vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX for XXXX Dear XXXX XXXX Department, I am writing regarding the above-referenced account. I am formally requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Specifically, I dispute the accuracy of this debt for the following reasons : XXXX. The account is incorrectly reported as open when it is not. XXXX. There is no accurate payment history or summary provided. XXXX. Comments or notes indicate place for collection, which does not reflect the accounts proper status. Under the FDCPA, I request that you provide : The original creditors name and address. Copies of any signed agreements or contracts validating the debt. chain of title Transfer of assignment License to collect on this debt Additionally, under the FCRA, I request that any inaccurate reporting to credit bureaus be corrected or removed until this dispute is fully investigated. Please provide written verification of the debt and cease any collection efforts until verification is provided. I request that all communications regarding this dispute be in writing. Please confirm receipt of this letter and provide the requested documentation within XXXX XXXXays, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX {$280.00} I have explained to them I had identy theft. A collection company has sent me a email/call/ message me about how I can pay in stalments. I called again on the XX/XX/XXXX asking them to please stop calling or texting me. on the messages i would push stop for them to stop messaging me. XX/XX/XXXX {$920.00} Charge off that I've asked for them to stop messaging or calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I followed Transunion lead - and attached is what I sent in as proof of XXXX billing from my direct deposit XXXX checking account for lease to own product ( XXXX ) purchases paid in full. And they said they would boost the XXXX XXXX based on that proof. Also I included attached contract billings XXXX from the checking account. And includes phone, gym, etc. No response - no copy. And any boost is not yet understood. Today a loan company ( XXXX ) got back to me with a no history at all report. My life was on hold for a long time due to a personal injury. And now I am healing- I have to rebuild my credit and my life. And every step taken so far matters. Especially XXXX bills being paid for my purchase ( XXXX ) from borrowing - and every bill paid with the direct deposit from my XXXX checking is verifiable income that I have. And more will follow.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Upon review of my XXXX credit report, I found a collection account under the name, CONTRACT CALLERS reporting a debt under original creditor name, XXXX XXXX with an open date of XX/XX/year>. I called the collection company at XXXX and spoke with Representative, XXXX and she was unable to locate any account under my name. I do not own this account as I do not have any gas providers where I reside. Please remove, this account was opened in my name as a result of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
Fraudulent charges in the amount of {$940.00} were made to my XXXX XXXX account from XX/XX/year> through XX/XX/year>. I received a letter from XXXX dated XX/XX/year> stating that my account was being credited for the charges as well as any fees and interest. Part of the charges were credited but the remaining was not. Multiple calls each month have been made to the fraud department and I was assured by supervisors that my account would be taken care of but that has not been done. Instead, my account was closed on XX/XX/year> with an amount of {$860.00} being shown as charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: NC

Complaint narrative:
XXXX incorrectly charged me for tariffs. I placed an order for a total of XXXX units with a total value of {$1400.00}. XXXX incorrectly notated the value of the product to be {$11000.00}. I should have been charged the tariff rate % against the total value of inventory I purchased ( {$1400.00} ) ; instead, I was charged the tariff rate against an incorrect inventory value of {$11000.00}. This meant an incorrect overpayment of {$620.00}. The purchase order and invoice I paid show the accurate value of the inventory. I tried to contact XXXX for a resolution over a dozen times. When I could not get through to XXXX for months, I then submitted a claim with CitiBank to get them to dispute the amount I was charged. They declined my dispute and are not allowing me to reopen the dispute for further investigation. I have done everything in my power to reach out to both XXXX and CitiBank to resolve the issue. They charged me an extra {$620.00} that I should not have been charged.

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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I have a {$13000.00} loan from XXXX. I bought the used car XX/XX/XXXX made my first payment XX/XX/XXXX and Ive been making my payments every month like on the sixth or maybe the seventh I do my payments online but they also send me letters my XXXX and XXXX payments they say that I did not pay, but my bank statements are stating that I paid them. Where did my money go? They said that the money was returned if it was returned, it would show up in my bank statements, correct. and also, Ive been asking them since XXXX to please change my pay date to the second or third of each month not the XXXX. I do not get paid on the XXXX of each month. I get paid on the third.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have a XXXX personal and business account with a bit more than {$15000.00} in it. I use it to receive payments for my business ( account is tied to my phone number XXXX ). My account has been suspended asking for more information, picture of my ID which I provided the same day. It's been 30 days now, 6 calls so far - one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last one today XX/XX/XXXX. 6 escalations to their department that supposedly is only accessible via email that no one can get a hold off. Been told every time to wait 3-5 days because it's been escalated again so surely it will be fixed. All I want is to get access to my funds and close my account which I'm not even able to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I asked Bank of America not to pay any transactions about my balance.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back on XX/XX/year>. Someone used my personal information without my consent to gain access to my XXXX XXXX account and fraudulently open a savings account and authorize the transfer of {$2800.00} from my linked external checking account over to the savings account. This was only possible because I have a credit card with XXXX XXXX and have my Chase account linked to pay my bills. I DID NOT AUTHORIZE THIS. I reported the fraudulent activity right away, The account was frozen and under an investigation and I was told repeatedly that we are working on the backend with Chase on getting the money sent back to my Chase account. Nearly 4 months later I noticed that he withdrawal was a made on XX/XX/XXXX for the full amount, and XXXX XXXX XXXX is refusing to tell me where the funds went and would not reimburse the money back to me and that I needed to resolve this with Chase Bank. I have submitted a complaint on here as well with XXXX XXXX with this issue and as of today they claim the following " After review, it was confirmed that all processes and procedures were followed in the handling of your claim. We have no further recourse for this dispute and would recommend you attempt to resolve this matter directly with Chase '' Now I have called Chase multiple times on this matter and have been told this needs to be resolved with XXXX XXXX, so neither bank is claiming responsibility to cover my funds from the fraudulent activity. I have also submitted a claim with Chase but they claim can not credit me back because I commonly do business with XXXX XXXX and this transaction was deemed " Authorized '' by myself, the denial letter is attached to this for reference. I also have an identity theft police report attached stating everything I have described in this form. Now I have done everything in my power to prove this is was not " Authorized '' and Chase bank needs to take this serious and given all I'm doing and providing I hope Chase Bank realizes this was in fact a act of fraud and stand by its customers and return my money rightfully to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX XXXX bank called me asking if I asked for a verification code I said no, things were misleading to where I thought it was nothing, next day my password, phone number, and email were changed.i had {$2000.00} in saving someone moved my money to savings and proceeded to send and waste most of it.i called bank to change my information that was changed, made me wait XXXX hrs to be able to change my password etc.wasent offered to block my account, meaning other person would still have access to my money.i asked for everything to be blocked.called next day I reaped things to make sure things were right, still managed to mess up address where card was being sent to, messed up my email address as well, still not able to change my password or anything, still can't log into my online portal was told again to wait XXXX to fix information and was hung up on.i called today I didn't get to answer first call back I was at work, I called again was told XXXX for call back, it's been about XXXX haven't gotten a call back, don't seem like there trying to help or fix things after somebody was stealing my money. This is for netspend online banking.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Validation of Debt Request - TRUEACCORD C - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, XXXX I applied for a loan through Mosaic to install solar panels, as asked to by my contractor ( XXXX XXXX ). On XX/XX/XXXX I received an email from Mosaic stating that my loan was approved. In XX/XX/XXXX I told XXXX XXXX that I did not want to move forward with their proposed solar panel installation. On XX/XX/XXXX I got an email from XXXX XXXX confirming that my project was " on hold ''. I subsequently asked XXXX XXXX to cancel the project. I have an email from XXXX XXXX from XXXX XXXX from XX/XX/XXXX stating " Your project is already cancelled. '' I noticed in late XXXX that this loan was showing on my credit report. I called Mosaic to ask them to cancel the loan. I got an email from Solar Servicing on XX/XX/XXXX stating that : " We have received your concern. Our records show that this loan was originated back on XX/XX/XXXX by XXXX XXXX for a solar system. Since the loan has been funded, the account shows as active. Please reach out to your installer/contractor and ask them to contact Solar Servicing XXXX XXXX at XXXX to clarify this matter. You can reach your installation company at XXXX. Best regards, Solar Servicing '' I called my installation company ( XXXX XXXX ) on XX/XX/XXXX. They dispute receiving funds from Mosaic/Solar Servicing LLC and sent me an email verifying that the project was cancelled. I forwarded that email to Solar Servicing LLC as proof that the project was cancelled. On XX/XX/XXXX I got an email from " Solar Servicing LLC '' with a link to a statement for my Loan ( loan number XXXX ), for the full amount of the approved loan. I replied to that email asking them to cancel the loan, since the solar panel system was not installed. They did not reply. Some time in XX/XX/XXXX I got physical mail from Solar Servicing stating that my first payment date had been changed as " first payment date for your loan will be determined once your system is installed. '' I sent them a follow-up email to the previous email on XX/XX/XXXX. They did not reply. I called Solar Servicing LLC again on XX/XX/XXXX to ask them about the status of cancelling the loan. After being on hold for XXXX minutes the rep who answered stated that they had funded the loan and thus can't cancel it. I called XXXX XXXX again on XX/XX/XXXX. They again stated that they did not receive funds and that the Project was cancelled. They sent an email confirming the cancellation. I have emailed Solar Servicing several two times recently ( on XX/XX/XXXX and XX/XX/XXXX ) asking them again to cancel the loan. They have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
Fee Stacking. Since Roundpoint bought my mortgage, I have automatic payments turned on for the entirety of my account being with them. In XX/XX/XXXX I had insufficient funds in my account, at which point my payment was marked as incomplete. I made a one time payment to bring my account balance back to even. For whatever reason, Roundpoint mortgage turned my automatic payments off. I did not turn automatic payments off, roundpoint mortgage did. Because Roundpoint Mortgage turned my automatic payments off, my XXXX payment was not withdrawn from my account. They assessed a late fee. Again, I made a one time payment and brought my account back to even and I manually turned my automatic payments back on. I manually turned my automatic payments back on XX/XX/XXXX, prior to my XXXX payment being due. They did not withdraw the money from my account even though I had automatic payments turned on, and again, accessed a second late fee. Now Roundpoint is saying I owe {$280.00} in late fees because they turned my automatic payments off and didn't withdraw the money from my account after I had to go in and turn it back on. I have the money to pay my mortgage, I am attempting to pay my mortgage by using their online portal and electing to have my money withdrawn monthly using the tools they provide, they are simply not withdrawing my money and charging me late fees for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I dispute the collection account reported by National Credit Systems , Inc. relating to XXXX XXXX because the information is inaccurate and has not been reasonably verified. I first disputed this account through NCSs website on XX/XX/XXXX, and again on XX/XX/XXXX. NCS simply confirmed the account with XXXX instead of resolving the actual discrepancy. On XX/XX/XXXX, I sent NCS both an email and a letter urging it to investigate. NCS replied that it had investigated, but the only support it provided was email communication with XXXX and XXXX own ledger. Those records are internally inconsistent. XXXX Final Account Charges page states that I paid {$470.00} on XX/XX/XXXX. However, the ledger in the same set of records shows that my payment was {$820.00}. My bank statement confirms a payment of {$820.00}. I pointed out this specific discrepancy again through NCSs website on XX/XX/XXXX, but received no meaningful response, and the account has continued to be reported. Because XXXX own records conflict with each other and with my bank records, this account is inaccurate or, at minimum, can not be reasonably verified as currently reported. Please conduct a reasonable reinvestigation and delete this collection account. I do not owe the amount being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Klarna AB
State: AL

Complaint narrative:
I recently opened a klarna account I added money in the amount of XXXX in two transactions one for {$100.00} and the second for {$50.00} both deposits where made from a third party card that belongs to my stepdad from his XXXX account. When trying to use my money on my klarna account I'm asked to verify myself before I can use my own funds in the account I have tried multiple times using my identity card and face recognition but the system fails to verify my identity. I have requested klarna support to help me with the verification and even sent then all the requested documents they asked me for. and still they fail to help with the problem. They gave ignored my complaints for XXXX month causing a financial hardship. I have also demanded for them to refund my balance back to the original card I made the deposit with since my account can't be verified. Because of me using a third party card and the names are different the verification system is broken and the account can't be used so they are required to reverse the funds back to the original card and close the account I have requested this numerous of times so I may get my money off the account since the verification system is not working. Klarna has failed to assist me and failed to refund the money back to the original card so my money is stuck and they are not providing any options or assistance. It's been XXXX month of asking for assistance they keep sending me emails asking me for my identity information like my phone number or birthday I have sent them my identity card and all the information they asked me for in the emails but have not provided me with a resolution response or the reversal of funds. Klarna is causing a hardship financially when this is the only funds I have to provide my basic living I have explained this multiple times and still nothing. I need help getting them to reverse my funds out of the account and want to close it once the refund has been done. They claim that they cant do any of this but that is not what the terms and rules say in the klarna app they are false advertising information that can or can not be done. I would like to move forward with litigation for the hardship they have caused by not assisting me with my account verification. my documents are correct and their system has failed the identity verification process. My funds must be refunded back to the third party card used to deposit money into the klarna account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: TN

Complaint narrative:
I'm a victim of identity theft. I have sent a written request to : ConServe XXXX. They have received that certified letter. I have already filed with the FTC as well, and I have yet to hear from them, and my credit is still being affected.

Company response to consumer: Closed with explanation