vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: ID

Complaint narrative:
I am filing a formal complaint regarding a fraudulent charge of {$3100.00} on my medical credit card account. The charge was initiated by XXXX XXXX XXXX for an upcoming oral XXXX. However, the clinic officially canceled my procedure in writing, stating their doctor was " un-equipped '' to perform it. Absolutely ZERO services were rendered to me. Despite canceling the procedure, the clinic initially kept the charge on the account. When I visited the clinic in person to resolve this, the receptionist was incredibly rude and refused to help, falsely claiming that signing the initial paperwork obligated me to pay. However, after I stated that I would take legal action, she finally checked the system and claimed that the funds were actually returned to the bank on XX/XX/year>. She provided me with a printout confirming this refund, which I am attaching to this complaint. I immediately called the credit card company, and the representative informed me that the funds had NOT been received. The operator promised to request the refund directly from the clinic, call me back in 3-4 days, and close the credit card account, as I have no intention of ever returning to that clinic. However, I never received the promised follow-up call. Instead, three weeks later, I received a new statement showing that my fraudulent debt has now increased to {$3100.00}. I want to specifically highlight the banks deceptive customer service practices. It is nearly impossible to reach a human representative. Their automated voice menu completely lacks a " speak to an operator '' option, trapping callers in endless loops about balances and payments. I also tried sending a message through their website contact form, but received no response. I literally had to search the internet for a workaround just to learn how to bypass their system. This intentional design creates severe, artificial barriers, making it impossible for a consumer to resolve a dispute independently. I am completely exhausted by this ordeal. The endless loop of an unreachable banking system, the false promises from the bank 's representatives, and the rude, dismissive treatment from the clinic 's staff have caused me immense unnecessary stress. I feel completely trapped by these deceptive systems, and I am sincerely asking for your agency 's help to finally resolve this nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Meta Payments Inc.
State: NC

Complaint narrative:
Around the summer of XXXX, my account @ XXXX was suspended. I wasted my money trying to get help and nothing was done at all. I was extremely confused and devastated considering that I have never ever done anything like that my entire life and had no idea how this even happened. Likewise, I appealed and never got anything. My account was used for getting multiple opportunities for dancing and modeling and it caused me so much XXXX at work and at home because that was the reason I was going out for these events. I was terrified and extremely livid that a strong accusation was levied against me when that never happened whatsoever. I was outraged considering that I know actual victims so the fact that an XXXX ruined my mental health like that was completely unacceptable. I looked more into this on social media and thousands of other individuals are going through this so I then realized that I wasn't alone. After I got suspended, I then just created a new account and thought I should start fresh. I created one and created new memories and started building yet again. However, I was then suspended two months later around XX/XX/XXXX for being connected to the first one and again, I was so incredibly outraged yet again and was lost. Months of making new friends and new connections just went down the drain just like that and I felt betrayed yet again. After that happened I looked into so many things and ways to get these accounts back because I just couldn't give up without getting these accounts back because I have done nothing wrong. Around the same time in XXXX, I tried Meta verified, that worked getting one account back ( @ XXXX ), then I was referred to XXXX and got ( @ XXXX ) both in XXXX. I was so happy and it was like a monkey was off my back. That was until XX/XX/XXXX when both accounts were taken yet again and I couldn't believe it and again, had no idea this ban was triggered considering I follow guidelines with no problem. I got them back a month later with a strong apology from XXXX and Meta. I kept those accounts until late XX/XX/XXXX when I was XXXX yet again even though I was reinstated about 3 different times with multiple apologies and no transparency. I tried to send a demand letter which I will put in the bottom. Meta employees haven't helped me as of late, I've received zero real help from XXXX, and I've done nothing wrong and I feel so isolated from my friends and family. All I want is these accounts back, this glitch has messed me up in many different ways. I already changed emails to avoid this as well. The emails to the accounts were XXXX and XXXX and the number that is used is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: AL

Complaint narrative:
On XX/XX/year>, XXXX and XXXX received a certified notice requesting Validation of Debt. As of XX/XX/year>, I have yet to receive any information from them. They still continue to call, text, and email trying to collect, but will not respond to request of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
I am disputing a {$310.00} collection reported by Rent Recovery Solutions. I do not believe this debt is valid. I have not received proper validation of this debt or documentation showing I owe this amount. I am requesting that the company provide proof of the debt or remove the account from my credit report. I never received written notice of this debt before it was reported.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App shut my account down but will not give a specific reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I requested full validation of the alleged debt, including proof of ownership or assignment, the original signed agreement, and a complete breakdown of the balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Last XXXX of XXXX : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against Jefferson Capital Systems , LLC for Reporting Fraudulent Accounts To Whom It May Concern, I am submitting this formal complaint regarding Jefferson Capital Systems , LLC for reporting fraudulent accounts on my credit report and failing to properly investigate and remove them after dispute. The accounts in question are : Account Number : XXXX Reported Balance : {$3700.00} Account Number : XXXX Reported Balance : {$2200.00} These accounts are the result of identity theft. I did not open, authorize, or benefit from these accounts in any way. I have also filed an Identity Theft Affidavit with the Federal Trade Commission to formally document this fraud. Despite disputing these accounts, they continue to be reported, causing harm to my credit profile and financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, furnishers and debt collectors are required to conduct a reasonable investigation and remove any information determined to be inaccurate, incomplete, or fraudulent. Jefferson Capital Systems has failed to comply with these legal obligations. I am requesting that the Consumer Financial Protection Bureau : Investigate Jefferson Capital Systems , LLC for non-compliance with federal law Require the immediate deletion of the fraudulent accounts from all credit reporting agencies Ensure that all collection activity related to these accounts ceases immediately Hold the company accountable for any violations of consumer protection laws This situation has caused me significant distress and potential financial harm. I am prepared to pursue further legal action if necessary to protect my rights under federal law. Please confirm receipt of this complaint and advise on the next steps in your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am submitting a complaint regarding a delayed XXXX XXXX XXXX XXXX XXXX XXXX ) buyback request that has been pending without resolution for over XX/XX/XXXX months. I completed XX/XX/XXXX months of qualifying employment in XX/XX/year> while working at eligible nonprofit employers, including XXXX University and prior qualifying institutions. I was enrolled in the SAVE repayment plan and made all required payments until XX/XX/year>. From XXXX through XX/XX/year>, I was placed into administrative forbearance due to the federal legal challenges affecting the XXXXAVE plan. During this time, I was unable to make qualifying payments despite continued full-time employment at aXX/XX/XXXX-eligible employer. To address this, I submitted a XX/XX/XXXX buyback request on XX/XX/year> ( Case # XXXX ) in order to make payments retroactively for those months and complete the XXXX requirement. Since submitting this request, I have received no substantive updates or resolution. I have contacted XXXX XXXX XXXX multiple times and was repeatedly told that my request is in process, but no action has been taken. I have also sought assistance from elected representatives without success. As a result, I remain unable to complete theXX/XX/XXXX process despite having fulfilled all employment requirements and taking appropriate steps to comply with XX/XX/XXXXguidance. I am requesting that my XX/XX/XXXX buyback request be reviewed and processed, and that I be provided the opportunity to complete the buyback so that I may fulfill the remaining payment requirement and receive loan forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have attempted to speak with someone from Transworld Systems Inc. 3 times. When I select the option to speak to a representative, the call ends. I know I owe the money, I want to arrange payment, instead of them taking my federal tax return every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CT

Complaint narrative:
I am disputing a debt being reported and collected by Absolute Resolutions LLC related to an alleged account with XXXX XXXX XXXX XXXX. This account is being inaccurately reported across my credit file with inconsistent information. Specifically, the same account number is associated with multiple entries and conflicting balances, which suggests duplicate or misleading reporting. Additionally, the account is being reported with a date opened of XX/XX/year>, which is incorrect, as I did not open any such account at that time. The account is also being reported with ongoing monthly collection activity, which misrepresents the true age and status of the alleged debt. This appears to be improper re-aging and inaccurate reporting in violation of the Fair Credit Reporting Act. The account was previously removed and later reinserted without proper notice or verification. I am requesting full validation of this debt, including the original date of delinquency, a signed agreement, and proof of assignment. If accurate information can not be provided, I request immediate deletion of all related entries. I am currently being sued by Absolute Resolutions LLC regarding this alleged debt. The inaccurate and inconsistent reporting of this account, including conflicting balances, improper re-aging, and duplicate reporting, is directly impacting my ability to defend myself in this legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NH

Complaint narrative:
I made payment on XX/XX/XXXX at XXXX XXXX. As of today, my payment, deducted from my bank acct,. has still not been credited to, or applied to my account. I called Aspire to enquire why payment had not been credited to my acct, and was told it would not be applied until XX/XX/XXXX. This is a newer card for me, but they never took longer than a day before applying payment in the past. I informed the agent I would be making a complaint to an external agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : FORMAL LEGAL DEMAND FRAUDULENT ACCOUNT / FCRA VIOLATIONS/ NOTICE OF INTENT TO LITIGATE To Whom It May Concern, This letter serves as a formal legal demand regarding a fraudulent account being reported under my name by American Express. I state clearly and without ambiguity : I have never opened, authorized, or used any account with American Express. Your organization is currently reporting and/or maintaining an account that is false, unauthorized, and fraudulent, constituting violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and other applicable federal and state laws. LEGAL VIOLATIONS INCLUDE BUT ARE NOT LIMITED TO : Failure to follow reasonable procedures to assure maximum possible accuracy Furnishing inaccurate information to consumer reporting agencies Failure to properly investigate disputed information Potential identity theft facilitation due to inadequate verification procedures FORMAL DEMANDS ( NON-NEGOTIABLE ) : You are hereby demanded to : 1. Immediately DELETE the fraudulent account from your internal systems 2. Permanently remove all reporting associated with this account from all credit bureaus 3. Provide written confirmation that I have zero liability 4. Provide documentation of your investigation and how this account was opened NOTICE OF LIABILITY : Be advised that continued reporting of false information after this notice constitutes willful noncompliance, exposing American Express to statutory and actual damages, including : Damages under FCRA Attorneys fees and costs Additional claims under state consumer protection laws Each day this account remains is a separate and continuing violation. DEADLINE : You have 15 days from receipt of this letter to comply fully. Failure to comply will result in : Formal complaints with federal and state regulators Escalation to the Attorney General Initiation of legal action without further notice FINAL NOTICE : This is your opportunity to resolve this matter immediately. I will not tolerate further harm caused by your inaccurate reporting. Sincerely, XXXX XXXX IDENTITY THEFT STATEMENT I declare under penalty of perjury that the American Express account reported under my name is fraudulent. I did not open this account I did not authorize anyone to open this account I did not benefit from this account in any way This account is the result of identity theft, fraud, or a serious reporting error. I request immediate blocking and removal of this account from all systems and credit reporting databases under applicable law. I certify that the information provided is true and correct. XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
Retaliatory Account Closure, Breach of Settlement, and XXXX Violations by Bilt Rewards To the Consumer Financial Protection Bureau : I am filing this formal complaint directly against Bilt Rewards ( XXXX XXXX ) for engaging in Retaliatory Account Closure, Bad Faith business practices, and clear UDAAP violations. XXXX. Breach of Prior Settlement & Retaliatory Closure : Prior to this incident, Bilt Rewards acknowledged severe systemic service failures on my account and formally agreed to issue a {$1000.00} compensation settlement. However, before this {$1000.00} compensation was ever credited to my account, I initiated a routine payment to clear my final remaining balance of {$2900.00}. Due to an erroneous, unannounced XXXX security hold placed by my external funding bank ( XXXX XXXX XXXX which is currently under a separate CFPB investigation ), the payment was returned. Instead of waiting for the external bank dispute to resolve, XXXX abruptly and maliciously assessed a {$30.00} XXXX XXXX XXXX and forcibly closed my credit card account. XXXX. The XXXX Violation ( Bad Faith ) : Closing a consumer 's account while a {$1000.00} compensation settlement from the institution is still pending and unpaid is a textbook example of " Bad Faith '' and " Retaliatory Closure. '' XXXX weaponized a third-party bank 's error to unlawfully terminate my account and aggressively penalize me, all while withholding the very funds they legally owed me. This abrupt closure has caused extreme disruption, exacerbated my financial hold, and severely threatened my credit profile. XXXX. Formal Demands for XXXX : Because XXXX acted in bad faith and breached our pending settlement protocol through retaliatory closure, my original settlement demand is now updated. I demand the following immediate actions from the XXXX Resolution Team : Immediate Waiver of the unwarranted {$30.00} Returned Payment Fee. The immediate disbursement of the original {$1000.00} settlement owed to me. An additional {$1000.00} in compensatory damages for the retaliatory account closure, emotional distress, and the severe reputational/credit risk caused by their ill-timed actions. ( Total Financial Demand : {$2000.00} ) I am prepared to clear my final remaining balance using an alternative routing account immediately, but I will not do so until XXXX acts in good faith, waives the punitive fees, and fully credits the {$2000.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank charge me illegally overdrafts fees during the extensively time that I was client

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: DE

Complaint narrative:
I am submitting this complaint regarding funds currently being held in my PayPal account following a permanent limitation. My account was recently limited, and approximately $ XXXX of my personal funds are now being held. I have complied with all of XXXX requests, including submitting identification and cooperating fully with the review and appeal process. However, I have not been provided with a clear explanation for the limitation or a reasonable timeline for when my funds will be released. These funds are not associated with any fraudulent activity to my knowledge and represent legitimate personal funds. At this time, I am a college student facing financial hardship, and these funds are urgently needed to cover essential living expenses, including rent and bills. Despite attempting to resolve this directly with PayPal through their support channels, I have not received meaningful assistance or a resolution. I am requesting : XXXX. A clear explanation of the reason for my account limitation XXXX. A defined timeline for the release of my funds XXXX. Consideration for early release of the held balance due to financial hardship I respectfully ask for assistance in resolving this matter and ensuring that my funds are returned in a timely manner. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc is harassing me about a {$2200.00} debt that I do not owe. This debt is a result of identity theft. The spelling of the name is wrong on the account in which they are trying to collect a debt for. According to the company Midland Credit Management, the account was said to be opened in XXXX at a XX/XX/XXXX. The company is trying to take legal action by suing me for the amount. The account was bought by Midland Credit Management INC in XX/XX/XXXX. I have sent them a certified cease and desist letter to stop contacting me.

Company response to consumer: Closed with explanation