vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I disputed XXXX rental collection accounts that ProCollect is reporting. On XX/XX/year>, I requested full validation of the alleged debt, including the signed lease, moveout accounting, itemized charges, proof of notice, proof of assignment, and validation for both accounts. ProCollect only provided a ledger and a guaranty form. They did not provide the required documentation to validate the debt. I sent a second validation request on XX/XX/year>XXXX, asking again for full documentation and for validation of both accounts. ProCollect did not respond to the followup request and did not provide the missing documents. Despite failing to validate the debt as required by law, ProCollect continued collection activity and continued reporting the alleged balances to tenant screening systems. Because ProCollect did not validate the debt and continued reporting it, the information appeared on rental applications and resulted in a housing denial. This is ongoing collection activity on an unvalidated debt and a failure to p roperly respond to a validation request. Because ProCollect did not validate the debt and continued reporting it, the information appeared on rental applications and resulted in a housing denial. This is ongoing collection activity on an unvalidated debt and a failure to properly respond to a validation request.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing this complaint against TD Bank XXXX regarding inaccurate and inconsistent credit reporting concerning the following account : XXXX XXXX TD BANK XXXX Account Number : XXXX This account has demonstrated a repeated pattern of deletion and reinsertion across multiple consumer reporting agencies between XXXX and XXXX. The tradeline was previously removed from XXXX XXXX XXXX in approximately XX/XX/XXXX, later reappeared on XXXX in XX/XX/XXXX, reappeared on XXXX in XX/XX/XXXX, was removed again in XX/XX/XXXX, and has now reappeared once more in XX/XX/XXXX. Additionally, inconsistent reporting data is currently being furnished across bureaus. XXXX reports the Date Last Active as XX/XX/XXXX, while XXXX reports the Date Last Active as XX/XX/XXXX for the same account. The account also continues reporting conflicting XXXX XXXX data fields including : * Charge-Off status * Active Amount Past Due balance * Balance exceeding the stated credit limit Under XXXX XXXX XXXX standards, a charged-off account is no longer in an active delinquency cycle and should not continue reporting an active past-due balance. These inconsistencies raise serious concerns regarding the accuracy and integrity of the information being furnished. Despite prior disputes, TD Bank continues furnishing inconsistent information without adequately validating the reporting chronology or XXXX XXXX reporting fields. I am requesting : XXXX. A complete investigation of this account and the furnished data 2. Verification of the XXXX XXXX reporting fields associated with this tradeline XXXX. Correction or deletion of this account if the reporting can not be fully verified as accurate and compliant with FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In XXXX, I assisted my son in the purchase of a vehicle from XXXX XXXX XXXX. It was XXXX XXXX XXXX. I co-signed and my son is the owner of the vehicle. The XXXX XXXX at that time price for the standard vehicle was XXXX. We were charged {$55000.00}. I recall giving a down payment to the company and my credit score was fine. I never understood why we were charge this amount. I called the dealership today and XXXX XXXX XXXX is not priced at {$55000.00}. When I received the printout of the payments according to this Company the initial balance as of XXXX was {$55000.00} and the remaining balance as of XXXX is {$51000.00} and the past due amount is {$24000.00} which is the price of a new vehicle today. My son has a Family of XXXX ( XXXX XXXX XXXX ) they needed transportation, It was an urgent matter. He works and is the source of income. The car was repossessed twice and they tried to sell the vehicle and they place the vehicle in the Company name. I called them and asked them to please send the Tag and Title Information so he can renew his tag. I never received the paperwork. My Son talked to Credit Acceptance and said he would voluntarily surrender the vehicle because of his finances he can not afford the vehicle. My Son said the Company said they don't want vehicle, they want the money. I will appreciate an investigation into this matter. Thank you.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I am responding to your recent communication regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following information : 1. The name and address of the original creditor. 2. The account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemization of any interest, fees, or additional charges. 4. Copies of any documents bearing my signature showing I agreed to assume this debt. 5. Proof that your company is legally authorized to collect this debt. 6. Documentation showing that the debt is within the applicable statute of limitations. 7. A complete payment history on the account. Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report this account to any credit reporting agencies. If this account has already been reported, please mark it as disputed. This letter is not an acknowledgment or acceptance of liability for the alleged debt, nor is it permission to restart any statute of limitations period. Please respond in writing within the time required by 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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I was the victim of severe dealership auto finance fraud, identity manipulation, and coerced forgery. On the active account with the auto lender ( Fraud Case File # XXXX ), the dealership 's finance manager explicitly coerced me face-to-face in the office to forge and counterfeit the buyer 's signature onto the final paper contract while the buyer was miles away at work. The dealership never physically scanned or verified the co-buyer 's state ID for this final contract. The auto lender was notified of this criminal dealer fraud and forgery over seven days ago. Despite having an open fraud file, customer service supervisors are now stating the loan is not administratively frozen, and they are threatening further 48-hour corporate delays while holding mine and my dads credit profile and a {$1500.00} down payment XXXX. The vehicle has been left completely parked and untouched at XXXX miles. I am demanding that the lender immediately execute a permanent flat-cancel unwind of this fraudulent contract, clear all names from the credit bureaus, and force the dealer to return the {$1500.00} cash down payment.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold an event ticket to someone in-person and arranged payment using Paypal goods & services via the XXXX app. Once I gave the buyer the ticket on XX/XX/XXXX and received the payment, I had them send me a message within our transaction conversation confirming that they were given the ticket. After the event took place on XX/XX/XXXX, the buyer filed a dispute case on XX/XX/XXXX. I provided paypal with proof of the transaction and confirmation that the buyer received the item and the dispute was still approved in favor of the buyer. The money was then returned to the buyer. I have tried reaching out to the buyer asking them to send me the money, and they told me that it was disputed by a friend, which is not true because the claim has the buyers name and contact information tied to it. The buyer has yet to send me the money and the last time I heard from them was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am submitting this complaint regarding the handling of my JetBlue Barclays credit card account and the extremely poor customer service I experienced while attempting to regain access to my account. Over an extended period of time, I made numerous phone calls to Barclays/JetBlue customer service seeking assistance with my account access. During these calls, I was repeatedly instructed to submit identity verification documents via fax. I complied with every request made and submitted the required documentation multiple times as instructed by representatives. Despite complying fully, I continued to receive additional requests for more documentation, resulting in multiple rounds of fax submissions. The process became excessive, confusing, and burdensome. In addition, several customer service interactions were unprofessional and rude, with representatives failing to provide clear guidance or consistent information regarding what was needed to resolve the issue. Most concerning is that after repeatedly submitting the requested documents, I was ultimately denied access to my account allegedly because too many documents had been submitted documents that were specifically requested by Barclays representatives. I find this unacceptable and contradictory. As a result of this experience, I have lost confidence in Barclays ability to properly manage and secure customer accounts while providing reasonable customer support. The repeated document requests, lack of communication, and account access issues caused unnecessary stress and inconvenience. I am requesting : 1. A full review of the handling of my account and customer service interactions. 2. Written clarification regarding why my account access was restricted after complying with document requests. 3. Immediate assistance with resolving or closing the account. 4. Confirmation that any personal doc uments submitted are being securely handled and protected. 5. Appropriate corrective action regarding the customer service experience I encountered. I believe this matter reflects unfair and unreasonable account handling practices and I am requesting assistance in resolving this issue promptly.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting a complaint regarding a delayed remediation refund issued by XXXX XXXXXXXX. On XX/XX/year>, I received a letter from Truist stating that, during a review of my closed deposit account ending in XXXX, the bank identified that I had been incorrectly charged service-related fees. Truist enclosed a refund check for {$10.00}. While I appreciate the acknowledgment and refund, I am concerned that : The improper fees were not identified or returned until years later No explanation was provided regarding the nature, timing, or duration of the incorrect charges No interest, additional remediation, or compensation for the delayed return of funds was included I have not received confirmation that all impacted fees were fully identified and refunded I am requesting that Truist : Provide a full accounting of the improperly charged fees, including dates and amounts Confirm whether all impacted charges were identified and refunded Explain why the remediation occurred years after the improper charges were assessed Review whether additional compensation or interest is appropriate given the delayed remediation Thank you. 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 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint regarding promotional financing terms on my Citi Home Depot credit card account related to a refrigerator purchase made in XX/XX/year>. XX/XX/year>. At the time of purchase, I understood that I was receiving an 18-month 0 % financing promotion. Based on that understanding, I chose to finance the purchase rather than pay in cash. I recently discovered that the account was instead placed under a 6-month promotional period, resulting in interest charges being assessed at nearly 30 % APR. When I contacted customer service, I was informed that I was responsible for calling to update or confirm the promotional period. This requirement was never clearly explained to me at the time of purchase, nor was I aware that the financing terms applied to my account differed from what I believed I had agreed to. Had I known the financing was only 6 months, I would not have used the card under those terms and would have paid for the appliance outright. Instead, I am now facing substantial deferred interest charges that could exceed hundreds of dollars despite making payments in good faith. I am not disputing that the terms may exist within the agreement language. My concern is that the financing terms communicated and understood at the point of sale did not match the promotion ultimately applied to the account, and the process appears likely to mislead consumers. I respectfully request a fair resolution and a formal 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 explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/year>, Chase Bank issued a credit balance refund related to a closed Sapphire Reserve credit card account ending in XXXX. Chases online account system reflected a credit balance refund in the amount of {$400.00}, and Chase issued a refund check for this amount. I attempted to deposit the refund check into my Chase checking account. The deposit initially appeared as an online deposit pending transaction in the amount of {$400.00}. However, Chase later rejected the deposit and notified me that a stop payment had been placed on the refund check. At no point did I receive the refund funds. Chase represented that the refund was owed, issued the refund check, and then prevented the check from being negotiated by placing a stop payment on it. The account had already been closed, and Chase did not provide the refund through any alternate method after rejecting the check. As a result, Chase continues to retain funds that were identified as a credit balance refund owed to me. I am attaching screenshots showing the credit balance refund transaction, the pending deposit attempt, and Chases rejection notice stating that a stop payment had been placed on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am formally disputing this collection tradeline because the reporting is inaccurate, incomplete, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This account is being reported as a collection account associated with an alleged obligation involving XXXX XXXX XXXX ; however, the furnisher and consumer reporting agencies failed to provide competent documentary evidence validating the complete accuracy, ownership, and legal enforceability of the debt being reported. I requested documentation including : complete account-level records signed enrollment/payment agreement itemized tuition/accounting records payment ledger and transactional history records supporting the alleged balance withdrawal/cancellation calculations, if applicable chain-of-assignment or ownership documentation records establishing the collection agencys authority to collect and report the account Neither the furnisher nor the consumer reporting agencies produced sufficient documentary evidence validating the reporting. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), disputed information must be reasonably reinvestigated. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted from the consumer report. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation after receiving notice of dispute. Despite repeated disputes, this collection account continues reporting without competent documentary verification establishing the accuracy and enforceability of the alleged debt. Because the reporting remains disputed, inaccurate, misleading, and unverifiable, I demand immediate deletion of this collection tradeline and all associated derogatory reporting from my consumer reports.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I made a money transfer ofXXXX, from XXXX to remitly on XXXX XXXX, the transfer was to XXXX XXXX never received, XXXX did the investigation and assured me that they sent the money to remitly on theXXXX, because inicialy was declined by XXXX, I spoke to remitly on many occasions and they said to me, that after an internal investigation they concluded, that they never received the money and that the case was closed, and their decision was final, arguing that the money never left the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding American Express Membership Rewards redemptions that became inaccessible following the closure of my American Express account, and American Express has failed to provide a reasonable resolution despite acknowledging internal system issues. Before closing my American Express account, I redeemed approximately {$470.00} worth of Membership Rewards points for XXXX XXXX ( {$450.00} at XXXX XXXX XXXX & {$20.00} at XXXX ). The redemption transaction was completed successfully while my account was still open. Shortly after redeeming the points, I closed my American Express account as part of consolidating my banking and credit relationships elsewhere. Following the account closure, I lost access to the redeemed gift cards. Over the past XXXX months, I have contacted American Express approximately XXXX times attempting to resolve this issue. During those calls, American Express representatives created XXXX separate internal cases regarding the matter. Throughout this process, I received inconsistent explanations and repeated delays. Representatives cited various reasons for why the issue could not be resolved, including technical limitations and internal processing problems. Most importantly, American Express representatives acknowledged that an internal IT or systems issue was preventing them from reissuing or restoring access to the gift cards. Despite this, American Express ultimately denied providing any replacement gift cards, Membership Rewards reinstatement, statement credit, check, or other equivalent remedy. This complaint is not about disputing a valid redemption or requesting additional rewards. The points were already redeemed successfully before the account closure. The issue is that I can not access the redeemed value due to an acknowledged internal American Express systems failure, and American Express has refused to provide a reasonable solution. I believe this handling is unfair and inconsistent with reasonable consumer expectations surrounding rewards redemptions that were completed prior to account closure. American Express has effectively retained the value of redeemed rewards while simultaneously stating that internal technical problems prevent recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A deposit was made on the the XXXX today is now the XXXX and the money is still not in my account. They made the error and put the money in someone elses account.

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