vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: CA

Complaint narrative:
Company Name : XXXX XXXX ( as stated by caller ) Phone Numbers Used : ( XXXX ) XXXX and XXXX Complaint : I am filing a complaint regarding unlawful debt collection practices by an entity identifying itself as XXXX XXXX. On or about XX/XX/2026, I received a voicemail from ( XXXX ) XXXX instructing me to call back at XXXX regarding a payroll deduction for an unspecified employee. The message was vague, did not clearly identify the company, and referenced inconsistent reference numbers. Shortly after contacting me, this entity also contacted my employer directly. During that communication, they claimed there was a wage garnishment or payroll deduction related to me and requested employer involvement. They further sent my employer a copy of an alleged payday/tribal loan agreement. However, I have never been served with any lawsuit, court summons, or legal notice, and I am not aware of any judgment against me. There is no court order authorizing any wage garnishment. Despite this, the caller is attempting to pressure my employer to withhold wages. This conduct is unlawful for several reasons : - A debt collector is not permitted to disclose or discuss a consumers alleged debt with a third party, including an employer. - A wage garnishment can not occur without a valid court order or legally authorized process, which does not exist in this case. - The caller is misrepresenting the legal status of an alleged debt and attempting to induce unauthorized payroll deductions. - The communication with my employer appears designed to pressure and intimidate rather than follow lawful collection procedures. This may be related to an alleged high-interest online/tribal loan, but I have no confirmation that any original creditor authorized this conduct. Regardless, the actions taken by XXXX XXXX are improper and potentially deceptive. Voicemail Transcript ( as received ) : Hello, this message is intended for [ unintelligible ]. My name is [ caller name unclear ], calling from XXXX XXXX. This call is regarding a payroll deduction for an employee. Please contact our office at XXXX and reference number XXXX. Again, that number is XXXX, reference number XXXX. I am requesting that this matter be investigated, that the company cease all unlawful collection activity, and that appropriate enforcement action be taken. I can provide additional documentation, including the voicemail and details of the employer contact, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NV

Complaint narrative:
" I am a victim of predatory enrollment by XXXX XXXX ( later known as XXXX ). I attended in XXXX, but Edfinancial is incorrectly reporting a loan disbursement date of XXXX. I was not in school in XXXX. I am attempting to file an 'Ability to Benefit " False Certification discharge because I did not have a high school diploma or GED in XXXX, and the school failed to test me. Edfinancial is blocking this application by insisting on the XXXX date, which is actually a technical transfer date ( XXXX ) and not an enrollment date. They are demanding that I 'prove ' I don't have a GED, which is a document that does not exist. I request that Edfinancial audit my XXXX records to confirm the XXXX XXXX XXXX history and process my discharge. '' " I am currently awaiting a formal verification of non-existence from Diploma Sender ( XXXX XXXX GED database ) to prove I have no GED. I have already initiated this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One refused to reopen my fraud claim for an unauthorized {$1200.00} charge. I clearly stated that I did not authorize this transaction. The bank based its denial on the assumption that the chip was used and that the card was in my possession. When I spoke to a supervisor, I was told that the only way to reopen the case was for me to provide proof that chip verification can be cloned. This is unreasonable and shifts the burden of proof onto me. Under the Fair Credit Billing Act, I am not responsible for unauthorized charges, and I am not required to prove how the fraud occurred. The bank must provide evidence that I authorized the transaction. I requested documentation and evidence, but none was provided. I am requesting a full reinvestigation and removal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a fraud incident involving a bank impersonation scam. On XX/XX/year>, I was contacted by an individual impersonating XXXX XXXX XXXX XXXX XXXX department using a spoofed phone number that appeared legitimate. The caller referenced a real blocked transaction on my account, which led me to believe I was speaking with an actual representative. Under this deception, I was instructed to transfer funds to secure my account. Believing this was part of a legitimate fraud prevention process, I transferred {$1700.00} through Cash App. Shortly after the call ended, I realized I had been scammed. This transaction was not a valid authorized payment, but rather the result of fraud and social engineering. I immediately contacted Cash App to report the incident and request assistance, including freezing the recipient account and attempting to recover the funds. However, Cash App has stated that there is nothing they can do and has not provided meaningful assistance or confirmation that the receiving account has been investigated. I am requesting that Cash App : Conduct a full investigation into the recipient account Confirm whether the account has been flagged for fraudulent activity Attempt to recover the transferred funds if they are still available Provide a detailed explanation of actions taken in response to this fraud report Given the circumstances, I believe this situation warrants escalation and review, as the transaction was induced under false pretenses as part of a scam. This loss has caused significant financial hardship, and I am seeking a fair review and appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am reporting a billing error that Comenity Capital Bank has failed to resolve. There are XXXX separate charges of {$1600.00} from XXXX on XX/XX/year> : XXXX. XXXX XXXX XXXX original transaction ( already refunded and resolved ) XXXX. XXXX XXXX separate duplicate transaction I made only one purchase and did not authorize a second transaction. The bank is refusing to open a new investigation because their system treats both charges as the same transaction due to same amount and merchant. This is incorrect. These are XXXX distinct transactions. This is not a repeat dispute. This is an unauthorized duplicate charge that has not been properly investigated. Requested resolution : * Remove the duplicate {$1600.00} charge * Correct my account balance * Confirm no interest or fees will be applied Supporting statements are attached showing both charges and prior resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit file by Ability Recovery Service that I do not recognize and did not open. The original creditor listed is XXXX XXXX XXXX XXXX, however I have no knowledge of this account, no contract with the company, and did not authorize this debt. I previously disputed this account with the credit reporting agencies, but it was not permanently resolved and has reappeared under a different collection agency. I have now filed an FTC Identity Theft Report regarding this matter. Despite my dispute history and identity theft report, the account continues to be reported as a valid collection. I am requesting that the company provide full validation of this debt, including documentation showing proof of responsibility and a complete chain of ownership of the account. If the debt can not be fully verified as mine, I am requesting that it be permanently removed from my credit reports in accordance with the Fair Credit Reporting Act.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a dispute I opened with Cash App on XX/XX/year>, related to a transaction for an XXXX XXXX order. Upon pickup, multiple items in my order were damaged. I attempted to resolve the issue directly with the store by calling the curbside department, but I was unable to reach anyone. As a result, I filed a dispute through Cash App and provided supporting evidence, including documentation of the damaged items. As of today, XX/XX/year>, more than XXXX days have passed since I initiated the dispute, and I have not received a resolution, provisional credit, or any meaningful update. I have followed up multiple times with Cash App customer support, but I have only been told to wait for an email and that there are no updates or further actions I can take. This lack of communication and failure to resolve the dispute within the required timeframe is extremely frustrating and unacceptable. I am requesting that this matter be reviewed promptly and that my dispute be resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
Rubin & Rothman has been harassing me monthly with mail sent claiming that they are collecting on behalf of XXXXXXXX XXXX. They call family members, including minors at all hours of the day and night. The reason for the typed and copied letters is to inform me that their client, XXXXXXXX XXXX investigated whether there was fraud. XXXXXXXX XXXX inappropriately billed me from XXXX through XXXX for charges that I let them know at the time were not mine. Each month I disputed them and they would be added back on the following month. This has continued for XXXX years and the balance of all of this tripled in XXXX when I disputed that practice. This collections company is not authorized to do this in Connecticut, nor are they operating within reasonable guidelines for a legitimate practice. This is stalking and they include very personal details and random standardized credit card language in the XXXX pound packages they send. XXXXXXXX XXXX wrote this debt off and my Attorney is reviewing all of the documents for the case I sent them. This has now been over a year since I made Rubin & Rothman , LLC aware of this. I want this harassment to cease immediately and for this collections firm to remove any and all of my personal information from every type of database they are in posession of.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CL Holdings LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as JEFFERSON CAPITAL LL - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I XXXX XXXX filed a claim with bank of america for numerous of charges that were clearly fraudulent .. XXXX days later they told me the decision was not in my favor because my account is new which is discrimination.. They also stated that XXXX sent them a letter that has nothing to do with the investigation .. No activity. No web internet ID. No Records off any transactions .. bank.of america didn't do a proper investigation, they reopened my claim and added more information and stated XXXX XXXX now have to send every piece of info that they are required to send .. Im the victim here.. I read all these horror stories about this bank. Im starting to believe it.. I was also approved for a provisional credit. I still haven't received that. No Investigation resolves that quickly. What's the wait.. I have the agent recorded stating that there was no reason to deny the claim besides of my account being new .. woooow.. Discrimination? If so im contacting the appropriate people because Im sure they have done this to millions of people also .. Just please do your job and get me my money back .. that's all I ask

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 2026-04-27 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In late XXXX, I opened a XXXX XXXX XXXX store credit card issued by Synchrony Bank at the time of purchase onboard the XXXX XXXX. During the transaction, I was told the purchase would be interest-free and that there were no hidden fees. I was not provided with any written financing disclosures, did not review any terms, and signed only via an electronic keypad without being shown the full agreement. Shortly after the purchase, my billing statements reflected a 2 % promotional fee totaling {$470.00}, which had not been disclosed to me at the time of the transaction. I contacted XXXX XXXX XXXX to dispute the charge. In written correspondence dated XX/XX/XXXX, XXXX XXXX acknowledged the issue and stated that in order to remove the 2 % fee, my promotional terms would need to be changed from XXXX equal payment, no interest to XXXX deferred interest. I agreed to this change based on their representation that the fee would be refunded within XXXX billing cycles. Although my account was changed to the XXXX deferred interest plan, the {$470.00} fee was never refunded. I made repeated attempts to resolve this directly with XXXX XXXX, and additional correspondence confirms that the issue remained unresolved months later. I then disputed the charge with Synchrony Bank. On XX/XX/XXXX, I received a letter stating that my dispute had been reviewed and denied based on documentation provided by the merchant, and that this documentation was enclosed. However, no documentation was included with the letter. I requested a copy of the materials relied upon in making this determination, but they were not provided. Additionally, there is no clear record of my dispute available through my online account, and XXXX response addressed general promotional terms rather than the specific undisclosed 2 % fee that I disputed. At this time, the issue remains unresolved. The fee was not disclosed at the time of purchase, the merchant acknowledged the issue and agreed to refund it, and the bank denied my dispute without providing the documentation it claims to have relied upon. I am requesting a full refund of the {$470.00} fee and a proper review of my dispute based on the actual circumstances of 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported debt of {$150.00} that remains on my credit report despite my repeated efforts to resolve the issue. I am not responsible for this outstanding balance. Upon vacating my residence, I had a remaining balance of {$150.00}, which I paid in full via money order. This payment was made before the account was ever sent to collections. After XXXX XXXX XXXX XXXX conducted investigation, they discovered that my {$150.00} money order was incorrectly applied as a credit to the account of the tenant who moved into the unit after I left, rather than being applied to my account to satisfy my balance. I have provided documentation to support this, including a copy of the money order ( front and back ) with my signature, along with ledger details reflecting the {$150.00} balance to National Credit Systems. After becoming aware that the debt was still being reported on my credit as of XX/XX/year>. I have been actively working with National Credit Systems to resolve this matter. I have made numerous attempts to have this debt removed by submitting proof of payment, including the ledger and money order documentation. I was advised that the resolution process could take approximately 3045 days ; however, no resolution has been provided to date. In addition, I have made multiple attempts to resolve this directly with the property management and related parties : - I have visited the XXXX XXXX XXXX XXXX on more than one occasion - I have sent emails requesting corrective action- I have made repeated attempts to contact the corporate office, Asset Living, with no response or call back There appears to be a lack of accountability among the parties involved : - The XXXX XXXX XXXX XXXX has indicated that the issue must be handled by their corporate office, Asset Living. However, they were able to provide documentation of said payment that is not owed. XXXX National Credit Systems has stated they are awaiting confirmation or correction from XXXX XXXX, and until they can not remove the debt. - Asset Living has failed to respond to my repeated attempts for resolution nor have they responded to repeat attempts from National Credit Systems XXXX recently, National Credit Systems advised me that the XXXX XXXX XXXX XXXX could call and confirm that the debt is not owed by me ; however, after contacting XXXX XXXX XXXX XXXX, I was then told that they are not permitted to do so and that this issue must be resolved directly by corporate office, XXXX XXXX. As a result, I am left in a cycle of inaction, with each party deflecting responsibility while the inaccurate debt continues to negatively impact my credit. I have made every reasonable effort to resolve this matter directly with all involved parties and have provided clear documentation supporting my claim. I am requesting your assistance in ensuring this matter is properly investigated and resolved

Company response to consumer: Closed with explanation