vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Collection Attorneys USA LLC
State: TX

Complaint narrative:
I am seeking guidance regarding a debt collection matter involving an alleged debt connected to XXXX. I was contacted by phone from numbers including ( XXXX ) XXXX and XXXX. The callers initially stated there was a case against me and referenced attempts to locate and serve me. During the calls, they used language involving possible breach of contract, intent to deceive, workplace contact, and even stated that police could come to my home. When I asked what the claim was for, the caller initially refused to explain and hung up. I later learned the collection agency involved is Collection Attorneys USA LLC, allegedly collecting on behalf of XXXX. They later stated that no lawsuit has actually been filed against me at this time, but they discussed possible legal action and offered settlement options. I attempted to handle the matter professionally by requesting written validation of the debt, including : - the original creditor, - amount owed, - payment history, - and proof they are authorized to collect the account. I also requested that all future communication be provided in writing rather than by phone. The collector responded by stating they would not provide written communication because the debt was past collection. My concerns are : 1. Whether the collection tactics and threats used violate the FDCPA or other consumer protection laws. 2. Whether the collector has proper authorization and documentation to collect the debt. 3. Whether the references to police involvement, service, and legal action were misleading or unlawful. 4. Whether I am actually at risk of being sued. 5. Whether the settlement offer is legitimate and in my best interest. At this point, I have not agreed to any settlement or payment and would like advice regarding my rights, the validity of the collection efforts, and the safest way to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX th XXXX, I made payments to my loan. Each payment for {$1000.00}. Rocket mortgage is failing to provide credit for the XX/XX/XXXX payment stating it dis not clear. I have confirmed with my bank several times the payment cleared and was sent to Rocket mortgage. As of today they still have not provided credit for the XX/XX/XXXX payment pf {$1000.00}. The money has been out of my checking account for both payments. I can not seem to get anyone at Rocket to actually take the time to resolve this. I am attaching bank proof that both payment have in fact cleared to Rocket mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Bridgecrest Account # XXXX. I made the required minimum payment to prevent repossession. Bridgecrest wrongfully repossessed my vehicle anyway from a holding lot after a car accident. By seizing the car before my insurance company could inspect it, they actively prevented me from using my GAP insurance and auto insurance coverage. They are now aggressively harassing me via text and email for a deficiency balance they caused by blocking my insurance claim Bridgecrest ( Account # XXXX ) committed a wrongful repossession in XXXXXXXX XXXX The vehicle was in an accident on XX/XX/year>, which Bridgecrest was notified of. On XX/XX/year>, I made the required minimum payment, which Bridgecrest accepted. Bridgecrest illegally repossessed the car from a holding lot. Their actions intentionally blocked my primary insurance and GAP insurance providers from totaling out the vehicle, and they are now harassing me for a deficiency balance they caused. To resolve this matter without the need for formal litigation under XXXX consumer protection laws, I demand that Bridgecrest execute the following remedies within fourteen ( 14 ) business days : Complete Debt Forgiveness : Zero out the balance on Account # XXXX permanently. Provide written confirmation that the deficiency is waived and will never be sold or transferred to a third-party debt collector.Full Credit Deletion : Submit an immediate request to XXXX XXXX XXXX XXXX to completely delete this trade-line from my credit reports. Marking it as a " paid repo '' or " settled '' is unacceptable for an illegal seizure.Refund of Payment : Refund the minimum payment made on XX/XX/year>, which was accepted in bad faith immediately prior to the repossession.Cease and Desist : Immediately stop all automated text messages, emails, and phone calls to my personal contact lines. Please be advised that I have a personal injury claim currently being handled by XXXX XXXX XXXX stemming from the XX/XX/XXXX accident. I am prepared to retain separate consumer counsel to file a civil lawsuit against Bridgecrest for wrongful repossession, statutory damages under XXXX UCC Article 9, and violations of the Fair Debt Collection Practices Act ( FDCPA ). I will also supplement my existing filings with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX Attorney General if this is not resolved.Please direct all future correspondence and your written agreement to these terms strictly via U.S. Mail to my address listed above.Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo 's Executive Office has refused to honor an advertised {$320.00} checking promotion due to an internal tracking defect. I initiated my application on the correct promotional page and met all direct deposit milestones. However, during onboarding, Wells Fargos system forced a mandatory email verification step. Clicking that link initiated a fresh browser session, which systematically broke the original URL 's session attribution and erased the promotional tracking cookie. The bank is weaponizing a flaw in its own security software to evade paying a contractually earned incentive to a consumer acting in complete good faith.

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 — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Complaint : I am filing a complaint regarding the reporting of a collection account by Portfolio Recovery Associates on my XXXX credit report. My credit report shows this account as a collection account with ongoing derogatory payment history. I dispute the accuracy, completeness, and reporting of this account. The account is being reported with repeated derogatory monthly notations beginning after the account was opened in XXXX, and this reporting is negatively affecting my credit. I am requesting verification that Portfolio Recovery Associates has the legal right to collect this debt and that all information being reported to the credit bureaus is accurate. I request that Portfolio Recovery Associates provide : Validation of the debt, including the original creditors name, original account number, and the full amount allegedly owed. Documentation showing they have legal authority to collect this debt. A complete payment/account history from the original creditor. Verification of the date of first delinquency being reported. Verification that the balance and collection status being reported to XXXX are accurate. Correction or deletion of any inaccurate, incomplete, unverifiable, or improperly reported information from all credit bureaus. If Portfolio Recovery Associates can not fully validate this debt or verify the accuracy of the reporting under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request immediate deletion of this collection account from my credit report. This account is causing harm to my credit profile, and I am requesting a prompt investigation and written response. Helpful attachments : Screenshot of the credit report ( the one you uploaded ) Any letters from Portfolio Recovery Proof of payment if you paid/settled it Any previous dispute letters or responses Submit here : CFPB Complaint Portal If this debt isnt yours, was already paid, or is past the reporting limit, include that in the complaintit makes the dispute stronger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: FL

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC and their attempts to collect and litigate a debt that does not belong to me. The alleged account was previously disputed with the credit reporting agencies because I never opened, authorized, or used this account. After my disputes, the account was removed from my credit reports due to lack of sufficient verification. Despite this, Jefferson Capital Systems , LLC later filed a lawsuit against me in XXXX XXXX, Florida attempting to collect this alleged debt. I formally requested debt validation and specifically requested documentation proving that I opened or authorized this account, including signed agreements, proof of identity verification, and documents connecting me personally to the account. To date, no such evidence has been provided. The documentation provided by Jefferson Capital Systems , LLC consists mainly of billing statements containing a partial/similar name and my address. However, this does not prove that I am the individual responsible for the account. The information appears to relate to someone with a similar name, not me. No signed contract, complete identifying information, authenticated records, or reliable proof of identity has been provided connecting me to this debt. Despite the lack of proper validation, Jefferson Capital Systems , LLC continues pursuing collection through litigation, causing emotional distress, financial burden, loss of work time, and unnecessary hardship. I respectfully request that this matter be investigated and that Jefferson Capital Systems , LLC be required to provide proper proof identifying the true account holder or cease all collection activity related to this account.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband and I have a Capital One account. I have a XXXXXXXX XXXX XXXX XXXX Account. Our XXXX XXXX has a XXXX XXXX account. We have to pay our contracts within the daily limitations of XXXX. From my personal account, I sent $ XXXX ( my limit ) and our contractor received it within the same day. No issues. I have actually sent a couple more {$2.00} payments. Our issue : From our Capital One account, we sent $ XXXX on XX/XX/year> and our contractor has not yet received the payment ( XX/XX/XXXX ). We have both called our respective bank institutions but they are just telling us to call the other bank. Capital One says they will start the dispute process but was unable to tell us what that process looks like or how long it will take. They just kept saying that it is " Completed '' on our side and that the recipient has to wait for the amount but they do agree that too much time has passed. Our contractor will check with their XXXX bank as well. We are beyond frustrated that our {$3000.00} is " lost '' somewhere. We will not ignore this issue and will continue to fight it as this is not an insignificant amount. They also promote safe and easy transactions on their website with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page tells you to contact your bank. XXXX XXXX XXXX We should not allow these institutions to not contact them, or to not share the process they are doing to dispute this transaction. It makes no sense that our money left our account and has not been received. Where is it?! Thank you for your help! Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
opened a Wells Fargo bank account approximately two years ago. I lost my Wells Fargo card and I lost access to my account In XX/XX/XXXX, I contacted Wells Fargo and reported the situation, requesting that they close my account. They assured me it was closed. I believed my account was no longer active until XX/XX/XXXX, when I attempted to open a new account with Wells Fargo. I was informed that I was unable to do so because a {$5000.00} check had been deposited into my previous account. Wells Fargo later had to cover the funds after the check was returned, leaving me with a negative record on my credit report Because of this fraudulent activity, I am now unable to open a bank account or conduct any financial transactions that require a credit report. I believe I know who may have committed this fraud. I have already taken steps to protect myself, including freezing my credit report.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for failing to resolve a dispute involving merchant fraud and misrepresentation despite overwhelming evidence, including official written confirmation from the defrauded organization itself. What happened : I purchased 4 tickets to XXXX XXXX through the website XXXX, which appeared as a top XXXX search result and presented itself as the official ticket vendor. The domain deliberately mimics the official organization 's website ( XXXX ). At no point prior to purchase was I informed I was buying from a third-party reseller. The charge appeared on my statement as " XXXX XXXX XXXX XXXX '' a name that never appeared anywhere on the website before purchase. Key evidence I submitted to AMEX : - Screenshots of the deceptive website showing no reseller disclosure - Order confirmation showing no mention of " XXXX XXXX XXXX XXXX '' - Credit card statement showing the billing name mismatch - Official written confirmation from XXXX XXXX ( Support Ticket # XXXX, dated XX/XX/year> ) stating verbatim : " Since these tickets were purchased from an unofficial website, we can not guarantee their authenticity. XXXX XXXX is only responsible for tickets purchased on its official website. '' AMEX 's response : Despite this evidence, American Express denied my dispute citing " services rendered, '' accepting the merchant 's ticket confirmation email as sufficient proof of delivery. This determination ignores the official confirmation that the delivered tickets are of unverifiable authenticity. Delivery of unverifiable goods does not constitute services rendered. I am a XXXX cardholder. I requested escalation and submitted all documentation in writing. AMEX has refused to reverse the charge of approximately {$320.00} USD. I have also filed a complaint with the FTC citing deceptive domain impersonation under FTC Act Section 5. This merchant operated a fraudulent website designed to impersonate an official cultural institution, sold tickets of unverifiable authenticity, and American Express has failed in its duty to protect its cardholder from this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
On XX/XX/2026, Lloyd & McDaniel , PLC sent me a second debt-collection notice this one on alleged XXXX XXXX XXXXXXXX account XXXX XXXX, claiming a balance of {$12000.00} ( their file number XXXX ). The notice identified Lloyd & McDaniel , PLC as a debt collector. On XX/XX/2026, within the statutory XXXX validation window, I sent Lloyd & McDaniel , PLC a separate timely written dispute and validation request specifically for file XXXX by XXXX Certified Mail, Return Receipt Requested. My letter disputed the entire alleged debt and requested the same specific items required for validation under 15 U.S.C. 1692g ( b ) : the signed cardholder agreement, a complete itemized account history from opening through charge-off, the identity of the current debt owner, a full chain of title from XXXX XXXX XXXXXXXX XXXX XXXX. to the present owner specifically identifying account ending XXXX, the date of first delinquency and charge-off, written authorization to collect, and the firm 's XXXX licensing information. My letter restricted contact to written XXXX Mail only. On XX/XX/2026, Lloyd & McDaniel , PLC sent a one-page response on file XXXX that mirrored its response on file XXXX. The response did not provide validation. It contained only an account opening date, a one-line current-balance statement, a referral to a XXXX XXXX XXXX XXXX XXXX, and an enclosure of approximately XXXX XXXX of billing statements. It did not include the signed cardholder agreement, chain of title or assignment documentation, an itemized account history from opening through charge-off, the date of charge-off, the date of first delinquency, the current debt owner 's identity, or XXXX licensing information. Today, XX/XX/2026, I am sending Lloyd & McDaniel , PLC a follow-up certified letter on file XXXX renewing my dispute and itemizing the validation deficiencies. I am also filing this CFPB complaint because the firm 's response on this account, like its response on file XXXX, fails to meet the validation requirements of the FDCPA and Regulation F, and because the firm appears positioned to continue collection on a {$12000.00} alleged debt without producing proof of ownership or any documentation tying the alleged balance to me specifically.

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 — Add-on products and services
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank advertises Auto Rental Collision Damage Waiver ( XXXX ) coverage as a benefit of their credit cards, specifically the US Bank XXXX XXXX XXXX XXXX XXXX. I rented a car using my US Bank XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/year>. In XXXX XXXX 108 days after the end of the rental, I received an invoice from the rental company for damage to the vehicle. On the same day, I submitted a claim for the Auto Rental Collision Damage Waiver ( XXXX ) coverage provided by my US Bank XXXX XXXX XXXX XXXX XXXX. US Bank uses a third-party administrator, XXXX XXXX XXXX XXXX to administer claims. My XXXX claim was denied on the sole basis that, according to them, I didn't notify them of the damage within 45 days and didn't submit all documentation of the claim within 90 days. This denial is unreasonable and made entirely in bad faith. I submitted the claim and sent all relevant documentation within 1 day of receiving the invoice for damage from the rental company. I could not have reasonably submitted a XXXX claim before being notified by the rental company of the cost and my responsibility to pay. But US Bank and its administrator insist simply because this was more than 90 days after the end of the rental period, the claim is denied. The terms and conditions of this coverage justify the existence of a notification deadline to prevent additional charges accumulating due to a delay in addressing the claim. But this does not apply in my case. There was no relevant or meaningful delay, and no additional charges were accrued, because I filed the claim the same day the invoice was sent to me. The terms and conditions of this coverage do not anywhere imply that the 90 day deadline is absolute : where it is mentioned in the terms and conditions it is only stated that a claim " XXXX '' be denied on that basis ; elsewhere it is mentioned that documentation should be submitted within 90 days or " as soon as reasonably possible ''. I believe I acted reasonably and handled everything within my control in a timely matter ; the only delay in this case was due to the rental company. But that delay was not meaningful or irregular and did not cause any damage to US Bank or its XXXX. US Bank by its actions in this case is effectively insisting that this XXXX coverage absolutely expires 90 days after a rental. That is not how this coverage is advertised, and no reasonable person would interpret the terms and conditions to imply that. This would make such coverage effectively useless, because rental companies are not prevented from billing for damages many months or even years after a rental. US Bank is using this arbitrary 90 day filing timeline maliciously and in bad faith to deny my claim.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently experienced a levy on my bank accounts from XXXX and Capital One. After coming to an agreement with the law firm, the levy was released and my XXXX account was resolved with 48 hours. However, Capital One claims they never received notification of the release despite multiple documents faxed directly from the law firm to Capital One. It has been 2 weeks since the initial fax releasing the levy but Capital One claims their team has not received it.

Company response to consumer: Closed with explanation