vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL SYSTEMS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems related to an alleged XXXX balance of {$970.00}. I do not believe this account information is accurate and I am requesting that the company provide proper verification of the debt. I became aware of this collection account after reviewing my credit report. I have not received sufficient documentation showing that I legally owe this balance or that the amount reported is correct. I am requesting validation of the debt, including the original account information, payment history, and proof that Jefferson Capital Systems has the authority to collect on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Jefferson Capital Systems on my credit report. The account is listed as a collection account for approximately {$2500.00} allegedly connected to XXXX and was opened on or around XX/XX/year>. I requested proper verification and validation of this debt, including proof that Jefferson Capital Systems has the legal right to collect the debt, a complete payment history, and documentation showing the amount reported is accurate. I have concerns that the account information being reported may be inaccurate, incomplete, or unverifiable. Despite my efforts to address this matter, the account continues to report negatively on my credit report and is harming my credit standing. I am requesting that the company provide full validation of the debt and investigate the accuracy of the information being reported to the credit bureaus. If the account can not be fully verified according to the Fair Credit Reporting Act ( FCRA ), I am requesting that it be removed from my credit reports immediately. I also request that the company cease reporting any inaccurate or misleading information while this matter is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX, I formally disputed a collection claim from Columbia Debt Recovery LLC ( DBA Genesis ) regarding account # XXXX for an alleged balance of {$960.00}. The original creditor, XXXX XXXX XXXX, completed a final move-out accounting in early XXXX and certified a XXXX balance by issuing me XXXX separate refund checks : XXXX for {$300.00} issued on XX/XX/XXXX, and a final security deposit refund check for {$1400.00} issued on XX/XX/XXXX. Under XXXX XXXX XXXX XXXX, a landlord can not legally issue security deposit refunds if a balance is owed ; doing so legally establishes that the account was settled in full. Furthermore, the property management accepted rental assistance credits from XXXX XXXX, which were never properly accounted for in their final numbers. In response to my formal dispute, the collection agency mailed a letter on XX/XX/XXXX. However, they completely failed to validate the debt. They merely attached a generic copy of the original lease and an unitemized summary sheet showing flat total charges with XXXX transaction history, XXXX bookkeeping ledger, and no explanation for why XXXX refund checks were previously issued to me. They are continuing to demand payment and stating that interest is actively accruing daily at XXXX.00 % per annum, in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, a purchase I made was flagged as suspicious activity. I called the number on the screen and was told that the flagging cause been cleared. I am able to continue making purchases, but every time I log into the Bank of America app or website, I hit the Suspicious Activity Detected message which prevents me from managing my credit card. I can not view my transactions and I can not pay my credit card balance. I have called multiple days the past week. I talked to the fraud department, online banking department, XXXX credit card department, and many more, but everyone just keeps rerouting me to another department. Agents have tried to flag then unflag the account, delete the app, disable then re-enable the online banking, and change my user id. None of that has worked. I asked an agent to authorize making a credit card payment on my behalf because I am worried this issue wont be fixed before the payment is due. I only had this credit card for 1 day before running into this issue and I do not know what I can do to resolve this

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please investigate the following accounts : XXXX XXXX XXXX Account * XXXX {$710.00} Original Creditor : XXXX XXXX XXXX Reason for dispute : This account contains incomplete and unverifiable information. Please verify the ownership, balance, date of first delinquency, and full itemized accounting. XXXX XXXX Account * XXXX {$180.00} Original Creditor : XXXX XXXX Reason for dispute : This account has been previously disputed and remains inaccurate. Please verify the contract, ownership, and itemized balance. XXXX XXXX Account * XXXX {$300.00} Original Creditor : XXXX Reason for dispute : This account contains incomplete and unverifiable information. Please verify the contract, ownership, and itemized balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Block, Inc.
State: TN

Complaint narrative:
So Ill have it in the photo. But I borrowed from Cash App, XXXX XXXX XXXX XXXXXXXX so money pops on all the time. The first time I saw the debt got paid because they took it, but yet I still owed. I messaged them and didnt think much of it. Then a month later. They took that same amount when someone paid me, but yet it said I still owed. And then a third time it had me pay {$55.00}. Ive tried, they kept avoiding responsibility, I gave up and came back to it. They still are too lazy and want me to do all the work. Ridiculous. The dates and amounts are on the pic. You can also see I stopped having people pay me on Cash App because I dont owe this amount they keep penalizing me for and trying to beg for. The amount right now they say I owe is {$56.00}. And the amounts I paid were both {$52.00} on XX/XX/XXXX and XX/XX/XXXX and then {$55.00} was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year> I ask them help me with a credit card charge I never use because I cant get into my account because someone hack my account and they making me pay {$9000.00} on a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PRG Ventures, Inc
State: FL

Complaint narrative:
I am submitting a formal consumer complaint against Prog Services , Inc. ( d/b/a XXXX XXXX ) for systemic consumer protection violations, non-compliance with statutory notice requirements, and unfair trade practices regarding their automated onboarding infrastructure. I attempted to establish an account to access an earned wage cash advance. Despite providing accurate, truthful personal identifiers that align with my legal records, the applications automated system issued an immediate rejection screen stating : " We are unable to verify your identity based on the information provided. '' When attempting to contact support to correct this error, the platform 's automated chat agent explicitly stated : " Identity verification failed XXXX This decision is final, and manual reviews aren't available. '' Public data shows this is a widespread design flaw. Numerous consumer reviews on the XXXX XXXX XXXX document an identical pattern : the platform collects comprehensive, sensitive personal data from consumers during the application phase, instantly rejects them via an unverified algorithmic barrier, and completely denies human escalation or data-correction channels. This corporate practice violates multiple consumer protection statutes : XXXX Federal Equal Credit Opportunity Act ( ECOA ) & Fair Credit Reporting Act ( FCRA ) : By denying access to financial services based on third-party automated verification tools without providing an Adverse Action Notice or disclosing the specific database/consumer reporting agency used, the company is violating federal disclosure mandates. XXXX Florida Deceptive and Unfair Trade Practices Act ( XXXX ) ( XXXX. XXXX, XXXX XXXX, XXXX. XXXX. ) : It is an unfair and deceptive practice to harvest a consumer 's complete personal information under the premise of a financial service application, only to trap them in an unnavigable automated loop that completely bars standard Customer Identification Program ( CIP ) manual remediation or legal recourse. I demand that a corporate compliance XXXX manually review my government-issued identification to override this database failure and ensure my personal information is either fully validated or purged from their active systems. XXXX is my current phone number if you need to reach me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
My balance is being misreported to the credit bureau Payments not accounted for Payments returned without presented to bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On or around XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. During the transaction, I experienced a rushed and confusing financing process that lasted several hours. I initially led to believe I was approved through a different finance company, but later discovered the vehicle loan had been placed with GM Financial without clear explanation or understanding of how the financing changed. The loan carries a XXXX % APR over XXXX months, resulting in total repayment of nearly {$50000.00} on approximately {$23000.00} financed. I believe the loan terms are excessive and potentially predatory. I also have concerns regarding the handling of electronic signatures and disclosures during the transaction. Several sections of the contract appear incomplete or marked N/A, including optional product and insurance sections. I question whether all documents and electronic signatures were properly authorized and explained. Shortly after purchase, the vehicle had mechanical issues that the dealership initially agreed to repair. I was instructed to return, but upon returning was told additional paperwork needed to be signed before repairs would be addressed. I also question whether a proper inspection of the vehicle was completed before sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My father have send me XXXX $ from XXXX through XXXX XXXX directly to my bank checking account of wells fargo XXXX TX XXXX. On XX/XX/year> Very next day XX/XX/year> i received text message from XXXX XXXX that your money transfer date is XXXX XXXX and you received your fund on XXXX XXXX i check with tracking no using XXXX XXXX they say money successfully delivered first i check my account but i dont received i wait 3,4 days but nothing happens then i call to bank and they refused that they did not receive money yet From that day i contact wells Fargo and XXXX XXXX soo many times my father who send money contacts the XXXX XXXX us and XXXX Both but they all say your money is successful deposit they give us tracing no i asked bank and bank say we dont received your funds i am gon na attached all the proofs that i received from XXXX XXXX and my bank statement as a proof i also go and meet with branch manager of wells fargo XXXX but they say we dont received your funds now today i got a mail from XXXX XXXX i want to share receipts to you so you can check and make a strong case for my XXXX $ I wish you guys help me out to find money or i am sue to wells fargo or 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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding my banks unlawful holds on my deposited funds. This has been an ongoing activity with every institution the last 2 years and I can no longer tolerate the abuse. Only difference this year is the Executive decision makers havent made a decision. My bank has once again placed a hold on my funds without a valid reason. I recall XXXX XXXX XXXX last year, I was dealing with the same issues without regard. Being shrewdly told to have a good XXXX XXXX weekend while harboring my funds with no valid interpretation to why. Under Federal Guidelines I am legally supposed to have written notices on exactly is the cause, a specific release date which is required by Federal Law. Under Regulations CC, banks are obligated to make available {$220.00} the following business day. Remainder within XXXX business days. Exceptions holds fraud, new bank account can not exceed 11 business days and require a written notice with a specific reason for the hold. My bank has exceeded those limits as my account is stated a hold 3-5 to 14-30-45-90 or indefinite. Without a valid cause or written letter addressing the hold. This is causing extreme emotional hardship as Ive been unable to operate my newly formed business. Unecessary delays to cause intentional hardships. The Bank is aware of the XXXX rule, Replacing my mailing address with another business in remittance is also causing credit payments issues. I am requesting CFPB require the bank to immediately release the held funds. Provide explanation for the hold. Provide documentation on any exceptions hold. Confirm compliance under Regulations CC rule in California Financial Code 2102 BMO XXXX XXXX XXXX Business Checking Account XXXX, California XXXX Unlawful Extended Holds of Deposited Funds XXXX XXXX XXXX XXXX XXXX Area Also requesting a response from BMO Executive office concerning this situation.

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), that you are to cease all communication with me regarding the alleged debt you claim I owe. Under 15 U.S. Code 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease communication with the consumer except to : 1. Advise that further efforts are being terminated, 2. Notify the consumer that the debt collector or creditor may invoke specified remedies, or 3. Notify the consumer that the debt collector or creditor intends to invoke a specified remedy. I do not admit to owing this alleged debt. You are hereby instructed to cease all contact with me immediately, including but not limited to phone calls, letters, emails, or contact through any other means. If you continue to contact me after receipt of this letter for any reason other than the exceptions listed in the statute, you will be in violation of federal law, and I will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ) and/or pursue appropriate legal remedies. Please confirm in writing that you have received this notice and that all communication has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: Early Warning Services, LLC
State: NY

Complaint narrative:
On two separate occasions money, via Zelle was sent to me by an unknown person/company. IMMEDIATELY contacted bank for suspicious activity and have funds removed from my account. Both times i was suspended from using zelle. The first time they lifted the suspension after funding I've done nothing wrong. Five months later it happens again, from the same person and i was again suspended from Zelle. This time they are unwilling to lift suspension. I have done nothing wrong. I can block this person and the bank said they can't block this person. XXXX says Zelle has to lift suspension and Zelle says no its XXXX that has to. I need this rectified please. I reported fraud on my account and I got suspended!??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kikoff Inc.
State: TN

Complaint narrative:
I see collection on my credit report this not my collection account open by scamer please I need it removed immediately before I take action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please investigate the following accounts : XXXX XXXX XXXX Account ending XXXX Repossession Reason for dispute : This account is within the early exclusion window and should be removed. XXXX XXXX XXXXXXXX XXXX Account ending XXXX {$770.00} Original Creditor : XXXX XXXX XXXX for dispute : Balance, ownership, and dates require verification. XXXXXXXX XXXX Account ending XXXX {$180.00} Original Creditor : XXXX XXXX XXXX for dispute : Previously disputed ; still inaccurate. XXXXXXXX XXXX Account ending XXXX {$300.00} Original Creditor : XXXX Reason for dispute : Incomplete and unverifiable information. XXXX XXXX XXXX Account ending XXXX {$710.00} Original Creditor : XXXX XXXXXXXX XXXX Reason for dispute : Incomplete and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Accounts opened in my name. Deposits made from irs returns and withdrawn the same day

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