vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
CASE SUMMARY CREDIT REPORT COLLECTION DISPUTE Name : [ Your Name ] Property Address : XXXXXXXX XXXX XXXX, Arizona Collection Agency : IQ Data XXXX XXXX Amount : {$2400.00} Account Opened on Credit Report : XX/XX/XXXXXXXX BACKGROUND I previously leased an apartment at XXXX XXXX in Arizona. Prior to the lease expiration, I provided notice to vacate approximately 60 days before the lease end date. Notice was provided verbally, in person, and by email to the original property owner/management. The original property owner confirmed that proper notice had been given and that no early termination penalty or outstanding balance was owed. PROPERTY OWNERSHIP CHANGE After my lease ended, the property was sold to a new owner. The new ownership later stated that the previous employees were gone and that the original lease records were no longer available. COLLECTION REPORTING Several months after the property changed ownership, a collection account was reported on my credit report by IQ Data XXXX for {$2400.00} allegedly owed to XXXX XXXX. The account appears as : Collection Agency : IQ Data XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection account past due Estimated removal date : XX/XX/XXXXXXXX DISPUTE BASIS I dispute the validity and accuracy of this debt for the following reasons : 1. Proper notice to vacate was given approximately 60 days prior to the lease expiration. 2. The original property owner confirmed that no termination penalty or balance was owed. 3. The property was sold and the current owner has stated that the prior records and employees are no longer available. 4. Because the original lease documentation and account records appear to be unavailable, the debt may not be verifiable. GOAL I am seeking removal of the collection account from my credit report because the alleged debt appears inaccurate and may not be supported by verifiable documentation. TIMELINE Lease period : XX/XX/XXXX to XX/XX/XXXXXXXX lease paid in full Notice to vacate given : 60 days before lease end Lease end : [ XXXX ] Property sold : [ XX/XX/XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I requested that Chime stop/reverse a money transfer through their " pay anyone '' feature using a person 's " $ XXXX '' that was obtained through fraudulent means. The transaction was to the " $ XXXX '' of $ XXXX for two transactions of {$1900.00} and {$100.00} for a total sum of {$2000.00} on XX/XX/year>. These transactions occurred due to being defrauded by a scammer who hacked my friend 's account and lied about needing me to send money for a watch that I was interested in buying. I sent documentation to Chime verifying that the transactions occurred due to fraud/scam, but Chime denied my dispute citing that it is a digital-equivalent of a cash transaction and that they will not reverse or refund any of the money. I feel that due to Chime serving as an online/digital banking service, they are harming customers by misleading customers into thinking they have reasonable fraud protections utilizing their services. I am escalating this issue to the CFPB and other regulatory bodies in hopes of achieving restitution of my losses that occurred due to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
Around XXXX of XXXX I started to receive letters from a creditor for a business that I operated but that went out of business and filed bankruptcy back in XXXX. Since I did not recognize the debt, I had sent a letter via certified mail on XX/XX/XXXX for validation of this debt. The letter was delivered and signed for on XX/XX/XXXX. I never received anything else from that company until 2 days ago on XX/XX/XXXX, I received another demand for payment that was dated XX/XX/XXXX. Since they failed to provide me with any validating information, and are now continuing to attempt to collect a debt, I do believe this is direct violation of the Fair Debt Collection Practices Act. Another thing that needs mentioned is that the first letters said I owed {$1100.00} and now the most recent says that I owe {$1200.00}. I am in no way trying to get out of a debt that I would owe. But given the fact that the business in question halted operations and declared bankruptcy 7 years prior to me receiving any kind of notice or attempt to collect, I do question its validity.

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 2026-03-13 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I disputed a charge for business coaching services because the services delivered were not as described at the time of sale. I was promised personalized one-on-one coaching, but what I received was generic, copy-and-paste material that was not individualized. The merchant also missed a scheduled call without notice, and a promised in-person workout was later conditioned on my buying a higher-tier package, which was not clearly disclosed before payment. I believe the charge was materially misrepresented and that my card issuer did not fairly evaluate the dispute as a services-not-as-described claim. I am asking the issuer to reopen or reevaluate the dispute, explain the basis for denial, and confirm what evidence it relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
My card was used unauthorizedly and I needed a case review for a refund of my funds, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I was alerted recently that my lender, XXXX XXXX, is selling my loan to Carrington Mortgage Services LLC, and my Realtor is in the middle of the process to sell my condo. But this can not happen unless Carrington provides me with a way to contact them while I am living overseas. Their phone number is NOT accepting calls from me. Their website does not allow me to even access it while XXXX. I am at a loss for words how many financial organizations make it unbelievably difficult for people like me to manage accounts simply because I took a job XXXX. I haven't renounced my XXXX yet that's how they treat me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
On XXXX, XXXX, XXXX I contacted a representative named XXXX, I explained the situation she waived {$35.00} cents off my account, and had me to pay XXXX XXXX for {$18.00} so the account was finally closed so I thought. XXXX, also gave me a reference number on that day. The reference number is # XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collections Acquisition Company, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX stated that my check was returned but it was not. XXXXXXXX XXXX XXXXXXXX begin taking multiple payments out bank account and stating they have not been paid. XXXX filed a false collection on my credit report after taking over {$3000.00} out my bank account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Retroactive Deferred Interest Charge XXXX XXXX XXXX Comenity Bank I am submitting a complaint regarding what I believe to be an unfair and deceptive lending practice associated with an XXXX XXXX account issued by Comenity Bank. In XX/XX/XXXX, I financed a laser hair removal treatment totaling {$3600.00} using a promotional zero interest plan offered through XXXX XXXX. I enrolled in automatic payments and made every payment on time throughout the promotional period. Because autopay was enabled and I consistently paid the amount due each month, I reasonably believed that the balance was being amortized appropriately and would be paid off within the promotional period. At no point during repayment was it made clear that the minimum payment amount would not satisfy the promotional balance before the expiration date. The promotional period ended on XX/XX/XXXX. My XXXX statement showed a remaining balance of approximately {$1500.00} and a payment of {$54.00}. Immediately afterward, a retroactive deferred interest charge of {$2100.00} was added to the account. This charge significantly increased the balance and nearly doubled what remained on the account. I contacted customer service and spoke with a supervisor named XXXX on XX/XX/XXXX at approximately XXXX. I was informed that the company could not remove the deferred interest and that it was my responsibility to calculate a payment amount sufficient to pay off the balance before the promotional period ended, even though the billing statements and autopay system only presented the minimum payment due. This structure is misleading to consumers. A customer who enrolls in automatic payments and consistently pays the amount due each month would reasonably believe they are complying with the promotional terms. The billing statements and autopay system appear to direct consumers to pay the minimum payment without clearly communicating the payment required to avoid retroactive interest. If the payment required to avoid over {$2000.00} in retroactive interest was higher than the minimum payment displayed on the statement, that amount should have been clearly disclosed or automatically calculated within the payment system. Instead, the current structure places the burden on consumers to independently calculate payoff amounts while the billing system continues to request minimum payments. I respectfully request that the retroactive interest charge of {$2100.00} be removed and that the account be allowed to be paid based only on the remaining principal balance at the end of the promotional period. I believe this practice constitutes an unfair and deceptive lending practice and request that this matter be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone use my information to open fraudulent account make fraudulent charges Hi I'm a victim of all identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am disputing an alleged debt that Caine & Weiner Company claims to be collecting on behalf of Progressive Insurance. I do not recognize or agree with this debt and have requested proper validation. As of now, I have not been provided sufficient documentation proving that I have a legal obligation to pay this amount. I have requested the following information to verify the legitimacy of the debt : A copy of the original signed agreement or contract with Progressive Insurance A complete itemized statement showing how the balance was calculated Documentation showing the chain of assignment or authorization allowing Caine & Weiner Company to collect the debt Proof that the balance being collected is accurate and does not include unauthorized fees or charges Until proper validation is provided, I believe continued collection activity or credit reporting would violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that the company either : 1. Provide full documentation validating the alleged debt, or 2. Cease collection efforts and remove any reporting related to this account from all credit reporting agencies. I am submitting this complaint to request that this matter be investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
A collection account from Waypoint Resource Group related to XXXX in the amount of {$370.00} is reporting on my XXXX credit report as unpaid. This balance was previously paid to XXXX and should not be reported as an outstanding collection. I disputed the account with XXXX twice XXXX & XX/XX/XXXX, and the investigation response indicated the balance date and status date were modified rather than providing documentation showing the balance remains owed. I am requesting documentation supporting the accuracy of this account or removal of the collection from my credit report. Date of 1st Delinquency XX/XX/XXXXXXXX Date Assigned XX/XX/XXXXXXXX Date reported XX/XX/XXXX Creditor Cable/Cellular Last payment date ( Blank ) Amount {$370.00}

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 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am concerned about the validity of this company who is violating my rights under 15U.S.C 1681s2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverified or inaccurate charged off data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am requesting assistance locating funds from bank accounts opened in my name with Bank of America on XXXX XX/XX/year> at the XXXX XXXX in Nevada, XXXX. The accounts were : MyAccess Checking account ending XXXX Regular Savings account ending XXXX I still hold the original account summary document from the bank confirming the accounts were opened in my name. I have attempted to contact Bank of America to determine when these accounts were closed, what the final balances were, and whether any remaining funds were transferred to a State Unclaimed Property Program. However, I have been unable to obtain any response or locate a valid contact method to investigate these historical accounts. I am requesting that Bank of America conduct a historical account search and provide : The date the accounts became dormant The date the accounts were closed The final balances on both accounts Confirmation of whether the funds were transferred to a state unclaimed property program, and if so which state and reference number I can provide identification and the original account documentation if required. Name : XXXX XXXX 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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint against Bank of America regarding the denial of a fraud claim involving an unauthorized debit card transaction. A charge of {$6800.00} was made to my debit card at Fanatics ( transaction description : FANATICS * COLLECT ). I did not authorize this purchase and did not provide my card information to anyone to make this transaction. I reported the charge to Bank of America and filed fraud claim number XXXX. The bank initially issued a provisional credit but later denied the claim and stated that the transaction was authorized by me or someone who had permission to use my card. However, no explanation or supporting documentation was provided to support this conclusion. This transaction was an online purchase and the merchandise was shipped to an address that is not mine and not associated with me. I have documentation from Fanatics confirming the shipping address used in the order, which demonstrates that the items were not sent to me and that I did not benefit from the purchase. Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers before holding a consumer responsible. In this case, Bank of America has not provided evidence showing that I authorized this transaction.

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 2026-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Sezzle Inc.
State: AZ

Complaint narrative:
I signed up for a Sezzle account, which charges you an XXXX dollar fee every month. They offer single use virtual cards that never work no matter what. You can type the information in for the virtual card or copy the virtual card and your card will still be declined. Additionally, they charge you a portion of it that is taken out of your bank account. There is no customer service phone number, but only a online messaging system. A consumer can have a brand new virtual card and all the correct information for the card only to be declined at checkout due to discard already being used when it hasnt. Today, XX/XX/year>, I placed an order with XXXX for only {$22.00} and Sezzle charged {$120.00} by putting four orders in for one placed one. Upon the messaging from an alleged live person, he pretty much told me too bad so sad. I believe that this company is practicing predatory loans with single use virtual cards or possibly ripping people off for their virtual cards do not work with their published, allegedly already approved stores, such as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation request asking the company to provide documentation verifying the alleged debt. The letter was successfully delivered according to XXXX tracking. In my request, I asked for verification of the debt, including documentation showing that I am responsible for the debt and proof that the company has the authority to collect it. The company never provided any validation or documentation in response to my request. Despite this, the company continues reporting the collection account to credit reporting agencies, including XXXX. Because the company failed to validate the debt after my certified request, I believe the continued reporting of this account is improper. I am requesting that this collection account be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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