vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My kid and I finished the lease in full. I have the walk through inventory signed by the leasing office, I have email correspondance, aopoproval of my notice to not renew, a letter requesting that I renew ( implies there was not any issues ) and copies of my bank statments showing payments, a copy of the new lease in a rental house after I moved from the aparment, and copies of every check, and letter paid and sent to the property from a non profit- Endeavors who paid a portion of my rent for several months, including the last month. In addition they opened the Collection Account before the " alleged move out date '' that they put in their credit owed statement. So they say I owe a debt, but they already had this " Future '' debt on my credit report. The company who manages the property now say that there are not any files nor do they have access for any files for any resident before they took over and said that they dont see any debt. THE ONLY PEOPLE SAYING I OWE A DEBT IS THE COLLECTION AGENCY. 

Lastly they would only talk to me through email and they only went by the name XXXX, not tile, no signature line, no surname, no first or last name. Just XXXX. XXXX. There is no employee by the name of XXXX in the entire company. This is damaging my credit and I am doing everything to repair it. Now they have refused to communicate with me since XX/XX/year>. They added on the itemized list of charges, XXXX dollars for carpet cleaning, which i didnt have any carpet, and around XXXX for pest control e4ven through I paid every month for that service ( who never came btw ) and had a service animal. They would not tell me what pest the found or answer any questions., The owners of the propery own the carpet cleaning company as well.

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: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, Sequium Asset Solutions LLC sent me a written notice attempting to collect an alleged telecommunications debt originally from XXXX XXXX XXXX XXXX in the amount of approximately {$2700.00}. 

After receiving this notice, I sent Sequium Asset Solutions LLC a written request for validation of the debt and requested documentation including the original service agreement, complete itemized billing statements, and proof of their legal authority to collect this debt. 

Sequium Asset Solutions LLC did not provide the requested documentation. 

Despite this, Sequium Asset Solutions LLC reported this account as a collection on my XXXX and XXXX credit reports around XX/XX/XXXX. 

This account does not appear on my XXXX  credit report, which raises concerns about the accuracy and completeness of their reporting. 

Sequium Asset Solutions LLC continues reporting this account without providing sufficient documentation to validate the alleged debt. 

This reporting has negatively impacted my credit. 

I am submitting this complaint so this matter can be investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for failure to conduct a reasonable investigation under FCRA 623 ( b ) and for continued inaccurate reporting. 

This account, reported as originally associated with XXXX, was verified during an active and unresolved identity ( PII ) dispute across XXXX XXXX and XXXX. At the time of verification, my identifying information was materially inaccurate and under formal reinvestigation. A furnisher must conduct a reasonable investigation and ensure identity accuracy prior to verification. Jefferson Capital failed to meet this obligation. 

Despite this unresolved dispute, Jefferson Capital continued reporting the account as accurate and permitted downstream collection activity through a third-party law firm, XXXX & XXXX XXXX XXXX activity during an unresolved identity dispute amplifies harm and reflects systemic investigation failure. 

Additionally, this account is reported as a factoring company account placed for collection. Given that XXXX is no longer operating, Jefferson Capital must be able to produce complete chain-of-title documentation and original account-level records to support verification. No such documentation has been provided. 

Jefferson Capital has failed to : Conduct a reasonable investigation Ensure identity accuracy prior to verification Provide documentation supporting verification Prevent downstream collection activity during an unresolved dispute

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Bank of America credit card was stolen. The first unauthorized XXXX * XXXX charges posted on XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. The bank removed charges and issued a replacement card. 

After the replacement card was issued, unauthorized XXXX * XXXX charges continued. I reported fraud again on XX/XX/XXXX and another replacement card was issued. Unauthorized charges continued again in XXXX and XX/XX/XXXX. I reported fraud a third time on XX/XX/XXXX. 

Each time a new card number was issued. However, the new card number was automatically provided to the same merchant, allowing fraudulent charges to continue. 

During the second dispute, I was informed this may be related to XXXX Account XXXX or an automatic card update service. I requested that this service be permanently disabled due to ongoing fraud. Bank of America told me they could not disable it and referred me to XXXX. XXXX directed me back to Bank of America. 

I spent hours being transferred between Bank of America and XXXX. At one point I conducted a three way call with both institutions, and neither would take responsibility for disabling the account updater service. 

I also contacted XXXX. They would not assist me because the card is linked to a XXXX account that is not in my name. As a result, my replacement card numbers continue to be associated with a XXXX account that is not mine and was used fraudulently. 

Unauthorized charges posted as follows : XX/XX/XXXX {$21.00}, {$10.00}, {$5.00}, {$5.00} XX/XX/XXXX {$32.00}, {$9.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX {$32.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$10.00} XXXX, {$5.00} XXXX Total unauthorized charges were {$280.00}. Only {$240.00} has been credited, leaving {$37.00} unresolved. 

I have spent approximately 16 hours resolving this issue, including repeated fraud calls, updating legitimate merchants after multiple card replacements, switching to another credit card, and dealing with declined transactions. 

I have been left with the impression that the only way to stop this issue would be to close my established credit card account and open a new account, which could negatively impact my credit history and length of credit. I should not have to close an established account due to the banks failure to disable an automatic card update service after documented fraud. 

Despite multiple fraud reports, Bank of America has failed to stop automatic updating of replacement card numbers to a merchant associated with documented fraud. I believe this reflects a failure to adequately protect my account after notice of fraud.

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 2026-02-17 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: HI

Complaint narrative:
Subject : Complaint Against PayPal - Unauthorized Transaction and Account mishandling Transaction Details : Payment to XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX UNITED STATES XXXX ID : XXXX Date of Transaction : XX/XX/XXXX Amount : {$1800.00} Case/Dispute Number : XXXX & XXXX Description of the Issue : I am filing this formal complaint regarding an unauthorized transaction that occurred on my PayPal account on XX/XX/XXXX. I did not make this purchase, nor did I authorize anyone else to use my account. I was made aware of it because I got a text message from Paypal saying that they locked my account due to suspicious activity. 

Upon discovering the fraudulent charge, I immediately reported it to PayPal through their Resolution Center. I have provided them with all available information to demonstrate that this transaction was fraudulent. Despite my multiple appeals and clear communication that my account security was compromised, PayPal has repeatedly denied my claim. They insist the transaction was " authorized '' without providing sufficient evidence to support this conclusion. 

As a result of their refusal to reverse this fraudulent charge, my PayPal account now reflects a negative balance, and they have sent this charge to a collections agency. This places me at risk of unjustified collection actions and potential damage to my credit score. 

Steps I Have Taken : I filed an initial dispute on XX/XX/XXXX, immediately after noticing the charge. According to their resolution center, the case was closed in my favor and were refunding the charge. To date, they have still not refunded the money. 

I called again after being sent a text from Paypal stating that I needed to pay for the fraudulent charge, to which they told me it was an authorized charge after all and I needed to dispute it again. I filed another dispute on XX/XX/XXXX, which was then closed not in my favor. So now my account shows that I have one case closed in my favor and one closed not in my favor, still with the negative balance. 

I have contacted customer support multiple times to explain that this charge was not initiated by me. They have been extremely unhelpful and will not allow me to escalate the case or talk to a superior, hanging up on me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Easier Funding, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a written request to cancel my credit repair services after completing the initial XXXX period that I was told would allow cancellation. 

I did not receive confirmation of cancellation. On XX/XX/year>, I sent a second written notice formally canceling services and revoking authorization for any future recurring payments. 

Instead of confirming cancellation, the company responded stating that I am locked into a XXXX contract and that cancellation is not permitted. They requested that I call them to discuss moving into a second phase of the program. 

I was not clearly informed at enrollment that I would be bound to a non-cancelable XXXX agreement. I was told I could cancel after XXXX  days. The company has not provided documentation showing the specific work performed on my account despite my request. 

I am requesting cancellation of services, written confirmation of termination, and that no further recurring payments be processed.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AR

Complaint narrative:
Immediate Escalation -Unathorized Transaction Claim ID XXXX XXXX I was Denied Twice Under the Electronic Fund Transfer Act ( Regulation E ), I am Requesting : A Full reinvestigation of this Claim I provided They Error on letting A Transaction go through without my Consent this charge was Fraudulent, and I'm holding Chime Responsible for properly investigating and resolving this matter XXXX Taking {$200.00} from me and I wasn't aware until I looked into my account and I cancelled my card soon as I noticed in called Chime it was in unknown device added to my account and I told Chime I needed more Protection to my account and I disputed it once they denied it so I denied it a 2 time I still was denied so I'm taken my time trying to get this issue heard I'm tired of dealing with chime and they are very unprofessional and cruel and don't wont to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is a repeat of and addition to complaint XXXX. After the servicing company, Mr. Cooper, admitted their mistake and provided corrective action for case XXXX, they continued to charge me for the lender placed insurance multiple times. I was credited for the charge then charged again more than once. Each time I had to call and escalate the issue within their internal departments to attempt correction. I had to call several times to finally get a credit, just to have them charge me again. They continued to refuse and fight to credit me, which I had to debate each time by providing their written response to case XXXX. 

Mr. Cooper demonstrated a pattern of non-compliance under 12 U.S.C. 2605. They were recidivating and not taking action in a timely or reasonable matter. 

My previous claim was validated, yet they continued to repeat the error multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TX

Complaint narrative:
I disputed this account through XXXX, XXXX, and XXXX during an active identity ( PII ) dispute due to material inaccuracies in my identifying information. Despite the unresolved identity dispute, Jefferson Capital verified the account as accurate.

A furnisher is required under FCRA 623 ( b ) to conduct a reasonable investigation upon notice of dispute. Verifying an account while identity discrepancies remain unresolved does not meet this standard.

Jefferson Capital has continued reporting the account as a collection and has engaged in active collection activity without providing documentation supporting verification. 

I am requesting a lawful reinvestigation, full method of verification disclosure, and deletion if the account can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
Subject : REPEAT OFFENDER - Non-Response XXXX  Complaint # XXXX & Continued FCRA Violations Company : Rent Recovery Solutions, LLC Narrative : I am filing this secondary complaint because Rent Recovery Solutions ( RRS ) has failed to respond XXXX  my previous CFPB complaint ( Case ID : XXXX ) filed on XX/XX/XXXX. That complaint was sent XXXX  the company on XX/XX/XXXX, XXXX  the status remains " XXXX has not responded '' as of XX/XX/XXXX. 

Despite ignoring the CFPB 's inquiry XXXX  failing XXXX  validate the debt as required by FDCPA XXXX ( b ), RRS continues to furnish negative information to XXXX. This constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) : Violation of FCRA XXXX ( b ) : The company failed to conduct a reasonable investigation into my dispute. Ignoring a CFPB complaint is the definition of failing XXXX  investigate. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) : The company is furnishing information it knows or has reasonable cause XXXX  believe is inaccurate. 

Violation of FDCPA XXXX ( b ) : Continued collection activity ( via credit reporting ) on a disputed debt that was never properly validated ( specifically regarding the disputed carpet charges and security deposit accounting ).

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I submitted my final payment to XXXX bank XXXX I took out this card XXXX help finance copays for my dental work. I've made all of the payments plus over {$340.00} in late fees that were charged over the course of the account. I live paycheck XXXX  paycheck on XXXX XXXX XXXX I get paid XXXX  in the middle of the month. I was denied application XXXX  their " hardship '' program. I received emails monthly stating that my account was " all caught up '' after the due date, XXXX  after they assessed a late fee XXXX  my account. There was no mention of late fees in the email. I struggled XXXX  adhere XXXX the due date. I requested a change in due date and was denied. I live on the XXXX XXXX and the due date is XXXX eastern time. I made my last few payments just within this time frame. I was granted only XXXX reversal of late fee per XXXX  months period. I repeatedly explained my situation. So today, XX/XX/year> I made the final payment of nearly {$2000.00} original bill... again, I paid this company more than {$340.00} in late fees. I was in good standing until today when I paid the final payment about XXXX hours past the cut off time because I am on the XXXX XXXX. It would have been on time if on the XXXX XXXX. I feel that this companys business practices lack humanity, or reasonable consideration in this case. I feel that their practices are deceptive XXXX  they encourage the customer XXXX  pay late fees, XXXX  have no consideration that the customer is indeed upholding their responsibility. This {$40.00} late fee-after I had just finished paying the balance, should be waived with all things considered. I feel that I am being unfairly treated XXXX  would like to request your investigation of this business. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I am submitting this complaint regarding an unauthorized disclosure of my personal financial information by my credit card issuer. 

I attempted to purchase a fishing expedition on XX/XX/year> with XXXX XXXX out of XXXX for an upcoming vacation. The transaction was denied. I received a text message to my number asking if the transaction was authorized in which I responded YES. Still the transaction was denied. 

I called the XXXX XXXX Citi Bank credit card XXXX to inquire on the incident and ask for the transaction to be put through. They stated I had to wait XXXX business days to obtain confirmation that my card can be used for such transactions and that I would receive a phone call from their protection department. 

The credit card company left a voicemail message containing my full name, confirmation that I hold an LL Bean credit card, and information that a transaction on my account was declined, including a reference number and phone call to call back to unlock my account. This voicemail was left on a phone number belonging to my mother, a phone number that has never been associated with my account. 

I did not authorize my mother to receive information about my credit card account. She is not an authorized user, account holder, or designated contact on my account, and I have never provided consent for my account information to be disclosed to her. She has NEVER been associated with this credit card or any credit card. 

After I contacted the credit card company, I was told that my mothers phone number was on file for my account. However, I never provided authorization for that number to be associated with my account or for disclosures to be made to that individual. Having a phone number on file does not constitute consent to disclose nonpublic personal information. 

The voicemail disclosed sensitive nonpublic personal information, including the existence of my credit account and specific account activity. This information was left in an unsecured voicemail message without verification of the recipients identity. 

I am concerned that this disclosure represents a failure to safeguard my nonpublic personal information as required under the XXXX XXXX, and that the companys voicemail and contact verification practices are inadequate. 

I have requested that the credit card company : - Acknowledge and document this incident as a privacy violation - Explain how an unauthorized phone number was associated with my account- Confirm what corrective actions have been taken to prevent future unauthorized disclosures - Provide appropriate remediation for this privacy breach They have failed to provide all of the above.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding my banks handling of a charge dispute for {$510.00} XXXX purchased a ticket through XXXX for a concert at XXXX XXXX in XXXX XXXX, California. Upon arrival at the venue, my ticket was scanned XXXX  returned an invalid barcode message. I was denied entry XXXX  did not attend the event. I attempted XXXX  resolve the issue at the venue but was unsuccessful. 
Because I did not receive the service I paid for, I filed a dispute with my bank. The bank initially credited my account but later reversed the credit XXXX  sided with the merchant. As a result, my account was placed into a negative balance. 
I am requesting documentation of the banks investigation, including : * What evidence the merchant provided * Whether proof was provided that I attended the event * Whether the bank reviewed the barcode status or scan log I did not receive the service purchased. The ticket was deemed invalid at entry, XXXX  no admission was granted. I believe the dispute investigation was incomplete XXXX  improperly resolved in favor of the merchant. 
I am requesting : * Reversal of the chargeback decision * Restoration of the disputed funds * Removal of any related negative balance or fees * A detailed explanation of the investigation conducted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Money was stolen. XXXX for {$750.00} XXXX  XXXX for {$250.00}. I told capital one this XXXX  they denied that money was stolen. Money was stolen.

Company response to consumer: Closed with explanation