vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I sent a {$320.00} XXXX payment from my Bank of America account to a vendor I have previously paid using XXXX. The payment immediately showed as Pending Review Sanctions Screening. I contacted Bank of America multiple times regarding the status of the transfer. I was told that the transaction was flagged for a sanctions review and that I needed to contact the U.S. Treasury Office of Foreign Assets Control ( OFAC ) to obtain a license to release the funds. Bank of America specifically instructed me to call XXXX. However, that phone number does not provide assistance to consumers and leads to a dead end. I have been unable to reach anyone who can resolve the issue. As of today, the payment has been pending since XX/XX/year>XXXX ( over two weeks ), and neither the funds have been delivered to the recipient nor returned to my account. I am requesting that Bank of America either complete the sanctions review and release the payment or cancel the transaction and return the {$320.00} to my account immediately. I would also like clarification as to why I was instructed to contact OFAC directly when consumers do not have the ability to resolve bank sanctions screening issues themselves.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card already approved the card and after I used the card now they are asking for my taxes for a credit card with XXXX. They are asking for my taxes but they reported to the better XXXX XXXX that they were asking for identification. They are missleading the XXXX and they are missleading the customers. They did not ask for anything before approving the card. After I used the card is when they decided to asked for my taxes. I have also a XXXX XXXX Credit Card that is affiliated with this Company, for more than 5 years and other credit cards and neither one of them have been asking for my taxes. According to Corporate office they need to verify my income. if they need to verify my income they could ask for my pay stubs or call my job. Below is my response to them. Your explanation is unacceptable. If identity verification were truly required, you could have simply requested a copy of my drivers license, as most reputable companies doincluding XXXX XXXX, which is affiliated with your organization and with whom I have held an account for over five years. Requesting my tax returns is entirely inappropriate and unnecessary. Additionally, asking me to confirm whether I have filed taxes is intrusive and unacceptable. At this point, you may keep the card. I do not wish to conduct business with a company that requires access to personal tax information for a modest credit line of {$1000.00}. This level of intrusion into a customers private financial matters is unreasonable. For the record, I have been filing taxes for more than 20 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CO

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/26 XXXX XXXX - incorrect name XXXX XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX incorrect address

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 2026-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BTH Management
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Im writing to dispute the validity and accuracy of the alleged debt. I am formally requesting validation of the debt pursuant to my rights under the Fair Debt Collections Act. At this time, I dispute the amount being claimed as inaccurate. I addition I would like sufficient documentation demonstrating that I am legally obligated to pay the amount you claim. As well as original terms of the debt. Until you provide the requested documentation validating the debt, you mast cease all collection activities regarding this account. If this account is being reported to any agencies, please not that this debt is in dispute. If you are unable to provide validation, I am requesting this account be removed from my credit filed that all collection attempts are ceased immediately. I expect your written response within 30 day of this receipt of this letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Mortgage servicer owed a {$140.00} refund for an escrow account balance. The servicer issued a check on XX/XX/XXXX, which was received and deposited thereafter. The check bounced and was unpaid by the bank. I contacted the servicer to inquire and was told that there was an internal account error with the way the check was printed and that the cashiering department stopped payment on the check. At that time, I requested that the check be reissued, and also sought reimbursement for {$20.00} that our bank charged us for the bounced check. My request was escalated. I called again on the week of XX/XX/XXXX and was informed that the request was approved and that the check was reissued that week, and included the additional {$20.00} reimbursement. As of XX/XX/XXXX, we still have not received the escrow refund or the additional {$20.00} reimbursement for the bank fee. On XX/XX/XXXX, I called and spoke with XXXX in the escalations department, who advised that I was misinformed previously. The check still has not been reissued ( since XX/XX/XXXX ), and the {$20.00} reimbursement can not be granted. He stated that their policy is not to reimburse customers for fees incurred, even when the result of an error they make. We are still seeking the refund of the account balance that's owed, as well as the additional {$20.00} fee reimbursement. A customer can not be held liable for damages as a result of internal accounting errors at no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
In XX/XX/XXXX, I mailed XXXX checks, each amounting to {$1900.00}, to Mohela to pay off most of my student loan balance. I mistakenly sent the checks to their old mailing address, but they still received and cashed them on XX/XX/XXXX. Ive been in contact with XXXX ever since, pleading with them to process the payment. Its now XX/XX/XXXX, and the payment has not been processed. I provided proof from the mortgage company that they cashed the checks, but they have yet to respond or resolve the issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ARS To Whom it May Concern, This letter is in response to a Collection reported on my credit report. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be re sponding or acknowledging any further collection attempts from you until you have verified that this debt is mine. [ I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. b ) Defamation of Character. ] Thank you for your consideration. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card was paid in full and the account was closed and they continued to accrue fees thereafter and claimed it was for interest. stated they were going to send a letter never did and it accrued more interest. When you close a card it should be closed .. was paid in full and interest kept accruing will never use this card again too hard to get it closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, my wife called Jefferson Capital and spoke with a representative named " XXXX '' and a supervisor named " XXXX '' regarding XXXX accounts : XXXX XXXX accounts ( {$1800.00} and {$710.00} ) and XXXX XXXX account ( {$230.00} ). Please note : Both representatives were in the setting of a call center, and both were foreign so there was a language barrier. I am reporting the following violations : 1. Failure to Validate & Itemize ( 15 U.S.C. 1692g ) : For Account # 1 ( {$1800.00} ), the representative admitted to {$530.00} in fees but could not provide a breakdown, stating only that it " may be late fees. '' For Account # 2 ( {$710.00} ), the agent admitted he could not identify the {$150.00} in fees, stating there was only a " tag '' on the file but no specific explanation. Please note : the previous collection agency deleted the account due to inaccurate billing. It shouldnt have been sold. However, if Jefferson Capital decides to sell any of the three accounts, I will hold them accountable. 2. Collection of Inaccurate/Deleted Debt : Regarding Account # XXXX ( XXXX, {$230.00} ), the previous agency had already issued a letter for deletion due to verified billing and accounting discrepancies. Jefferson Capital is attempting to collect on a debt that was previously identified as inaccurate and scheduled for deletion, which is another violation of the FCRA. 3. Harassment & Excessive Contact ( 15 U.S.C. 1692d ) : Jefferson Capital has engaged in a pattern of excessive communication. Since XX/XX/XXXX, they have sent at least XXXX emails across XXXX different email addresses ( XXXX and XXXX ), often sending multiple emails within the SAME week ( e.g., XX/XX/XXXX, XXXX, and XXXX ). 4. Refusal to Provide Licensing Info : Both the representative and the supervisor refused to provide the companys debt collection license number, claiming they did not have access to their own regulatory credentials. THIS IS CONCERNING! 5. Deceptive Representations : The agent provided conflicting information on the XXXX account, stating he was " not sure '' if amounts were being added or subtracted from the balance, yet continued to demand the full {$230.00}. Be advised that if Jefferson Capital Systems attempts to sell or transfer these inaccurate and unverified accounts to ANY third party, I will pursue legal action for willful non-compliance and ensure your company is held strictly accountable for every individual violation under the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I opened a account with Ally Bank on XX/XX/XXXX around XXXX. I Intitated XXXX checks. XXXX for {$10000.00} XXXX for {$6600.00}. Days went by waiting on the holds, finally I XXXX the allowed {$600.00} to my sister ( Never was a security issue ). Now apparently when I went to do a wire tranfers, it posed a security issue. I told them VERY SPECIFICALLY if Gthe wire transfer was going to be a ISSUS o not put it through. Nonetheless they placed a account hold, citing tocmany logins etc, these all came from XXXX. XXXX shows location based onwhere it logs in from. I told them THEY ARE ALL FINE LOG INS, and I will reset a password as a bonus. They let me XXXXXXXX money but now after shccessful they want to hold the account. Holding is uncalled for, I tlld them the locations and reasons and they refuse My account is FIND THEY NOT GET IT. THEYA RE REMLVED FROMCXXXX TOOOO

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/26 XXXX XXXX - incorrect name XXXX XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX incorrect name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX incorrect address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Fees are crazy, and they have no explanation as to why I keep getting late fees I pay the minimum amt every XXXX weeks! And still get late fees!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief