vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Complaint Jefferson Capital Systems ( JEFFCAPSYS ) Company : Jefferson Capital Systems Issue : Identity Theft / Reporting fraudulent account Complaint Text : I am a victim of identity theft. These 2 accounts being reported by Jefferson Capital Systems is fraudulent and does not belong to me. 

This account is documented in my official FTC Identity Theft Report ( FTC Report Number XXXX ). I did not authorize, apply for, or benefit from this account in any way. 

Despite this, Jefferson Capital Systems continues to report the account on my credit file, causing significant financial harm and credit damage. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and identity theft protections, a furnisher may not report information it knows or should know is the result of identity theft.

I am requesting : Immediate investigation of this fraudulent account Permanent deletion from all credit bureaus Written confirmation of deletion Cessation of all collection activity Supporting documentation, including my FTC Identity Theft Report, has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is for Chase Bank, 1st, there was an additional {$5000.00} on my loan XX/XX/XXXX for products I told salesman I Did Not want!! Chase removed them, I asked should the loan be rewritten? I got the run around between Chase XXXX XXXX XXXXXXXX XXXX in XXXX, Il. 

2nd, I send in extra money {$1000.00} on XX/XX/XXXX and {$200.00} for Principal Only on XX/XX/XXXX and Chase Bank apply interest. 
I have called and asked why, I was told I have to call in once i make the payment and make them aware it's for principal only and they will send a request to get it changed. 

3rd, I asked why do they ( chase ) send out quarterly payment coupons? 
If I want to make early payments I can't, once I'm out of coupons I have to wait for other coupons to be mailed. 
I stated to Chase, they make it hard to pay off a loan, they discourage it because they make it so complicated! 

Thank You in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
In XXXX I was served paperwork regarding an attempt to collect a debt by XXXX XXXX XXXX. Since the debt was not owed to them, I had disputed the debt. On XX/XX/XXXX, this account was approved for dispute and removed from my credit accounts. In XXXX of XXXX a court order for garnishment from my financial institution was filed and my bank sent a notification. From my understand, a debtor can not proceed with legal action while under dispute so I am not understanding how they can garnish after dispute was approved and account removed. Looking for counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, I entered into a PayPal Pay Monthly financing agreement to purchase access to an educational program called XXXX XXXX. 

After enrolling, I discovered that the program did not provide the services, structure, or value that were represented at the time of purchase. The program did not meet my reasonable expectations based on the marketing and representations made. 

Once I realized this, I attempted to dispute the transaction through PayPal. However, PayPal denied my dispute solely on the basis that more than XXXX days had passed since the transaction date, despite the fact that this is a financed loan agreement with ongoing payment obligations. 

I am requesting a formal review of this matter because I am still financially obligated under this PayPal XXXX XXXX financing agreement for a service that did not meet the represented expectations. 

I am seeking a fair resolution, including cancellation or adjustment of the remaining balance, and confirmation that this matter will not negatively impact my credit. 

I am submitting this complaint in good faith and requesting PayPals assistance in resolving this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to wire money from my account to XXXX because I am currently in XXXX after purchasing a home in XXXX. I received a phone call from Wells Fargo advising me that I have to come to the bank before they can wire the money. I explained unless they have a branch in XXXX, I would not be able to come to the branch. I offered a face-to-face call to verify my identification, showing my ID card and Passport but was told that would not be possible and the wire would not be send. After this phone call I tried to get into my online account and Wells Fargo has logged my account and my cards, leaving me with no access to funds in XXXX. XXXX calls later, I am still waiting to speak to a supervisor, and nobody will transfer me, telling me that the supervisors are all busy and someone will call back. In the meantime, Wells Fargo is holding my accounts hostage, and I have no way to access my funds.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX billing practices. Canceled my Home Internet service before the promotional period expired and returned all required equipment on XX/XX/year>. I possess a receipt confirming the equipment return. Despite this, XXXX continues to bill me for service and/ or equipment. Have attempted to resolve this matter and directly, but the issue remains unresolved. Respectfully request assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
AFFIDAVIT OF FACTS XXXX XXXX  LOAN LAW VIOLATIONS I, XXXX XXXX XXXX XXXX, state as follows : I am the borrower on Contract No. XXXX issued by OneMain Financial. 

My loan amount was {$8500.00}. 

The lender assessed total finance charges of approximately {$10000.00}. With a loan amount totaling {$18000.00}. Borrowed {$8500.00} Under the XXXX XXXX XXXX XXXX XXXXt ( XXXX ) XXXX  Bank Installment Loan Act ( XXXX ), finance charges on loans under {$10000.00} XXXX not exceed {$10000.00} XXXX  XXXX not be structured XXXX  evade statutory caps. 

Because my finance charges exceed {$10000.00}, this appears XXXX  violate XXXX XXXX lending laws. 

I submitted multiple written requests for documentation, ownership proof, XXXX  chain-of-title information ; the lender did not provide the requested documents. 

The account was reported negatively XXXX the credit bureaus during an active XXXX  unresolved dispute. 

The lender threatened repossession without providing lawful authority to enforce the obligation. 

In addition, OneMain Financial never clearly explained XXXX  me that this loan was a precalculated ( precomputed interest ) loan, nor how such a loan operates. I was not informed that interest would be calculated in advance for the full term of the loan XXXX  added upfront, nor that payments toward principal would not proportionally reduce the interest charged. 

I was never clearly advised that interest was effectively charged as if the loan were outstanding for the entire term from the outset, regardless of actual principal reduction or early repayment. I was not provided a clear, plain-language explanation of how interest was calculated, how principal payments would be applied, or how early payoff would affect ( or fail XXXX  materially reduce ) the total finance charges. 

This lack of explanation XXXX  clarity prevented me from understanding the true cost XXXX structure of the loan at the  time it was entered into. Charging interest upfront through a precalculated loan structure without clearly explaining its nature and consequences constitutes a failure XXXX  disclose material terms XXXX  an unfair or deceptive practice under the XXXX XXXX Small Loan Act, the XXXX XXXX XXXX Installment Loan Act, the XXXX XXXX Unfair Practices Act, and the Truth in Lending Act. 

This undisclosed loan structure also contributed XXXX  total finance charges exceeding statutory thresholds XXXX appears designed XXXX  maximize interest extraction while evading statutory rate and finance-charge limits, rendering the loan terms unlawful XXXX  unenforceable under New Mexico XXXX XXXX 


I certify that the above facts are true XXXX  correct XXXX  the best of my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the collection account being reported by Portfolio Recovery Associates. 
-Account ending : XXXXXXXX XXXX XXXX XXXX XXXX -Balance reported : {$380.00} -Date Opened : XX/XX/XXXX -Last Reported : XX/XX/XXXX -Status : Collection/Chargeoff This account is being reported as a derogatory collection ; however, I have not received proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Credence Resource Management. 

Account ending : XXXXXXXX XXXX XXXX XXXX XXXX  Balance reported : {$2000.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Chargeoff This account is being reported as a collection on my credit report ; however, I have not been provided proper validation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding Bank of Americas denial of my billing dispute involving an XXXX XXXX return. 

On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX for {$1100.00}. 

I returned the item through XXXX  authorized return process. I dropped the package at XXXX on XX/XX/year>, and tracking confirms delivery to the seller. 

Despite the completed return, XXXX only issued a partial refund of {$83.00} ( tax ). The remaining {$1000.00} was withheld. 

I contacted XXXX customer service multiple times. I was told on the phone that the full refund would be issued to my original payment method within 3 business days. When I did not receive the refund, I called again and was told it would be processed within 57 business days. 

I have recordings of these calls confirming that XXXX representatives promised the refund. 

However, the refund was never issued. 

I then filed a dispute with Bank of America and provided : XXXX  return tracking XXXX order summary Seller communication records Evidence of XXXX  refund promises Despite this documentation showing a valid return and repeated refund promises, Bank of America denied my dispute and did not provide a clear explanation addressing the evidence. 

I believe Bank of America failed to conduct a reasonable investigation of this billing dispute involving returned merchandise.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: AL

Complaint narrative:
TEKCOLLECT INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TEKCOLLECT INC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was promised a {$500.00} bonus for signing up for the card and spending {$500.00}. I complied with these terms but did not receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
Bounce AI Inc is reporting a collection account on my credit report for an alleged debt originally associated with XXXX XXXX XXXX in the amount of approximately {$1000.00}. 

I do not have a valid contract or signed agreement with Bounce AI Inc, and they have not provided proper documentation proving their legal authority to collect or report this alleged debt.

This account was previously disputed, and the result was marked as dispute resolved consumer disagrees, yet Bounce AI Inc continues reporting this account without providing sufficient documentation validating the debt.

Under federal law, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, Bounce AI Inc must provide full validation of the debt, including : A signed agreement bearing my signature Full account history and itemized charges Proof of legal assignment or ownership of the debt Documentation demonstrating their legal authority to collect and report this account Reporting unverified or inaccurate information violates federal law, including : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable investigation FDCPA 809 failure to properly validate the alleged debt This inaccurate reporting is damaging my credit profile.

I am requesting a full investigation and immediate deletion of this account if proper documentation can not be provided.

Failure to correct or delete inaccurate reporting constitutes negligent and willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint : I am filing this complaint because Bank of America failed to properly investigate and validate a disputed credit card account. 
I requested validation of this account. In a prior letter dated XX/XX/XXXX, Bank of America admitted that they do not have a copy of the credit card application allegedly submitted on XX/XX/XXXX. 
Despite lacking documentation showing that I applied for or agreed to this account, Bank of America sent another letter dated XX/XX/XXXX stating that : All reported account details are accurate Their investigation is complete My dispute is considered resolved However, Bank of America still has not provided : A signed application or legally binding agreement Complete account statements from opening to charge-off A full payment and fee history Evidence proving I am legally responsible for the debt Declaring the account accurate without supporting documentation does not constitute a reasonable investigation under the Fair Credit Reporting Act ( FCRA ).

Continuing to report or attempt to collect an unverified debt may also violate the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the CFPB require Bank of America to : Provide competent evidence that I am legally obligated for this account, or Immediately delete this account from all consumer reporting agencies Cease any collection activity Provide written confirmation that the matter is closed I am attaching copies of Bank of Americas letters confirming they do not possess the credit card application and still claim the account is accurate.

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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a {$1700.00} deferred interest charge applied to my Synchrony account. In XX/XX/XXXX, a payment was returned due to a bank issue. When I became aware of the issue, I contacted Synchrony to correct it, and the Synchrony bank representative suggested that I sign up for autopay. They reassured me that a monthly auto pay amount calculated by them would guarantee to pay off the 0 % interest promotion in time, and that was established at that time. They also signed me up for a paperless statement, as they assured me it wouldn't be necessary due to the autopay being set. I believed the account had been brought current and that future payments would be handled appropriately through autopay. I trusted the bank representative and agreed to auto-payment in good faith. It wasn't untilXXXX XXXX that I noticed the monthly automated withdrawal when the financial promotion ended on XX/XX/XXXX, and I called the bank that I was informed that the Bank representative miscalculated my monthly auto pay amount by 1 month, that caused the promotional financing to terminate and triggered {$1700.00} in retroactive deferred interest on what was a {$160.00} balance.In an effort to review the account history and understand how this balance escalated, I formally requested copies of my XXXX statements on XX/XX/XXXX. To date, I have not received the requested statements. Without access to these records, I am unable to verify the auto pay calculation or deferred interest or the alleged fees. 

I am requesting : - Removal of the {$1700.00} deferred interest charge. 
- Provision of all requested XXXX account statements. A clear explanation of how the deferred interest was calculated and applied. 
- A full review of the deferred interest assessment. 

I acted in good faith by contacting the creditor, setting up autopay, and continuing payments. I believe the resulting deferred interest is disproportionate and that I have not been provided adequate documentation to review the charges. 

Thank you for your review of this matter.

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 monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WLCC
State: HI

Complaint narrative:
You phone harassed me twice at XXXX XXXX  and XXXX XXXX  before standard operating hours dictated by the federal government if XXXX XXXX. I just got out of the hospital and cost me pain and suffering along with Intentional Emotional Distress by first lying and saying you didnt call. I recorded the call and have the call log proving you harassed me through a debt that was not owed. ( Discharged XXXX  XXXX ). It is illegal XXXX ) to collect or attempt to collect a debt after discharge XXXX ) to call before federally mandated time of XXXX. 
You lied and stated you have no record of the phone calls, placed me on hold and changed it knowing that XXXX  XXXX was filed. 
I will be suing you for your inability to follow federally mandated rules. You will here from my law team to your address, ( if its correct ) Arrowhead Advance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number on my call log : XXXX Please cease all communications to me unless it is to the lawsuit that will be filed.

Company response to consumer: Closed with explanation