vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX, acting as a debt collector, is attempting to collect an alleged XXXX XXXX  debt on behalf of Jefferson Capital Systems , LLC. I timely disputed the debt and requested full validation. 

XXXX XXXX XXXX did not provide proper validation. They sent a generic contract, a transfer receipt, an excerpt file, and a statement of account activity. These documents do not provide clear proof that they legally own my specific debt or a complete payment history from the original creditor. 

They failed to provide a complete chain of title, a bill of sale identifying my specific account, or proof that Jefferson Capital had legal standing prior to filing the lawsuit.

Despite this, XXXX XXXX XXXX proceeded with litigation and represented that sufficient validation had been provided. Sending partial or generic documents and misrepresenting them as proper validation constitutes a violation of the FDCPA. 

I am requesting written confirmation of legal standing prior to filing suit, proper validation of the alleged debt, or dismissal of the lawsuit if such documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
XXXX  took money from my account and returned it to the sender for a reason that was not agreed upon nor was I consulted about the transfer before hand. This occurred on XXXXXXXX  for the amount {$40.00}. The amount is negligible but the idea that an honest transaction can be reversed without both parties being notified or in agreement is scary and opens the door to an unknown amount unauthorized transactions and financial disruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX payment for my credit card was due on the XXXX of XXXX, I made it on XX/XX/XXXX. 
XXXX payment was due on the XXXX of XXXX, I made it on XX/XX/XXXX. 
XX/XX/XXXX I get a Bill with a late fee of {$29.00} saying that my payment was not made. 
I called citizens bank All of my bills are paid around the first of the month. I do not make late payments. 
They refuse to listen to what their own system is saying and will not refund my {$29.00} late fee or reapply my payment properly If all of my payments are late -- where are all the late fees? There is one late fee for One misapplied payment!

I called three times and no one could understand the issue -- then miraculously all the Sups were busy - after one hung up on me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment toward my auto loan, and the lender verbally confirmed that the payment had been received and my account was in good standing. Despite this confirmation, my vehicle was repossessed on XX/XX/XXXX. My bank can verify that the payment was completed. As a result of the repossession, I experienced financial disruption, additional fees, and loss of transportation. The repossession occurred due to incorrect information provided by the lender about my payment status. I am disputing the accuracy of my account information and the improper repossession of my vehicle, and I am seeking resolution of the account and reimbursement of any fees caused by this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am submitting this complaint regarding a 90-day late payment reported by my federal student loan servicer, EdFinancial, for XXXX XXXX. 

I believed my loans were subject to a post-enrollment deferment beginning after the conclusion of my final semester in XX/XX/XXXXXXXX  and lasting six months, which would have placed my first required payment in XX/XX/XXXX. Based on this understanding, I did not expect payments to be due prior to that time. 

I later learned that the deferment or repayment start date applied to my account differed from what I was informed or understood, resulting in payments becoming due earlier than anticipated. This misunderstanding caused my account to become delinquent without my awareness. I did not intentionally miss payments. 

As soon as I became aware of the issue, I immediately brought the account back to current standing on XX/XX/XXXX. This is my first and only delinquency of any kind. My credit history otherwise reflects consistent, on-time payments across all accounts. 

I contacted EdFinancial to request clarification and assistance, including whether retroactive forbearance or administrative relief could be applied for the affected period so the resulting credit reporting could be corrected. I was advised that no such relief was available. 

I am respectfully requesting a formal compliance review and consideration of administrative or retroactive forbearance for XXXX through XX/XX/XXXX, or other appropriate relief, so that the resulting 90-day late credit reporting may be corrected. I am not disputing responsibility for the loan and have ensured the account is current. I am requesting reasonable consideration due to this first-time misunderstanding and my immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I opened a CareCredit account for a medical expense. I was never told about any promotional or deferred interest terms. I only found out about the {$800.00} interest charge and higher monthly payment when I saw it on my account. CareCredit claims the promotional terms were included in monthly statements, but I never received any clear explanation at the time I opened the account, and most consumers would not reasonably be expected to catch this by reading statements alone. This caused unexpected financial harm and also negatively impacted my 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 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Freedom Mortgage regarding serious issues involving missing funds, misapplied or uncredited payments, and the withholding of funds at closing. These matters have caused significant financial harm, confusion, and stress, and they remain unresolved despite my efforts to obtain clarification and correction. 

Throughout the life of my loan, I have experienced repeated problems with payments not being properly applied to my account. Funds were withdrawn or submitted, yet not credited correctly, leaving my account inaccurate and inconsistent with my payment history. At times, money appeared to be missing altogether, with no clear explanation or documentation provided. 

Additionally, during the closing process, funds that should have been disbursed to me were withheld without proper justification, transparency, or timely communication. I was not given a clear accounting of where these funds were held, why they were withheld, or when they would be released. This lack of disclosure and accountability is unacceptable. 

Despite multiple attempts to resolve these issuesthrough phone calls, inquiries, and requests for clarificationI have not received satisfactory answers, corrected statements, or restitution. The ongoing lack of responsiveness and failure to provide accurate records raises serious concerns regarding Freedom Mortgages handling of borrower funds and compliance with applicable lending and consumer protection laws.

I am requesting the following actions immediately :

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a misleading promotional offer I received through Credit Karma. 

Credit Karma promoted an offer stating that if I applied for a credit card and was denied, I would receive {$50.00}. I applied through the promotion, was denied for the card, and never received the {$50.00}. After the denial, the promotion disappeared, there was no record of the offer, no confirmation, and no way to track or dispute it. 

This promotion caused a hard credit inquiry on my credit report based on a financial incentive that was never honored. There was no disclosure provided at the time of application explaining why the reward would not be issued, and no clear terms or verification process made available after the denial. 

This feels deceptive and misleading. I relied on this promotion in good faith, and my credit was negatively impacted as a result. I am requesting documentation of the promotion, an explanation for why the reward was not issued, and corrective action. 

This complaint is being formally documented due to lack of transparency, misleading financial advertising, and the absence of any resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX  XXXX XXXX Jefferson Capitol System XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : * * Cease and Desist Demand * * Dear Jefferson Capitol System, This letter serves as formal notice that you must * * immediately cease and desist * * from [ clearly describe the offending activitye.g., unauthorized use of our trademark, false representations, harassment, copyright infringement ]. 

Your actions are unauthorized and unlawful and have caused, or are likely to cause, harm to our rights and interests. Specifically, you have [ brief factual description of what they did, including dates if possible ]. 

Demand is hereby made that you : 1. Immediately stop the above-described conduct ; 2. Remove or correct any related materials currently in circulation ; and 3. Refrain from any similar conduct in the future.

If you do not comply with these demands by * * [ specific deadline, e.g., 10 days from the date of this letter ] * *, we reserve all rights to pursue further legal action without additional notice, including seeking injunctive relief and damages as permitted by law. 

This letter is sent without prejudice to our rights and remedies, all of which are expressly reserved. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX I made a reservation for a XXXX XXXX  thru Capital One XXXX  ( XXXX  ). ( {$940.00} ). When I went in to the view the itinerary it was not there. I called XXXX and they informed me the reservation failed. However I was charged for the tour on my Capital card along with deducting points. I made another reservation with my XXXX to ensure we had them. I have talked with both Capital One XXXX  and Capital One Credit Card on XX/XX/year>, and XX/XX/XXXX and XXXX for a total of about 10 hours. Every time I have talked to them they assured me I would receive the reimbursement. I talked with XXXX and they confirmed I had two reservations so they canceled the Capital One XXXX reservation and refunded it. Every time I call XXXX I get transferred from the card company to the travel company back and forth and Im assured I will receive the refund. It is XX/XX/XXXX and I am no closer. This has been a nightmare. Can you help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
False personal loan reported as fraud fake phone mumber returned to resolve issue with company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX  and added a {$390.00} XXXX XXXX XXXX at checkout. The foundation was presented alongside standalone bed bases as a comparable option. There was no clear disclosure at the point of selection that this foundation requires an existing bed frame and can not be used standalone. I selected it believing it would function like the other options shown. This undisclosed limitation materially affected my purchase decision and was only discovered after delivery on XX/XX/XXXX. 

I contacted XXXX customer service requesting a refund. They refused, citing a no-return policy, and in response to my explanation about misleading presentation stated that bed frame requirements are disclosed on our website, without addressing my main concern. The disclosure exists only in a popup within a product details page listing three standalone bases, with the flat foundation at the very end. The description emphasizes compatibility with panel bed frames but does not clearly state it can not be used standalone. 

I then filed a dispute with Discover on XX/XX/XXXX. Discover denied my dispute on XX/XX/XXXX, citing the merchants nonrefundable policy and not addressing the misleading presentation or functional incompatibility of the product. I am submitting this complaint because the charge was processed for a product misrepresented at the point of sale, and I request that Discover re-evaluate this dispute considering the presentation and disclosure context, not solely the merchants return policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I started financing my vehicle XXXX of XXXX  from XXXX Credit acceptance. The vehicle was originally financed at a little over XXXX dollars. After paying for almost a year I now owe XXXX. I have had a few late payments however we have been paying where has almost {$5000.00} been applied and how do I owe more than what I originally financed for.

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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
The company stated a debt was on my credit and they were reporting it as negative when that wasent true and called many times to collect it, I rescheduled a settlement amount with them and checked my credit to see if what they were saying was true and it was not the account is 8 years old and is not on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc.
State: LA

Complaint narrative:
I have been trying to reconcile my account with XXXX XXXX XXXX regarding an installment plan. I was initially told the plan would consist of six monthly payments of {$190.00} from XXXX through XXXX, with the first payment on XX/XX/XXXX. However, I was later given conflicting information about payment dates, and the payment portal showed no scheduled payments. 

I made payments on XX/XX/XXXX and XX/XX/XXXX, but additional unauthorized charges were attempted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including a {$20.00} charge that I was never properly notified of. Representatives repeatedly provided inconsistent information, failed to confirm my payment history, and incorrectly stated that I had placed a dispute. Internal notes do not reflect the conversations accurately, and I have not received written confirmation of changes or reconciliation despite multiple emails and phone calls.

I requested a full reconciliation, confirmation of all payment history, clarification of installment scheduling, and correction of internal records and notes, but I have not received a response. Meanwhile, my account was still being charged without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosenberg & Associates Recovery Services
State: GA

Complaint narrative:
Debt collector called as was very rude and yelling advising I owe a debt that I don't owe. I think this company is a fraud.They also call me multiple times a day

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello CFPB Team, I am submitting this complaint because my credit reports contain inconsistent and incomplete information related to a XXXX XXXX account, and it does not appear accurate to me. I am formally requesting an investigation and deletion of any information that can not be verified as accurate and complete. 

Why this is urgent : I am currently trying to purchase a home, and this tradeline is negatively impacting my ability to obtain mortgage approval. It is also hindering me from clearing an employment background check. 

Account to investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation