vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an XXXX XXXX promotional financing account for medical treatment with a deferred interest promotion. I made payments as agreed and never missed a payment. Prior to the promotional expiration date, I paid nearly the full balance, leaving a remaining balance of {$3.00}. 

Because this minimal balance remained, XXXX applied approximately {$2000.00} in retroactive deferred interest. I was not provided clear or adequate notice prior to the expiration date that such a small remaining balance would result in the assessment of all accrued interest. I was enrolled in paperless statements and on automatic payments, and I did not receive a separate or clear reminder notice prior to the promotional expiration date. 

My account remains current and in good standing. I contacted XXXX to request a goodwill adjustment and reversal of the deferred interest, but the request was denied. 

I believe the application of nearly {$2000.00} in interest due to a {$3.00} balance is disproportionate and unfair. I am requesting removal of the retroactive deferred interest charges as a reasonable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my XXXX XXXX XXXX account. 

I experienced temporary financial hardship during the period in which these late payments occurred. Since that time, I have maintained consistent on-time payments and my account is currently in good standing. My overall credit profile has significantly improved since the hardship period. These historical late marks no longer reflect my current creditworthiness or payment behavior. 

I contacted Self Financial directly to request a goodwill adjustment and review of these late payment entries based on my improved payment history and current standing. My request was denied solely based on company policy, stating that accurate information can not be removed, without evidence of an individualized review of my circumstances or payment history improvement. 

I believe Self Financial failed to conduct a reasonable investigation and consideration of my request and instead issued a blanket policy denial. The continued reporting of these outdated late payments is adversely impacting my ability to obtain affordable credit and pursue major financial goals, including homeownership. 

I am requesting that Self Financial conduct a compliance-level review of my account and remove the reported late payment entries as a goodwill adjustment in recognition of my sustained positive payment history since the hardship period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report : Creditor/Collection Agency : WILLIAMS RUSH & ASSOCIATES Account XXXX : XXXX I have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history XXXX this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. 
Please send me written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX XX/XX/82 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a Truist checking account in approximately XXXX  for freelance income, separate from my bank account with XXXX XXXX for my day job funds. At that time, checks I deposited were later flagged as potentially fraudulent and the account was restricted. I was instructed to contact the fraud department to close the account, but despite multiple attempts over the past few years, I have been unable to reach a resolution. 

The account remains open, but locked. I can still log in and see an available balance of approximately {$6700.00} that continues to accrue small amounts of interest. I have not attempted to withdraw the funds and simply want this matter formally resolved. 

I am requesting a formal review of this account, written clarification regarding the remaining balance, and either release of any legitimate funds or formal closure of the account with documentation that no obligation remains associated with my name. This matter has remained unresolved since XXXX  and I would like it concluded. Thanks!

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I needed to know which XXXX  disputes were resolved in my favor because they were all valid and I tried multiple times to tell them this yet they ignored them now I can not get in my XXXX  account because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was traveled to XXXX and used my card the entire time without issue. On the last day there the card was declined at a store and I was notified that the account had been frozen. When I returned to the XXXX, I called and asked them to unlock the account but I was told I needed to verify my identity. They required my government ID, proof of address, bank statements, and three paystubs. I've submitted all those and still haven't heard back. Im also unsure of why I had to in the first place.

I've had the card for 2 months now and never had this issue. I've made payments on time and accrued cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> l sent {$300.00} to my nieces Cashapp account. When she didnt receive the money we realized the money was sent to her old account that she could no longer access. My sister in-law called Cashapp and explained the situation and they told her the money would be refunded to me in XXXX days. I then sent {$300.00} to my nieces correct account which she received. 
When I hadnt received my original {$300.00} in the XXXX day timeframe I reached out to Cashapp. They said my bank would have to reverse the transaction. My XXXX XXXX couldnt reverse the transaction. 
I reached out to Cashapp and they told me to dispute the charge. They denied my dispute because I made the transaction. Cashapp has {$300.00} in an account my niece cant access and they refuse to return my money. My sister in-law and my niece have called Cashapp several XXXX and they wont let them access the account and reverse the transaction. 
Cashapp probably shouldnt let minors have accounts and shouldnt let money go into dormant accounts. In the meantime they are earning interest on my money and have no intention to return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am filing this complaint against Ally Bank for reporting false and inaccurate payment activity on an account associated with my name. 

Ally Bank is falsely reporting that payments have been made on this account in order to keep the account active and continue reporting it on my credit profile. I have not made the reported payments, and Ally Bank has not provided any proof that these payments were authorized or originated from my financial accounts. 

This conduct appears to be an attempt to misrepresent the account status, improperly re-age the account, and continue damaging my credit through inaccurate reporting. This is a serious violation of federal consumer protection laws and credit reporting accuracy requirements. 

I am formally requesting that Ally Bank provide a complete and verified account ledger, including : The date and amount of each alleged payment The method of payment ( ACH, check, card, or other ) The originating account information Proof that the payments were authorized by me If Ally Bank can not provide verifiable proof that these payments were made by me, the account must be immediately deleted from all credit reporting agencies. 

Additionally, I am requesting that Ally Bank cease reporting any inaccurate or unverifiable information and conduct a full investigation into this matter. 

Please also preserve all records related to this account, including account notes, internal records, payment logs, electronic records, and communications, as this serves as a formal notice to preserve evidence related to this dispute. 

I request a full written response and resolution through the CFPB complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULLCITY FINANCIAL SO is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL SO 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 2026-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I deposited {$4000.00} dollars into my key bank account to cover my XXXX and XXXX XXXX payment on XX/XX/year>. The money was confirmed cleared to originating account on XX/XX/year>. Key bank continues to hold my money causing for my XXXX to now bounce and over draft of my account. I have contacted Key bank multiple times in regards to this and have been meet with no assistance at all. This is causing substantial XXXX XXXX now, and I'm told there is not a guarantee that I will not have to pay any overdraft fees and or returned fees that are going to be associated with this. This has also caused my XXXX XXXXXXXX XXXX XXXX payments and general bills to bounce. 

Last interaction was today XX/XX/year> with supervisor XXXX reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
We received a letter from Jefferson Capital Systems XXXX stating I owed a debt that I dont. I have had a problem in the past with this company attempting to collect from me and have submitted complaints. I have never used affirm so I do not know where this debt originated from but it is not mine. I have disputed this debt on my credit report. With this being the second time this company has done this I feel I need to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Complaint Against : Jefferson Capital Systems I am filing this complaint regarding inaccurate credit reporting by Jefferson Capital Systems. 



This account is reporting as : Account Name : Jefferson Capital Systems Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX This reporting is inaccurate and misleading for the following reasons : The original account allegedly dates back to XXXX. 

Jefferson Capital Systems is reporting a date opened of XX/XX/XXXX, which appears to be re-aging of debt. 

I have not been provided with a signed contract or full chain of assignment proving ownership of this debt. 

The balance has not been properly validated. 



Under the Fair Credit Reporting Act ( FCRA 611 and 623 ), furnishers are required to report accurate information and conduct a reasonable investigation. 



I am requesting : Immediate deletion of this account from all credit reporting agencies Proof of a signed agreement Full payment history Proof of legal assignment If they can not provide full documentation, this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 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 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I am receiving repeated text messages from a debt collector regarding an alleged phone company debt. The messages are being sent back-to-back and feel excessive and harassing. I am requesting verification of the debt and that the communications comply with fair debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX. I attempted to drop coverage for XXXX XXXX on XXXX XXXX policy. The coverage was deleted over a month later and billing was not adjusted. 
XXXX. I started a XXXX Policy for my XXXX XXXX XXXX XXXX with {$100000.00} limits of liability and added my son XXXX XXXX as a driver and later discovered Underwriting didnt approve the change so there was NO coverage. 
I advised the XXXX needed proof of coverage and Several reps confirmed the coverage was active and emailed me the declaration page and insurance cards. 
Theres unauthorized changes on this account. The billing was never adjusted and the account was sent to collections. Ive made several attempts to resolve this XX/XX/XXXX with XXXX @ the general and several other Reps. She confirmed she saw the discrepancy and advised she would try to resolvd this and adjust the charges. I never hear back from her. 
XX/XX/XXXX Explained to situation to XXXX who transferred me to XXXX extension. I left her a message but no return call. 

XX/XX/XXXX called again and spoke to XXXX who advised he Will document and saw XXXX on file. The collection company has reported this count on my credit file and the charges are not accurate. The creditor/collections need to be accountable for their mistake. This account needs to be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Account XXXX Payment Due XXXX of each month I purchased a XXXX XXXX XXXX XX/XX/XXXX from Westlake Financial ; with a payment of {$700.00} monthly. i have never paid a late payment. On XX/XX/XXXX. I made my regular payment against my Checking account and Routing number. Consequently, according to Westlake Financial the payment was declined ; after this happened the third time, I called Westlake back and I was told that their company only used the last two ( 2 ) numbers of my account number. As a result of this practice, I was not only charged a late fee {$40.00} but a return check fee of {$25.00}. My account number and routing number identifies the individual account holder therefore I am not financially responsible for their practices. The payment made on XX/XX/XXXX was made on the Westlake website. 

My first payment XX/XX/XXXX, which was for two ( 2 ) months I was told by Westlake that the payment was declined by XXXX XXXX XXXX, upon contacting my financial institution. The payment was never submitted, again I was charged a Fee of XXXX Insufficient Fund fee. 

On XX/XX/XXXX I attempted to contact a Supervisor at XXXX I was not able to speak to a supervisor. I was continually told to hold on which I did for 40 minutes ; when no Supervisor EVER answered I terminated the call and decided to file a Formal Complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I had 4 transactions that were not authorized in New Jersey, which add up to a total of {$780.00}. at that time, I was in New Hampshire. First, I called the phone number on the back of my TD Bank card making a claim about the four transactions. 

The next day, XX/XX/XXXX, I went to my nearest TD Bank, and I made a second claim for the same amount and the same transactions, I received both of the claims on XX/XX/XXXX and XX/XX/XXXX. Which I knew it was a mistake, Then TD Bank took one of the claims off my account on XX/XX/XXXX, " DEBIT Reverse Provisional Credit ''. 

On XX/XX/XXXX, TD Bank took my original claim of {$780.00}, I called many times I didn't received anything from them. Somewhere in XX/XX/XXXX, I went to TD Bank to solve my problem, they told me that the amount of the transaction matches with my spending and that I was 3 minutes away of each transaction in New Jersey, Which I proceeded to tell them that I never been to New jersey in my life. 

Since then, I've been calling and calling and not hearing nothing from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Account XXXX XXXX # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account number XXXX, as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation