vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS/ IDENTITY THEFT / UNVERIFIABLE DEBT REPORTING To Whom It May Concern : I am formally disputing the account listed on my consumer report as fraudulent, inaccurate, and unverifiable. I have never entered into a contractual agreement with these companies, nor have I signed any original contract bearing my wet-ink signature obligating me to these alleged debts. Furthermore, I have reason to believe these accounts are connected to identity theft and/or unlawful reporting practices. I previously submitted identity theft documentation and disputes regarding these accounts, yet they continue to appear on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts are disputed in their entirety : JEFFERSON CAPITAL SYSTEMS Any associated collection accounts, late payments, charge-offs, or related reporting connected to these alleged debt I specifically dispute the accuracy, ownership, and legal enforceability of these accounts. Additionally, the alleged original creditor reportedly sold or transferred the debt to third-party collection agencies. However, no lawful validation or contractual proof has ever been provided to me demonstrating : That I entered into any agreement with these companies That the debt was lawfully assigned That the collector possesses legal authority to collect or report the debt That proper verification procedures were followed Under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681b 15 U.S.C. 1681c-2 you are required to conduct a reasonable investigation and remove any information that can not be properly verified. Therefore, I demand the following : 1. Immediate deletion of all fraudulent, inaccurate, unauthorized, and unverifiable accounts from my consumer reports 2. Removal of all associated late payments, charge-offs, collections, and negative reporting 3. Removal of all unauthorized inquiries lacking permissible purpose 4. Copies of all original signed contracts bearing my wet-ink signature 5. Complete chain of assignment and ownership of the alleged debt 6. Full accounting records and payment histories 7. The method of verification used during your investigation 8. The name, title, address, and phone number of every person or entity contacted during reinvestigation If these items can not be fully verified with competent legal documentation, they must be permanently deleted from my consumer file immediately. Continued reporting of fraudulent or unverified information after notice may constitute willful noncompliance under the FCRA and may subject the reporting parties to liability for damages. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: LA

Complaint narrative:
Cease and Desist Communication Account # XXXX Jefferson Capitol XXXX XXXX XXXX phone number XXXX Whom It May Concern, This letter serves as formal notice that I am requesting you to immediately cease and desist all communication with me regarding the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Account Number : XXXX You are hereby instructed to stop all forms of communication with me, including but not limited to phone calls, letters, emails, and any other contact methods. Additionally, you are not to contact any third parties regarding this matter. Be advised that any further communication beyond what is permitted by law will be considered a violation of federal law, and I am prepared to document and report such violations to the appropriate authorities, including the Consumer Financial Protection Bureau and my state Attorney Generals office. You may only contact me to confirm that no further contact will be made or to notify me of any specific legal remedies you intend to pursue. Please ensure that this request is processed immediately upon receipt of this letter. Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I have been waiting for a decision on my XXXX buyback for over 17 months now since XXXX of XXXX. I would like to pay my buyback amount and have my debt forgiven but they will give me no updates. There are people who have had buyback requests much less long than I have and had approvals. I appreciate any help

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
On XXXX I submitted a request for PSLF buyback ( case number XXXX ). I received no followup or additional information since that date. On XXXX XXXX XXXXXX/XX/XXXX ( reference ID XXXX ), i initiated a formal chat with FSA for more information and was told my request was still " pending '' and there was nothing I could do and no way to contact the department overseeing the review of my case. I filed a formal complaint regarding this issue and received no response. Buyback cases are to be processed within 45 days. It has been over 500 days since my request was submitted with no response from FSA. Since the time I applied for buyback, FSA is no longer using the same formula to determine repayment amounts, meaning my repayment amount will be higher than it was when I applied a year and a half ago. I have been robbed of PSLF relief as a result of this major delay to processing. Additionally, this delay far exceeds the average processing time of 6-12 months for 80 % of applicants and is unacceptable

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CHIME/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Certified Mail, Return Receipt Requested Original Creditor : CHIME/XXXX XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1 A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2 An itemized statement of the account from day one, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3 Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4 Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within thirty ( 30 ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft and unauthorized transactions related to my SDCCU account. I discovered the issue after receiving statements and credit inquiries for accounts I did not open. I also lost access to my XXXX and XXXX XXXX accounts during this time. I submitted a dispute to SDCCU along with supporting documentation, including a police report, FTC XXXX report, and identification documents. SDCCU denied the dispute and stated the information was being reported accurately. I submitted a second dispute with additional identification documents, and the dispute was denied again. I am not disputing that the balance exists. I am disputing that the transactions and activity were authorized by me. The charges were fraudulent and made by someone who gained unauthorized access to my information and accounts. The account is now negatively affecting my credit report with at least XXXX credit bureau. I requested information regarding the investigation and denial, but SDCCU has not provided sufficient evidence showing that I authorized these transactions. I am requesting that SDCCU properly investigate this identity theft claim, stop reporting the account as valid, and correct any inaccurate credit reporting related to these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have tried for the past week to close my PayPal account .i have tried both in their app and on their website. I click the link and directs me to their Ai chat. The ai chat gives me the same link that doesnt work and just loops me back and forth .and then when I ask to speak to a rep it always says none available. I WANT MY PAYPAL ACCOUNT CLOSED : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
The Army and Air Force Exchange Service ( AAFES ) Military STAR program is reporting information on my credit file that requires correction. I have an active voluntary payment plan on my Military STAR account ending in # XXXX, which requires monthly payments of {$110.00} due on the XXXX of each month. I have been making consistent payments since XX/XX/2026, including bi-monthly {$100.00} payments via XXXX XXXX Bill Pay. My wife and I have also submitted a signed repayment agreement on the related Military STAR account ending in # XXXX. Despite these good-faith arrangements made during a documented financial hardship caused by a TSA paycheck disruption, the accounts remain in collection status on my credit report. As a 100 % permanent and total XXXX veteran working toward a VA home loan, I am requesting that AAFES update the reporting of these accounts to reflect the active repayment agreements, remove the collection status, and report the accounts as current in accordance with the executed payment plan terms.

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 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I had an account with netspend I needed a replacement card I ordered it they told my balance would be XXXX when I received the new card when I got it the balance was XXXX I tried for months to get a statement details etc to no avail then they closed out my account and said I was trying to commit fraud I couldn't believe it I was devastated they said. I ordered a XXXX for {$500.00} I've never ordered a XXXX before in my name in my entire life those people are liars they just steal your money and there's nothing we can do about it there's no bank to actually walk into everyone has a horrible accent it's a joke

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 2026-05-20 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: FL

Complaint narrative:
I am XXXX XXXX, and I am filing this complaint against Chime regarding Claim ID : XXXX. Chime 's dispute team committed a severe processing error by categorizing my dispute as 'Goods services not as described ' ( quality ) and using an incorrect date from XX/XX/year>. My actual dispute is for 'Services Not Received ' for a total amount of {$1200.00}. The merchant ( XXXX ) locked me out of my account, completely blocking my access. I have provided Chime with clear screenshot evidence from my reopened account showing a balance of XXXX completely unused Gold Coinsproving a 0 % consumption rate and a total failure of service. Chime canceled my card during the intake, which perfectly aligns with my 'Services Not Received ' claim. Meanwhile, XXXX XXXX fully investigated the same merchant actions for me and successfully won the chargeback. Chime is forcing a denial based on their own clerical paperwork error. I request that Chime be ordered to reopen the claim under the correct code of 'Services Not Received ' and refund my {$1200.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX I made a transfer of XXXX from XXXX XXXX chime I never received the money I went back and forth between XXXX and chime everyday until XXXX XXXX i called chime with XXXX on the phone while I tried to tell chime they didn't want to hear what I had to say XXXX on XXXX finally agreed to file a dispute XXXX they closed it saying they did what they could all the way to XXXX XXXX I called chime everyday the only thing I got done was to realize they have my account all messed up so I come to y'all and pray y'all can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
The interest rate on the vehicle is way to high I wasnt informed this when purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
The debt was charged off because the car was repossessed and resold at auction full value of the car .. and the creditor picked it up unlawfully and garnisd my wages sent information to wrong address I wasn't aware til I seen my paycheck I wasn't able to defend myself legally

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am disputing a debt Monterey Financial Services is attempting to collect for a XXXX XXXX XXXX membership. XXXX provided multiple travel certificates and perks in writing as part of the sales presentation and stated they were included with the membership. When we attempted to redeem them, the email bounced, the phone numbers were disconnected, and XXXX XXXX stated they had no record of our account. XXXX later liquidated. Monterey told us they can not honor the debt and could not validate the benefits or the contract terms. Despite this, they continued collection attempts and threatened wage garnishment, which is illegal without a judgment. The debt is based on misrepresented sales promises, can not be validated, and is being collected using false threats. I am requesting CFPB assistance to stop collection and remove this invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I am submitting this formal complaint against InComm Payments ( the issuer of Vanilla Gift Cards ) for unfair and deceptive business practices, the bad-faith withholding of my validated funds, and a deliberate pattern of misrepresentation by their call center management team. The company is weaponizing contradictory account status updates and administrative stalling loops to retain my money and force me to abandon my case. Chronology of Deceptive Practices : The Verified Approval ( XXXX Weeks Ago ) : A customer service manager reviewed my case file and explicitly confirmed that my identity verification and card documentation were fully processed and approved. I was given a binding verbal assurance that my replacement funds were being issued and mailed. The Contradictory Promise ( Subsequent Call ) : Upon following up, I was informed the previous approval was void. A different manager promised a new card would be issued instead, but flatly refused to provide a confirmation number, email notification, or tracking details. The Bad-Faith Retraction & Gaslighting ( Current Status ) : During my most recent inquiry, management completely reversed their position again. They now claim they " never received the documentation '' and that the previous case was closed " insufficiently. '' This is a provable falsehood. I have successfully uploaded all requested verification materials multiple times and possess digital confirmation timestamps proving the files were successfully delivered to their database. Refusal of Transparency : ManagemenXXXX currently claims they are " processing and sending '' a card, but refuses to provide a tracking number, reference ID, or any verifiable proof of shipment, stating their system " does not do tracking numbers. '' No legitimate financial institution mails active replacement consumer funds unrecorded via untrackable mail. Conclusion and Remedy Requested : InComm Payments is using contradictory statements, bad-faith delays, and a total lack of shipping transparency to intentionally avoid releasing my funds. I request that a senior corporate compliance officer perform a manual audit of my account upload logs and phone records. I demand that my successfully submitted documents be cleared, and that my full balance be immediately released to me via an expedited Digital E-Gift Card sent to my verified email address, or via overnight mail with a verifiable tracking number provided directly to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I did not authorize these amounts of XXXX XXXX XXXX XXXXXXXX and I had contacted PNC Bank about this and I hope they can resolve this issue but I am contacting you too so this can be corrected as soon as possible. I was wrongfully charged these amounts in my account. Also, PNC did not help me at all when I first submitted the complaints and Fanatics authorizations are still active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: AP

Complaint narrative:
My Property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX had solar panel loan under the account, number ( XXXX ) from Goodleap. I was offered a negotiated settlement of {$9300.00} on XXXX XXXX XXXX The following payments were deducted from my checking account by Goodleap towards the agreed settlement amount ; XXXX {$1500.00} XXXX {$520.00} XXXX {$520.00} XXXX {$520.00} XXXX {$520.00} XXXX {$520.00} I sold my property property and authorized XXXX XXXX XXXX XXXX XXXX. to pay off the remaining settlement amount. Goodleap refused to apply the above payment s to the agreed settlement amount of {$9300.00} and sent a letter dated XXXX showing the original agreed amount, without applying the above payments. I called Goodleap and they confirmed on a recorded conversation that the amount paid in excess of the agreed settlement amount of {$9300.00} would be refunded to me by check. XXXX proceeded to make a wire transfer of {$9300.00} on XXXX to Goodleap as a full settlement of the amount agreed upon on XXXX XXXX XXXX.. I requested a Paid in full letter and they have refused to send me that. They continued to deduct the following amounts.. XX/XX/XXXXXXXX {$520.00} XXXX {$520.00} They attempted to deduct {$520.00} from my checking account on XXXX I have called several times and stayed on the line for up to 52 minutes and a manager has refused to come talk to me. i have sent emails to their collections department with no resolve. A trusted person from XXXX XXXX XXXX XXXX XXXX confirmed they have been predatory and unethical with multiple Military service members such as myself, serving abroad, without a functional US cellular number to communicate with them. I have stayed up all night on multiple occasions to speak to a manager and they refused to come online and speak to me. Its a 14 hour time difference and very difficult to communicate to Good leap. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation