vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding restrictions on my use of Zelle. I have previously used Zelle without issue for peer-to-peer transactions. However, with my current bank account, I am unable to enroll or use my phone number XXXX with the service. When I contacted my bank, I was informed that they could not identify the reason for the restriction and advised me to contact Zelle directly. I am seeking clarification as to whether a restriction has been placed on my phone number, by whom it was imposed, and for what reason. I also request information on whether this restriction can be reviewed and removed, as it is preventing me from accessing standard banking functionality. This complaint is very similar to my prior complaint to early warning services regarding my XXXX account. I was hoping it was possible to escalate this problem to XXXX XXXX XXXX 's executive team ( or any other higher up ) and see if they can solve this problem thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
on XX/XX/XXXX I rented a vehicle for XXXX day, returned on XX/XX/XXXX authorization was {$290.00}. When I returned the vehicle I never received my final receipt or my deposit and they wee still trying to charge my card which kept being denied by Current. After several calls to corporate they sent me an updated receipt showing the contract was never closed out and that I was charged for XXXX days. I immediately called corporate and they stated this would need to be rectified with the branch because they never closed out the contract.At this time I had not been billed when they sent me this on XX/XX/XXXX. I looked online and found this rental company had a history of doing this and was recently sued and fined by the courts for issues it caused consumers including false charges and arrests. Then all of a sudden on XX/XX/XXXX I checked my card and I was almost {$3200.00} in the negative, they had according to Current card did a force sale transaction. I called Current card an hour after it hit the card and they stated it was a settled charge and I had to file a dispute. Up until yesterday when I looked in transaction history the only settled charge from them was {$290.00} on XX/XX/XXXX and when I filed dispute it magically changed. I submitted original receipt and proof that this company has a history of doing this and was fined. They denied dispute and when I asked for the paperwork and proof rental agency was even paid they are not responding. This is a secured card and I never opted for over the limit protection nor would I even think I had that because they deny charges for sometimes XXXX XXXX dollars. Additionally my card was locked. They stated they have to honor since it is settled and that is a lie. They can deny any transaction, I did not authorize it. If thats the case I can go to a dealership and have them force charge and card will pay it according to them. The money i had in the account was taken and I am still {$2300.00} in the negative and they keep giving me blanket answers. I ask for a supervisor they state they do not have XXXX. I am not paying it and if this card issuer does not know what it is doing and allows this then that means any cardholder can tell a merchant to do a force sale and according to Current they will pay no matter the amount which is ludicrous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
2 days ago, I send the recipient, XXXX XXXX XXXX with the email XXXX, XXXX euros. Before attempting another transaction, since she never notified me having received the money, I asked her if she had and being sick, answered she had not. I notified Paypal which, within minutes, took the money out of her paypal account but did not refund me, telling me that the resolution would not be made until XX/XX/XXXX. Paypal intends to keep money it took without investigating whether they should or not and keeping it for 3 months. That is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 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: CA

Complaint narrative:
XX/XX/year> : Paid {$88.00} to XXXX XXXX XXXX XXXX XXXXXXXX screen repair. Upon receiving the device, the loudspeaker was non-functional. XX/XX/year> : I returned to the shop. The merchant inspected the phone, admitted the audio issue, and stated he would order a replacement charging port to fix it. He has since " ghosted '' me and failed to provide the repair. XX/XX/year> : I obtained a professional diagnostic from XXXX ( XXXX ). The technician, XXXX, provided a written statement confirming that the previous repair shop " mangled '' the charging port. The Technical Failure : The mangled pins prevented the loudspeaker from making a proper connection. This damage occurred during the initial screen assembly transfer. The Dispute : XXXX reversed my dispute, citing the merchant 's " All Sales Final '' policy. I am appealing because a " Final Sale '' does not waive a merchant 's liability for physical damage caused to unrelated components during a repair. XXXX is ignoring the Fair Credit Billing Act protections regarding " Quality of Service. '' The " All Sales Final '' policy does not legally exempt a merchant from liability for physical property damage ( mangled internal pins ) caused by gross negligence. The merchant 's verbal agreement to order a part constitutes a de facto admission of fault, which was subsequently abandoned. Discovers refusal to acknowledge third-party expert evidence ( uBreakiFix ) is a failure of their dispute investigation process. The representative stated XXXX can not proceed without merchant consent. This is a violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). The FCBA requires the creditor to conduct a reasonable investigation into a 'Goods or Services Not as Described ' claim. A certified third-party diagnostic proving property damage has been provided. The merchant 's refusal to consent to a credit does not waive XXXX 's legal obligation to reverse a charge for defective labor and collateral damage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Creditly Corp.
State: FL

Complaint narrative:
Took out a payday advance on XX/XX/XXXX, repayment terms were for XX/XX/XXXX, they immediately took back {$100.00} on XX/XX/XXXX didnt show the payment covered and then took it again on XX/XX/XXXX. I want to report them as a fraud and get my {$100.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am disputing an alleged debt of {$650.00} being collected by Aldous & Associates on behalf of XXXX XXXX XXXX XXXX. Prior to the account being sent to collections, the original creditor placed the account on a hardship freeze and offered a settlement to close the account for {$150.00}. No explanation has been provided for how the balance increased to {$650.00}. On XX/XX/year>, I submitted a written dispute and request for validation electronically. I also sent an identical copy via USPS Certified Mail, which tracking confirms was delivered on XXXX XXXX XXXX XXXX XXXX XXXX Despite receipt of my dispute, I received a voicemail from Aldous & Associates later that same day at approximately XXXX XXXX I then sent follow-up emails on XX/XX/XXXX and XX/XX/XXXX requesting confirmation that collection activity had ceased and again requesting validation. As of XXXX I have not received any validation or written response regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Complaint Against Jefferson Capital Systems Inaccurate Debt Reporting and Failure to Validate I am filing this complaint regarding inaccurate information being reported and collected by Jefferson Capital Systems on an account originally associated with XXXX. The balance being reported and collected is not accurate and is currently disputed. This account stems from a billing discrepancy involving XXXX, where a promotional agreement for approximately XXXX % off the device price was not properly applied. As a result, the balance being pursued does not reflect the amount I originally agreed to pay. Despite this dispute, Jefferson Capital Systems is attempting to collect and/or report a balance that has not been properly validated and does not reflect the correct contractual amount. I am formally disputing the accuracy of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt collector must report accurate information and must be able to validate the debt, including the correct amount owed. At this time, the balance being reported is inaccurate due to the unresolved billing error with the original creditor. I am requesting the following : XXXX. Full validation of the alleged debt, including documentation supporting the amount being claimed XXXX. Verification that the amount reflects the original agreement, including any promotional pricing XXXX. Immediate correction or deletion of any inaccurate information being reported to credit bureaus XXXX. Cessation of collection activity until the debt is properly validated If Jefferson Capital Systems is unable to provide adequate validation of the amount being reported, I request that this account be deleted from all credit reporting agencies. I request a timely investigation and response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My bank accounts for the last 7 years have been hacked and stolen from and its continuing on this new account and I cant even get a debit card sent to me in the mail. Someone cashed a check on my account. I went to the bank and told them and showered them. They insisted it was a withdrawal when it clearly said cashed check on hold. Im being robbbed and exploited while on XXXX and need legal help. Everywhere I turn I am blocked from getting it and the money flows right into another account in my name but its not me that has the money or ever gets the money back. Its someone else and its been going on. For way too long.

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 2026-04-23 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: GA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA XXXX USC XXXX. I need these items blocked and removed from my report as soon as possible.

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 2026-04-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a long-time American Express cardholder in California disputing approximately 16 months of unauthorized recurring charges from a merchant appearing on my statement as XXXX XXXX XXXX ( also operating as XXXX Options ) at {$130.00} per month, totaling approximately {$2200.00}. American Express has already ruled in my favor on three charges under the standard dispute process : Case XXXX ( charge dated XXXX XXXX, XXXX ) : credited Case XXXX : credited Case XXXX ( charge dated XX/XX/XXXX ) : credited XXXX additional charges are currently under review ( XXXX and XXXX ). All five fall within AmEx 's 120-day courtesy window. AmEx has declined to review eleven earlier charges totaling approximately {$1500.00}, billed between XX/XX/XXXXXXXX and approximately XX/XX/XXXX, stating they fall outside the 120-day window. The facts supporting the three successful credits apply identically to the eleven earlier charges : I sent a written cancellation to the merchant on XX/XX/XXXX. The merchant replied on XX/XX/XXXXXXXX acknowledging receipt and offering a free extension, which I did not accept. On XX/XX/XXXX, the merchant admitted in writing : " Your XX/XX/XXXX email was received and we responded the very next day. '' That admission confirms my cancellation was received 16 months before billing stopped. The merchant 's conduct violates the federal Restore Online Shoppers ' Confidence Act ( ROSCA, 15 U.S.C. 8403 ) and the California Automatic Renewal Law ( Cal. Bus. & Prof. Code 17600-17606 ), which require express informed consent before charging. Under Regulation Z ( 12 CFR 1026.12 ), unauthorized use of a credit card is treated separately from billing errors, and American Express has discretion to address it outside standard windows. American Express has already validated this dispute by crediting three charges on the same facts. The only distinction AmEx has drawn for the eleven earlier charges is the 120-day window, which is an internal policy choice, not a factual distinction about whether the charges were authorized. I attempted direct resolution with the merchant XXXX XXXX XXXX The merchant offered only a two-month refund conditioned on withdrawing the AmEx chargebacks, which I declined. My XX/XX/XXXXXXXX deadline passed without further response. Full email thread with the merchant is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Basically Jefferson capital has took over a debt from XXXX on an account I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-04-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be from the banks fraud department. The caller sent real verification codes via SMS and email and convinced me to provide them under the pretense of securing my account. This resulted in a full account takeover. Scammers then made XXXX large unauthorized XXXX charges via XXXX Pay totaling {$27000.00} ( {$6000.00} + {$4000.00} + {$10000.00} + {$6000.00} ) at XXXX XXXX # XXXX in New York. They also changed the phone number and email address on file and requested a new virtual card. I reported the fraud the same day and filed a police report with the XXXX XXXX Police Department ( Case # XXXX ). The bank has only reported ~ {$20000.00} as dispute in progress. The remaining ~ {$6100.00} in fraudulent charges are still posted on the account. Despite numerous calls, chats, and emails ( including tickets # XXXX and # XXXX ), there has been almost no meaningful progress or timeline for full resolution. I am requesting that the bank immediately remove the remaining fraudulent charges, restore my full credit limit, and provide proper compensation for the prolonged inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. An account originally opened with XXXX XXXX XXXX was opened fraudulently without my knowledge or authorization and has since been placed into collections with LVNV Funding LLC. I did not apply for, authorize, or benefit from this account. I formally reported this identity theft through the Federal Trade Commission ( http : //IdentityTheft.gov ) and filed a police report with my local law enforcement agency. I provided these official reports to LVNV Funding and requested that they investigate and remove the fraudulent account. I also requested full validation of the alleged debt, including a signed agreement, proof of authorization, and complete account records. LVNV Funding failed to provide any competent evidence that I am responsible for this debt. Despite being notified that this debt is the result of identity theft and receiving official documentation, LVNV Funding continues to report this account to the credit bureaus and attempt collection. This constitutes a failure to reasonably investigate disputed information and the continued reporting of inaccurate information. Their actions are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate reporting and proper investigation of disputes, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires validation of debt upon request. Continuing to collect and report a debt known to be fraudulent is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraud agent blocked my account and flagged it for account taken over after I verified all my information several times.

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