vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
This debt of XXXX $ from Jefferson capitol sysXXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX has been on my credit report negatively impacting it for 14 years. XXXX I have asked them to take it off for several years and disputed it with no result. Which is impacting me negatively move into places to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a debit card ( XXXX ) that I did not apply for. I do not have any accounts with Fifth Third. I spoke with a person, XXXX, she transferred me to another phone tree, and I could not get through to a person. I called Fifth Third 's main number and similarly could not speak to a person. This is not my card, I need all information deleted about this card from Fifth Third 's system and the credit reporting companies and I want to know how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Ability Recovery Services related to a former account with XXXX XXXX, which was later acquired by XXXX XXXX XXXX. I was a customer for approximately five years and consistently paid my account on time. At the end of my service, I returned the modem as required. Around that same time, XXXX XXXX was acquired by XXXX XXXX XXXX. During this transition, it appears that the returned equipment was either not received or not properly recorded. I never received any notice that the equipment had not been received or that a balance was being claimed prior to the account being sent to collections. Once I became aware of the issue, I immediately paid the balance through the original provider and was told the matter would be addressed with the collection agency. Despite this, the collection tradeline continues to be reported. I have since made multiple attempts to resolve this directly with XXXX XXXX XXXX, but they have not taken action to correct or recall the collection. I have also attempted to contact Ability Recovery Services, but they have not responded to written and electronic communications. This collection is for approximately {$100.00} related to equipment that was returned and subsequently paid. Prior to this incident, I maintained an excellent credit history. I am requesting that XXXX XXXX XXXX recall the collection account from Ability Recovery Services and that Ability Recovery Services delete the collection tradeline from all credit reporting agencies. In my communications with XXXX XXXX XXXX, they have not been able to address the issue even after providing guarantees that the issue would be assessed. This situation appears to be the result of administrative error during a company acquisition and failure to properly notify me of any outstanding balance prior to sending the account to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My mailing address was changed for a honey baked Hams check from first footing homeless shelter in XXXX XXXX XXXX, for my payroll check of XXXX my boss from XXXX XXXX Hams XXXX XXXX XXXX deposited my check in my XXXX bank account in XXXX XXXX XXXX, the check was supposed to be cancelled however it was deposited into a Venmo account card that I never received in the mail at XXXX XXXX XXXX apartments in XXXX Texas so I sent my {$1.00} back to my coworker at the time XXXX XXXX at XXXX seasons landscape. The XXXX account I never even used it the only reason I got it in the XXXX place was cuz I didn't have a identity card at the time. My phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I do not recognize the following inquiry and did not authorize it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau : Experian Since I never authorized this inquiry, I am requesting that it be removed from my credit report 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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ion XX/XX/year> i had filed a dispute for unauthorized charges on my PayPal debit card and they simply told me that they favored in the seller and there's nothing I can do to dispute the decision any further

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint because my bank failed to properly investigate unauthorized transactions on my XXXX XXXX Card and did not follow the requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Two transactionsone for {$350.00} and another for XXXX XXXXwere made without my authorization. I did not make these purchases, did not give anyone permission to use my card, and did not benefit from the transactions in any way. I reported the unauthorized charges immediately after discovering them. At the time of the transactions, I was actively working on the XXXX Eats platform, and I had my physical card in my possession. I did not lose my card, and it was never stolen. These charges were processed through the XXXX XXXX XXXX system without my consent, and I notified the bank as soon as I saw them. Despite my prompt report, my bank closed the dispute without conducting a reasonable investigation. They did not ask me for additional information, did not provide any documentation supporting their denial, and did not explain how they determined the transactions were authorized. They also did not provide provisional credit, even though Regulation E requires it when an investigation can not be completed within 10 business days. I repeatedly requested evidence of their investigation, including transaction logs, merchant information, and any data they relied on to claim the charges were authorized. The bank refused to provide this information. Instead, they simply stated that the transactions were valid without showing how they reached that conclusion. This is a violation of Regulation E, which requires financial institutions to conduct a goodfaith investigation, document their findings, and share those findings with the consumer upon request. I am requesting that the CFPB require my bank to reopen the dispute, conduct a full and compliant investigation, and provide all documentation they relied on when denying my claim. I am also requesting reimbursement for the unauthorized charges in accordance with the Electronic Fund Transfer Act and Regulation E. My banks handling of this matter has been inadequate, dismissive, and noncompliant with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
My son signed up for a XXXX XXXXe in XX/XX/XXXX and was deceptively enrolled in a 30-day free membership to XXXX XXXX which converts to a full membership after the 30 days. After 30-days, his debit card was charged {$99.00} and he immediately disputed the charge with XXXX XXXX on XX/XX/XXXX. XXXX XXXX declined the dispute citing that the vendor ( XXXX XXXX ) provided evidence that he signed up for the service. I requested that XXXX XXXX provide the evidence multiple times and it has never been provided to me. In XX/XX/XXXX, I provided all of the account information and transaction information to XXXX XXXX XXXX She indicated that they still see an open dispute in their system and it would take some time to clear. On XXXX XXXX, I emailed XXXX XXXX requesting a full refund since they have a 100 % satisfaction guarantee on their website. Their representative, XXXX XXXX at XXXX, said they have an open dispute showing in their system so they can not issue the refund at this time. On XX/XX/XXXX, I called XXXX XXXX and they told me that the dispute has been closed for several months, so I emailed XXXX for an update and she said the dispute is still pending. On XX/XX/XXXX, I emailed XXXX again as said the situation is ridiculous and my refund should be issued. XXXX replied back that she would check with the XXXX department on the status of the refund, but their was no response. On XX/XX/XXXX, I requested a staus update and XXXX indicated that she has not heard back from the Accounting department. I have emails to prove all of these facts. ACTIVE NetworkXXXX XXXX charged my credit card {$99.00} without my consent. I did not knowingly enroll in XXXX XXXX and the charge was added through deceptive enrollment practices. The CFPB has already sued XXXX XXXX for this exact conduct ( dark patterns, illegal enrollment, and unauthorized charges ). I am requesting a full refund of the {$99.00} and removal of any associated subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Td bank was sent several emails by me in XXXX and then XXXX to pay the condo taxes instead of the city bc the condo needed to be assessed as it was a new build. They failed to do so and i ended up paying on top of escrow {$6900.00} to XXXX XXXX XXXX to pay the city of XXXX taxes. I have had many emails and extensive phone calls that has wasted likely weeks of my life to try to resolve. I sent them a ma XXXX demand letter they did not respond to. I then had to take them to small claims court. They tried to settle out of court and wanted me to sign something saying no further claims could come against them. I told them i could not sign as there is still a negative {$7700.00} escrow balance that they transfered over to XXXX XXXX XXXX last XXXX. I have been on autopay and have no idea how the amount became negative as i was actively working on fixing the issue for years. TD would not respond once the account moved and said they had no information. Which now currently causing me and issue with XXXX XXXX XXXX who wants me to pay $ XXXX in escrow this year when my taxes are only $ XXXX a year. This is an extreme financial burden and the numbers are escalating out of hand the longer this proceeds. I am now stuck trying to get XXXX XXXX XXXX the correct numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Chase checking account specifically in reliance on a promotional offer for a {$300.00} bonus after receiving qualifying direct deposits totaling at least {$500.00} within the required time period. During the promotional period, I received deposits from XXXX into my Chase account that exceeded the required amount. These deposits represent my earned income and were electronically deposited directly into my bank account on a recurring basis. After I fulfilled the deposit requirement, Chase denied the promotional bonus by claiming that my XXXX deposits did not qualify as direct deposits. I dispute this determination. From a consumer perspective, these deposits are direct deposits of my earned income and satisfy the reasonable understanding of the promotional requirement. I opened the account and maintained it based on my understanding that these deposits qualified. Denying the bonus after I met the stated deposit threshold is unfair and misleading. I am requesting that Chase honor the promotional offer and issue the {$300.00} bonus to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am disputing a 30-day late reporting to the credit bureaus by Freedom Mortgage for my XX/XX/year>2026 payment. On XX/XX/year>2026 ( the XXXX day ), I attempted to process my payment, but the Freedom Mortgage online system experienced significant technical glitches. My transaction history shows multiple " Payment Reversals '' and " Posted to Suspense '' actions initiated by the system, which prevented the successful posting of funds on that day ( as shown in the attached ledger ). Although I initiated the payment on XX/XX/XXXX, Freedom Mortgage did not record the 'Funds Received ' date until XX/XX/XXXX. This additional delay was entirely due to the company 's internal processing times and the systemic reversals that occurred on the day I attempted the payment. I immediately contacted Freedom Mortgage customer service and spoke with a supervisor. The supervisor explicitly assured me that the technical issues were resolved and that my payments had been correctly posted to my account. Relying on this verbal confirmation from a management-level employee, I took no further action at that time. Furthermore, although the portal shows a " Payment Reminder Notice '' dated XXXX XXXX, 2026, I never received this notice via email or postal mail, despite being enrolled in paperless billing. This lack of notification deprived me of the opportunity to correct the oversight before the 30-day reporting threshold. My credit score has dropped by XXXX points due to this reporting, which is a direct result of Freedom Mortgages systemic failures and the misinformation provided by their staff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: CT

Complaint narrative:
Numerous calls and messages in reference to a family member who allegedly owes debt. Culminating is a threatening message stating service of process in the matter on my domicile. Upon contacting XXXX and associates they fraudulently made the claim the family member lived at my address. I challenged that allegation and they hung up. Twenty minutes later I got another threatening identical message making the same claim. Called again and disputed the information and the agent hung up. Be advise they are trying to locate my brother who never lived at my residence and in fact I have not seen for twenty five years. Note my wife has been getting these threats as well.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company : Capital One Product : Checking Account Issue : Fraud or scam / Funds not returned On XX/XX/year>, I was the victim of an FBI impersonation scam in which fraudsters contacted me via phone and text message, claimed to be federal law enforcement agents, manipulated my Capital One accounts remotely, and instructed me to withdraw {$37000.00} in cash and hand it to an individual in person. I complied, believing I was cooperating with a legitimate federal law enforcement operation. I reported the fraud to Capital One on XX/XX/year>. Capital One opened a fraud investigation and assigned a case number : XXXX. As of the date of this complaint, XX/XX/year> XXXX days after my report Capital One has : 1. Failed to issue provisional credits for the {$37000.00} fraudulently obtained from my account. Under Regulation E, I am entitled to provisional credit within 10 business days of reporting unauthorized electronic activity. 2. Closed my existing accounts without resolving the open fraud investigation, and opened replacement accounts that are not yet visible in my online banking, leaving me without full access to my funds during an active fraud investigation. 3. Provided no status update on the investigation despite the significant amount involved and the time-sensitive nature of fraud recovery. The fraudsters gained access to or directed activity within my Capital One accounts online prior to instructing me to withdraw the funds. The account manipulation occurred within Capital One 's own platform before the physical withdrawal took place, which I believe Capital One has a responsibility to investigate as part of this claim. I am requesting that Capital One immediately issue provisional credits for the full amount of {$37000.00} while the investigation is ongoing, restore full online access to my accounts, and provide a clear timeline for resolution of this claim. I have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Sezzle Inc.
State: TX

Complaint narrative:
I earned {$26.00} in rewards ( Sezzle Spend ) which have a cash value on the platform. Sezzle 's management ( XXXX XXXX ) provided written instructions on how to redeem these funds. However, Sezzle 's automated system is blocking the redemption path while simultaneously allowing the funds to expire. They are refusing to extend the expiration or manually apply the credit, effectively seizing my earned property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received a collection letter from Jefferson Capital Systems LLC regarding an alleged credit card debt in the amount of approximately {$1600.00}. In that letter, the company explicitly stated that the statute of limitations on the debt has expired. This confirms that the debt is time-barred and can not be legally enforced. After receiving this notice, I disputed the validity of the debt and requested full validation, including documentation to prove legal ownership of the account, the accuracy of the balance, the original signed agreement, and the complete chain of assignment. The company provided limited documentation, including statements and a bill of sale, but failed to provide sufficient evidence to establish legal ownership of the debt or verify the accuracy of the account. Specifically, they did not provide a signed agreement or complete account-level documentation. Despite the debt being time-barred and the lack of sufficient verification, the account may still be reported or pursued in a way that is misleading and harmful. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly regarding the collection and reporting of time-barred debt without proper verification. I am seeking resolution to ensure that inaccurate or unverifiable information is not being reported or used against me.

Company response to consumer: Closed with explanation