vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson Capital Systems is engaged in negligent and unlawful credit reporting on my XXXX file. They have listed a collection account claiming I owe money for a XXXX account. This is entirely impossible and a case of mistaken identity or gross negligence. I have never had an account with XXXX. My cell phone history consists strictly of XXXX XXXX prepaid serviceswhere I bought my phones in full and used prepaid cardsand I am currently a XXXX customer. I have never had a postpaid service or a line of credit with XXXX. Jefferson Capital Systems is violating the FDCPA and FCRA by reporting completely unverified, inaccurate information that is severely damaging my credit score. I have already disputed this with XXXX. I demand that Jefferson Capital immediately investigate this corporate error, cease all collection attempts, and permanently delete this fraudulent trade line from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
I purchased the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX jointly with my daughter, XXXX XXXX. XXXX XXXX provided our loan, and until recently, all communication had been received without issue. To request a payoff statement, I contacted the same realtor and his associate, XXXX XXXX, who previously assisted with the transaction. XXXX XXXX responded by text, indicating he could help obtain the payoff statement. Shortly afterward, I discovered that my email to XXXX XXXX had been blocked, raising concerns about the handling of my request in violation of 12 CFR 1026.36 ( c ). As XXXX XXXX is the only loan officer at this branch, his refusal to receive communication directly impacts my ability to obtain the required documentation. My mortgage payments have always been made on time, and I am entitled to receive a payoff statement upon request. I am filing this complaint to ensure that the payoff statement is provided promptly and to address what I believe to be unethical and obstructive conduct by 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 2026-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge of {$8900.00} was processed on my Bank of America XXXX XXXX account ending in XXXX by a former authorized user, XXXX XXXX XXXX, who was no longer authorized to use the account. The merchant description on the same business credit card was XXXX XXXX XXXX XXXX a circular self-processed transaction in which no legitimate goods or services were exchanged a non bona fide transaction. I contacted Bank of America by telephone on XX/XX/XXXX within 60 days of the statement closing date of XX/XX/XXXX and initiated dispute claim XXXX. Bank of Americas own CFPB complaint response letter dated XX/XX/XXXX ( XXXX XXXX ) confirms this dispute date, yet their XX/XX/XXXX denial letter claims the transaction is past the time period for you to notify us of an error. This is a direct contradiction within Bank of Americas own documentation and constitutes a material misrepresentation. Bank of America denied the dispute multiple times citing chip/PIN/signature, and refused to properly investigate the circular nature of the transaction or the unauthorized users fraudulent conduct. I have text message admissions from the former authorized user acknowledging the charge and promising payment, which Bank of America never considered. I am now pursuing arbitration and have filed complaints with both the CFPB and OCC. I am requesting this complaint be reviewed as a new matter based on Bank of Americas misrepresentation in their prior CFPB response. XXXX CFPB XXXX 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 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I settle my debt with Exeter finance and they still have not reported the debt as settled nor paid. Which I was informed that the debt will be able to be updated quickly. I do have proof of payment and letter. If this isnt resolved I would like this deleted quickly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, chase had a major bug with XXXX. I was put in negative by {$4200.00} and they took my savings money. It shows that I owe them, but they owe me. It was an internal error and was never fixed. I wasnt able to get approve for any other banking products since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dear Collector, I am writing to formally dispute the validity of the debt referenced above.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting written verification of this debt. Specifically, I am asking you to provide : The name and address of the original creditor.The original account number associated with the debt.An itemized accounting of the current amount of the debt, showing principal, fees, interest, and credits since the original account went into default.Proof that your agency is authorized to collect this debt on behalf of the creditor.Please note that this is not a refusal to pay, but a request for validation. Under the FDCPA, you must cease all collection efforts until you obtain and mail verification of this debt to me.Furthermore, if this alleged debt is beyond the statute of limitations for filing a lawsuit in my state, please be advised that I am not acknowledging the debt and will not make any voluntary payments.I look forward to receiving your prompt response.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
LoanMart repossessed my 2014 XXXX XXXX from the fourth floor of a casino parking garage approximately XXXX hours from my residence. About XXXX hour before the repossession, LoanMart called me but did not ask for or receive my location. Despite this, the repossession agent appeared at the exact location of my vehicle. LoanMart has not explained how it obtained my location, and no repossession receipt or documentation was provided. I am requesting a CFPB investigation into whether GPS tracking, telematics, license plate recognition technology, geolocation services, or other tracking methods were used and whether LoanMart complied with all applicable repossession and consumer-protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My Statement balance with my credit card are not adding up. My statement balance goes from being XXXX to it being XXXX approximately, thats almost {$300.00} more when i had just finished giving my credit card {$500.00} so my statement balance should have lowered. I have receipts of my payments and the amount i owe for the next time and it not adding up. I tried to dispute this with my credit card and they gave me the run around i asked for a proper investigation with their account department and fraud and they dismiss me i asked to speak to a supervisor and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was trying to pay for a service and it was sent to the wrong person and I asked Cash app to stop the transaction but they said it has to go through and I was to send a request to the person for them to return the funds.but I feel if they would have stopped the transaction before it was completed I wouldn't have lost my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime debit card was fraudulent used, I disputed the charges, provided a police report and FTC identity theft report and they still denied my claim..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Capital One for the following violations related to a missing push to debit deposit of {$1200.00} dated XXXX XXXX XXXX to my debit card ending in XXXX. Capital Ones own supervisor confirmed on XXXX XXXX XXXX that the {$1200.00} transaction hit my account on XXXX XXXX XXXX and then left my account. Capital One can not determine where the funds went. My complete bank statement covering XXXX XXXX XXXX XXXX XXXX XXXX shows no credit of {$1200.00} posted to my account from XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX or any date thereafter. Capital One has committed the following violations : 1. Failure to issue provisional credit within 10 business days of my XXXX XXXX XXXX dispute filing as required under Regulation E 12 CFR 1005.11 2. Failure to provide written denial notice as required by federal law. Denial was communicated verbally by phone only. 3. Original denial issued on XXXX XXXX XXXX without ever running retrieval reference number XXXX provided by XXXX XXXX on XXXX XXXX XXXX. This constitutes an incomplete investigation. 4. Capital Ones debit operations team ran this retrieval reference number through ACH on XX/XX/year> instead of through the XXXX debit card network where this push to debit transaction was processed. This is an improper trace method that will return no results and does not constitute a legitimate investigation. 5. Supervisor confirmed funds hit my account and then left with no explanation of where they went. Capital One has been unable to account for {$1200.00} that their own records show arrived in my account. Capital One has opened reinvestigation under escalation number XXXX as of XXXX XXXX XXXX but has refused to issue provisional credit during the active reinvestigation period and has provided no resolution timeline. XXXX XXXX CFPB complaint response states funds were delivered. Capital Ones supervisor confirms funds hit the account. Neither institution has returned my {$1200.00} and neither can explain where it is. I am requesting the CFPB investigate both institutions simultaneously and require Capital One to issue provisional credit of {$1200.00} immediately while the reinvestigation is active. Active case references : XXXX XXXX CFPB Complaint ID : XXXX Capital One Reinvestigation Escalation Number : XXXX FTC Report Number : XXXX OCC Complaint filed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Newer systems didnt process the modification properly and did not go through their computer system and I was told it was completed. My trial payments would start in XXXX XXXX XXXX at {$1100.00}. The next day XX/XX/year> I called in to verify and no modification on file and I have been fighting them since. They will not honor what the notes said in the account and want me to have a payment over {$1200.00} plus monthly. The VA stated they should honor his modification but they will not. They also overdrafted my account with unauthorized payment after I said I would call it in. They owe me {$270.00} in overdraft fees Sorry on way to work I dont have paperwork with me such as account number.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MD

Complaint narrative:
Subject : Inaccurate and inconsistently reported credit information across bureaus request for reinvestigation and deletion. I am submitting this complaint regarding inaccurate and inconsistently reported information on my credit report across the XXXX major credit reporting agencies : XXXX XXXX XXXX XXXX I disputed the same account with all three credit bureaus. XXXX XXXX XXXX completed their investigations and removed the account from my credit reports. However, XXXX has stated that the account was verified and continues to report it as accurate. This is a clear inconsistency in reporting and investigation results for the same account, which raises serious concerns about the accuracy and reliability of the information being reported by XXXX If the account was unable to be verified by XXXX XXXX XXXX it is unreasonable and unfair for XXXX to claim it has been verified without providing any meaningful explanation or documentation of how this verification was conducted. I am requesting the following actions : XXXX. Immediate reinvestigation of this account with proper validation procedures. XXXX. Full disclosure of the method of verification used by XXXX XXXX. Removal of the account if it can not be properly verified and consistently reported across all three credit bureaus. XXXX. Correction of my credit report to ensure accurate, complete, and consistent reporting. This inaccurate reporting is negatively affecting my credit profile and financial standing. I am requesting a fair and thorough review of this matter. Supporting documentation is attached, including dispute results from XXXX XXXX XXXX showing deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had fraudulent charges on my debit card. I promptly reported them to discovery by phone and mail they said they would provide temp credit while the investigation went under way which is my right under our contract they never gave me my temp credit and now due to fraud on my card Im losing my house

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
My money was deposited from its to unknown cash app account im trying to retrieve my money I have trace number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Subject : Disputed XXXX XXXX XXXX Collection Account, Failure to Validate Debt, and Concerns Related to XXXX XXXX XXXX Data Breach Complaint : I am filing this complaint against Credence Resource Management regarding a collection account in the amount of {$3600.00} allegedly owed to XXXX XXXX XXXX. I dispute this debt and have serious concerns regarding the accuracy and validity of the information being reported. Credence Resource Management is furnishing information that is damaging my credit profile without providing sufficient evidence that I am legally responsible for the alleged balance. In addition, I am concerned that this account may be affected by the well-publicized XXXX XXXX XXXX data breaches that exposed customer information. Given the exposure of sensitive customer data, I believe additional scrutiny is warranted to ensure that any account attributed to me is accurate, legitimately mine, and supported by proper documentation. Because of these concerns, I request that Credence Resource Management provide : * A complete account history from XXXX XXXX XXXX. * Copies of any service agreements, applications, or contracts bearing my signature. * Documentation showing the services allegedly received. * A complete itemization of the balance claimed. * Documentation proving Credences authority to collect the debt. * Documentation establishing that the account information was not compromised, affected, or inaccurately attributed due to identity theft, fraud, or any data-security incident. * The date of first delinquency and complete chain of assignment of the account. Under the Fair Credit Reporting Act, companies furnishing information to credit reporting agencies must ensure the information they report is accurate and complete. Reporting information that can not be verified through a reasonable investigation may violate federal law. I request that Credence Resource Management and XXXX XXXX XXXX conduct a thorough investigation and either : 1. Provide competent evidence establishing that this debt belongs to me and that the amount is accurate ; or 2. Delete the account from all consumer reporting agencies and cease collection efforts. Until the debt is fully validated, I request that the account be marked as disputed with all credit reporting agencies. Desired Resolution : * Complete validation of the debt with supporting documentation. * Investigation into whether the account information was affected by identity theft, fraud, or data-security incidents. * Deletion of any information that can not be verified as accurate. * Written confirmation of the investigation results. Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I pulled my credit report on XXXX XXXX XXXX and found a collection account from Transworld Systems Inc. showing XXXX as the original creditor with a balance of {$340.00}. That report was the first time I ever knew this account existed. Transworld never sent me a single letter in the mail before placing this on my credit. No notice, nothing telling me a debt existed, and nothing telling me I had any right to dispute it. The first and only place I have seen this account is on my own credit report. I sent Transworld a written dispute and validation request on XXXX XXXX XXXX asking them to prove this debt is mine and that they have the legal right to collect it. I asked for the original signed agreement, a full itemized accounting of how the {$340.00} was calculated, the chain of title showing how this account moved from XXXX to them, and proof of the notice they were required to send me, including the address they claim they mailed it to. They have not provided anything that actually validates this account or proves they ever gave me the notice the law requires. This account is doing real damage. It is sitting on my credit report as a collection while I am being turned down and charged more because of it, and it is creating constant stress in my household over a debt that was never properly validated and a notice I never received.

Company response to consumer: Closed with explanation