am requesting, as a goodwill adjustment, that XXXX XXXX XXXX immediately remove this charge-off from XXXX, or at minimum update the account to reflect that the balance has been paid in full and was not my responsibility. Under XXXX  regulations, negative items that are inaccurate, unverifiable, or misrepresent responsibility can and should be removed. Since I am not liable for this debt, continued reporting of this charge-off is unjust and detrimental. 

Attached is documentation proving XXXX XXXX XXXX paid the account in full. I respectfully request your prompt assistance in removing this entry so that I may access banking services and continue rebuilding my financial foundation. 

Thank you for your time, attention, and understanding. I am happy to provide any additional documentation if needed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had multiple deferred-interest promotional plans on my XXXX XXXX through Comenity Bank XXXX One plan expired without clear notice. I called customer service to pay off the plan and interest charge immediately, but both times agents admitted there is no way to pre-allocate payments to a particular plan and that any payment amount might be applied to other plans. This prevents me from paying off the balance even when I want to. I was charged {$330.00} in retroactive interest due to this opaque system. I am requesting written confirmation that if I pay off this deferred-interest promotional pan, the entire amount will be applied to this plan immediately and confirmation will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: CA

Complaint narrative:
I keep getting text messages from Unifin in regards to a debt. When I click the link in the message I get redirected to there website. Once there, a message pops up asking if im XXXX XXXX. I click the no button and nothing happens. I tried calling the phone number included in there messages. I explained the issue and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I am the owner of XXXX XXXX XXXX, XXXX, an American Express merchant. A cardmember initiated a {$50000.00} chargeback alleging that no goods or services were provided and/or that work was deficient. This statement is factually incorrect. 

The payment was made pursuant to signed contracts for landscape design and installation services. Work commenced, labor and materials were provided, invoices were issued, and the client formally terminated the contract only after performance had begun. We maintain signed agreements, site records, photographs, invoices, and a termination notice documenting the work performed. 

Despite submitting this documentation, American Express allowed the chargeback to proceed without meaningful merchant review or communication. We have contacted American Express and our processor ( QuickBooks Payments ) more than XXXX times requesting a case number, escalation to Merchant Dispute Operations, assignment of a supervisor, and confirmation that our evidence was reviewed. No case XXXX or substantive response has been provided. 

This matter is not a workmanship or satisfaction dispute. It involves a cardmembers material misrepresentation that services were not provided. Once placed on notice of such misrepresentation, American Express has an obligation to conduct a fair and documented review. Instead, we have been unable to obtain transparency or due process in the dispute handling. 

We respectfully request assignment to a compliance or chargeback supervisor, written confirmation that our documentation is reviewed, and a formal determination based on the evidence submitted. 

Immediate escalation to a chargeback compliance reviewer, substantive review of the submitted evidence, and restoration of the {$50000.00} charge or a written determination explaining the basis for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
In XX/XX/year>, my XXXX fixed amortizing commercial mortgage was transferred from XXXX XXXX XXXX Fay Servicing XXXX XXXX incorrectly loaded the loan into their system as a XXXX interest-only/balloon product. 

On XX/XX/year>, XXXX XXXX  Commercial Account Manager confirmed this error in writing, stating the loan " was not done correctly '' when it transferred. On XX/XX/year>, another agent confirmed the system showed a " 5 year loan '' when my agreement clearly states 30 years. 

This misclassification caused XXXX months of problems : 1. Payments applied as interest-only with no principal reduction 2. Improper prepayment penalties assessed on regular principal payments ( {$990.00} and {$190.00}, later reversed ) XXXX. ACH drafts ranging wildly from {$150.00} to {$7600.00} ( correct amount : {$5400.00} ) 4. Over {$18000.00} held in suspense while the account was reported XXXX days delinquent 5. XXXX corrective transactions in one year for what should have been XXXX simple payments 6. XX/XX/year> false collection call claiming late payment when account was current 7. Incomplete amortization schedule provided starting from date of request rather than from transfer date Despite multiple calls, multiple promised callbacks that never happened, multiple escalations to special agents, XXXX unanswered follow-up emails, a case worker that left the company with no followup, and a formal case ( XXXX ), the issues remain unresolved. I have never been able to speak with a supervisor despite repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2026-01-23 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding missing funds in my Robinhood Spending debit account and the unacceptable handling of this matter by Robinhood customer support. 

On XX/XX/2026, I discovered that funds were missing from my Robinhood Spending account. These funds were not spent, transferred, or authorized by me. Upon contacting Robinhood customer support to resolve the issue, I was denied access to a supervisor and the call was disconnected without explanation or resolution. 

Despite multiple attempts, I have not received a clear written explanation, transaction trace, or timeline for recovery of the missing funds. This account is a cash/debit account associated with FDIC-insured partner banks, and I understand that federal consumer protection laws apply to unauthorized or missing funds.

Robinhoods refusal to escalate the issue, combined with the lack of transparency and the disappearance of customer funds, raises serious concerns regarding compliance with consumer financial protection regulations. 

I am formally requesting : 1. A full written explanation of the missing funds 2. A complete transaction history and audit trail 3. Confirmation of whether the funds were held, transferred, reversed, or withdrawn 4. A clear timeline for resolution and restoration of the funds This complaint serves as official documentation of the issue. I am requesting immediate review and written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and XXXX XXXX through a lot of fraudulent activities since my social and Identity been stolen its been going on for years but this year I was negative XXXX $ for bank fraudulent and later on kick out my bank account I am struggling and having difficulties trying to move forward and open up a bank or getting my account fix. Ive been falling behind and its making me late and behind on my bills and rent, I have no Bank account to do nothing, none of my online transfers or Withdrawals..

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 2026-01-23 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: OH

Complaint narrative:
Someone merchant got a hold of my account the bank say virtual from all over the world. They took multiple transactions of money out of my account every day. I called and did disputes they noted but still they were able to take out over thousands of dollars. The bank sent out XXXX new debit cards. XXXX had the same as another account. I was refuse withdrawals or any transactions but some one was able to take another amount out of my new account. Im so confused. I have an eviction now behind on all bills and rent and they were suppose to do a hardship and did not. Im getting the run around

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 2026-01-23 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: LA

Complaint narrative:
Paypal has what's called automatic payments feature. I did not sign up nor authorize paypal to apply my account to automatic payments. No warnings. Sneaky and deceptive practice, I buy one item from an online store, and paypal automatically authorizes automatic payments to that merchant from that day forward. Merchant can add charges and fees without warning/disclosure. 
I signed up for a XXXX XXXX  from XXXX, XX/XX/2024. Today, I find an annual " automatic renewal payment of {$69.00} '' to XXXX on my paypal account. I did not authorize automatic payments from my paypal account. 
Please look into this, the paypal reviews on Automatic Payments. Please force paypal to stop this madness. Disclosure should be mandatory, every instance. One store kept charging me $ XXXX for nearly XXXX XXXX for " free shipping '' before I caught the problem ( automatic payments ). Is Paypal fudging their profit margin, at customer 's expense? Please forward this as needed, and thanks...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Today paid {$62.00} to Southwest Credit Systems ( SWC ) for their client XXXX. 

XXXX XXXX informed me that it is SWC policy to delete tradeline 60 days after payment has been settled or paid-in-full. 

My payment of {$62.00} was a paid-in-full payment. 

SWC does not owed this debt.

I want tradeline deleted immediately of all the Credit Reporting Agencies ( CRA ) including XXXX, XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
- ABILITY RECOVERY SERCVICES LLC {$1400.00} - I contacted the company on XX/XX/26 and explained this was a result of identity theft and that this debt was not mine and affecting my credit report and affecting my ability to obtain new credit.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The citi bank closed my citi XXXX XXXX card end in XXXX on end of XXXX and asked me to pay the whole year membership fee XXXX but I only use the account for one month and I dont really start to use this card and the Citi bank dont want to reopen this account for me and insist that I should pay for the whole year membership fee its unfair because I cant use it anymore so why I should pay for the membership fee for card I cant use.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased airline tickets from XXXX using my Citibank credit card. When I arrived at the airport for my scheduled travel, XXXX staff informed me that the ticket reflected the wrong travel date and refused to allow me to board. 

While still at the airport counter, I attempted to immediately resolve the issue by purchasing another XXXX ticket on my phone. That second purchase again reflected an incorrect date, and XXXX again refused to allow me to board. As a result, I was denied transportation twice on the same day despite making immediate, good-faith attempts to correct the issue at the airport. 

XXXX refused to provide any correction or refund, even though no transportation services were provided. I was forced to purchase a replacement ticket from a different airline in order to complete my travel. 

I disputed the charge with Citibank on the basis that services were not rendered. Citibank initially issued a provisional credit but later denied the dispute and reversed the credit. Citibank relied on generic fare rules provided by the merchant and did not address the denial of boarding, the immediate attempted correction at the airport, or the fact that no transportation services were provided. Citibank also did not provide a substantive, transaction-specific explanation or meaningful disclosure of the evidence relied upon.

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