vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please provide proper validation of this alleged debt, including : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemization of fees and interest 3. Documentation showing I am legally obligated to pay this debt 4. Proof that your company is authorized to collect on this account 5. The date of alleged default and payment history 6. Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease telephone calls, text messages, and electronic communications to me regarding this matter. Please communicate with me in writing only. If this account is being reported to any consume r reporting agency, I request that you investigate the accuracy of the information being furnished. Reporting inaccurate or unverified information may constitute violations of the FCRA, including 15 U.S.C. 1681s-2. Furthermore, under Regulation F, 12 CFR 1006.34, consumers are entitled to validation information regarding alleged debts. If your company can not provide sufficient validation, I request that all collection activity cease until proper verification is provided. This letter is not an acknowledgment of liability, nor is it a refusal to pay. I am exercising my rights under federal law to request validation and dispute this account. Please provide all requested documentation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an account opened in la when I have never been to XXXX This is obviously someone using my identity to take out a credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: NJ

Complaint narrative:
I dispute the collection accounts being reported by Conrad Credit Corporation. My credit report currently reflects two separate collection accounts in the approximate amounts of {$3500.00} and {$1200.00}. I have not been provided sufficient documentation explaining why two separate balances are being reported, how the amounts were calculated, or whether duplicate reporting has occurred. I am requesting that Conrad Credit Corporation provide complete validation of the alleged debt, including a detailed accounting of all charges, fees, assessments, and supporting documentation.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WV

Complaint narrative:
A debt buyer is reporting a collection account on my XXXX credit report that originated from a XXXX XXXX account. I disputed this account, and following a reinvestigation completed in XX/XX/year>, it was returned as verified without any supporting documentation provided to me. I dispute the accuracy and completeness of this account. Specifically, I dispute the balance, the collection status, and the date of first delinquency. As a debt buyer, the date opened being reported does not reflect the original date of first delinquency on the underlying XXXX account, which by law determines how long this item may remain on my credit report. I am concerned this account is being inaccurately aged, which damages my credit. I am requesting that this company validate the debt, provide proof of ownership and the chain of assignment from the original creditor, and verify the date of first delinquency. If these can not be verified with competent evidence, I request the account be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They did not close my accounts. I want all of them closed. Not even one. I want all of them closed and I want no business to do with them.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I made a housing payment of {$3000.00} through the Bilt platform. I elected to earn Bilt XXXX but did not earn points on this payment. I contacted Bilt customer support to understand why. The first support representative told me that I was required to 'elect to automatically redeem ' Bilt XXXX, which is not stated anywhere in the Bilt XXXX Program Terms of Use. Subsequent representatives corrected this and explained that I needed to enable a toggle during the payment flow to use Bilt XXXX to unlock housing points. When I asked whether I could choose a specific redemption amount, support confirmed that the system automatically redeems the full available Bilt XXXX balance up to 1x points, and that members have no ability to manually select or adjust the redemption amount. This automatic redemption mechanic is not disclosed in the Bilt XXXX Program Terms of Use. Section 1.7 of those terms explicitly states that members may 'access, view, and manage ' their Bilt XXXX, which implies control over redemption amounts. In practice, no such control exists. I have {$300.00} in Bilt XXXX and did not want to redeem the full system-determined amount, but have no option to limit it. I believe the program terms materially misrepresent the level of control members have over their Bilt XXXX, and that the automatic redemption mechanic constitutes an undisclosed material term.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler Felt & Warshaw is acting as collector/servicer on behalf of XXXX XXXX XXXX for account reference XXXX, original creditor XXXX XXXX XXXX XXXX XXXX account ending XXXX, balance {$1400.00}. I learned of their involvement through a XX/XX/XXXX letter from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a formal Debt Validation Request and Cease & Desist to XXXX XXXX XXXX via USPS Certified Mail. As of today, more than 30 days later, no compliant validation has been provided for this account. No original signed credit agreement, no chain of title, no bill of sale has ever been provided. Pressler Felt & Warshaw obtained a default judgment against me on XX/XX/XXXX in XXXX XXXX Special Civil Part, Case XXXX, on behalf of XXXX XXXX XXXX XXXX I was never properly served with the underlying lawsuit. I had no knowledge of the case until after judgment was entered. The judgment total is {$1300.00}. Their continued involvement as active collector on this unvalidated debt while a CFPB complaint is active under case # XXXX constitutes continued collection activity in violation of 15 U.S.C. 1692g ( b ). XXXX own XX/XX/XXXX letter admits these debts are time-barred from legal action yet collection activity continues. I am requesting immediate deletion of this account from all consumer reporting agencies and cessation of all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Comenity Bank/Wayfair XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please provide proper validation of this alleged debt, including : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including an itemization of fees and interest XXXX. Documentation showing I am legally obligated to pay this debt XXXX. Proof that your company is authorized to collect on this account XXXX. The date of alleged default and payment history XXXX. Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease telephone calls, text messages, and electronic communications to me regarding this matter. Please communicate with me in writing only. If this account is being reported to any consumer reporting agency, I request that you investigate the accuracy of the information being furnished. Reporting inaccurate or unverified information may constitute violations of the FCRA, including 15 U.S.C. 1681s-2. Furthermore, under Regulation F, 12 CFR 1006.34, consumers are entitled to validation information regarding alleged debts. If your company can not provide sufficient validation, I request that all collection activity cease until proper verification is provided. This letter is not an acknowledgment of liability, nor is it a refusal to pay. I am exercising my rights under federal law to request validation and dispute this account. Please provide all requested documentation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have made multiple purchases through Capital One Offers over the past six months with the main reason for purchases through the websites to earn miles back on my XXXX XXXX card. About half of the times that I have made the purchases through capitaloneoffers.com, I have not received the payout. I have to reach out, and each time I receive the " you did not meet the requirements '' email. I ask what I did not meet ( fully reviewing the exclusions and knowing I met all requirements ) to both customer support on the phone and XXXX for the email. I never hear back from email, I never get an answer on the phone, and XXXX responses just blame me for not meeting the criteria when I know I have and ask for what I didn't meet and they won't respond. This seems like a scam that is going on from a major company and I just want to know how to receive my miles paid out without being nervous purchasing through their website that I am going to either be out of my miles or have to go down customer service route for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX My complaint involves sofi Bank XXXX XXXX XXXX From XX/XX/XXXX - XX/XX/XXXX. I asked for a record of debits from my checking account for this time frame I received a PDF from a person named XXXX. XXXX ( SOFI BANK REPRESENTATIVE ) The reason for this is back in XXXX and XXXX I had noticed my savings account decrease without any transactions or transfers. I spoke to a representative and there is no record of any transaction to cause those decreased amounts. Also in XXXX I had approximately {$23000.00} in my account at that time and one morning the whole amount was gone I called sofi bank and they told me they removed the money from suspicious activity. My balance was returned 48 hours later. I asked what was suspicious. They claim there was an e-bike purchase that caused the removal of funds because my savings account had covered the overdraft which made it suspicious. I counted up all of the debits & money transfers with XXXX XXXX, XXXX, Atm. I successful wired {$4000.00} to a XXXXXXXX XXXX XXXX .There was a wire attempt for {$10000.00} and two other wires one for {$9000.00} & one for {$9100.00} with XXXX XXXX XXXX XXXX XXXX XXXX It shows on record that they were reversed and I am not counting this as debit My record of deposit from XX/XX/XXXX - XX/XX/XXXX totals {$32000.00}, after adding up all of the transactions that were posted online from the statement of debits that were sent to me. I have an additional {$5700.00} in transactions that surpassed my total record of deposit from that time frame .I also had a current balance XX/XX/XXXX Approximately {$8000.00} left .I asked for a review with the fraud department & I spoke to the. The " Office of the CEO ( XXXX XXXX ) with XXXX XXXX and they continue to tell me that everything is normal. I brought up that early in XXXX and XXXX I noticed thousands of dollars missing and no one had any transaction record. I see with that type of statement will prohibit me from choosing unauthorized transactions there would be an actual debit on file during a positive balance and they are claiming that there is no unauthorized transactions with their Cgi placing these many transactions. These transactions are fabricated to cover up either internal money laundering or fraud or they witnessed an individual stealing from my account and did not inform me properly. The * are individuals I spoke to who didn't help my situation. SoFi Technologies , Inc. ( Corporate Headquarters ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX SoFi Bank, N.A. ( Main Operations ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX * XXXX XXXX. ( Resolution Specialist ) SoFi Bank, N.A. XXXX : XXXX * XXXX XXXX ( statements ) SoFi Bank, N.A. XXXX * XXXX XXXX ( office of the CEO ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Chief Risk Officer XXXX XXXX, General Counsel ( XXXX ) XXXX ( corporate )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Santander XXXX USA for violating my consumer rights by furnishing inaccurate, misleading, and non-compliant information to XXXX. I recently obtained a truck through Santander, and this is an active, current auto loan. However, Santander has this account reporting to XXXX as a negative, derogatory item. This is a blatant reporting error that severely misrepresents my creditworthiness by making a brand-new vehicle loan look like a defaulted collection account. Under federal law, if a creditor reports account history, they are legally obligated to ensure that history is 100 % accurate. I am invoking my rights under the following state and federal consumer protection statutes : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : This statute strictly prohibits information providers from furnishing data that they know, or consciously avoid knowing, is inaccurate. Misclassifying an active auto loan as a derogatory item is a clear violation of this duty. Texas Finance Code 392.304 : This state law explicitly prohibits a creditor from misrepresenting the character, extent, or legal status of a consumer debt. Labeling a current, active auto loan as a negative derogatory account directly violates this Texas code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I'm requesting the XXXX XXXX for the debit. Per the collection status debit was charged off. When the debit is charged off the collector received a tax break on the debit. Im requesting the copy of the XXXX XXXX. I am allowing thirty days for resolution if not I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a collection letter from Midland Credit Management in XX/XX/XXXX regarding an alleged XXXX XXXX account, MCM Account # XXXX, balance {$2000.00}. I sent a written debt validation request on XX/XX/XXXX via certified mail. Midland received and signed for it on XXXX. I have the signed return receipt. Midland never responded and never provided validation. But, they reported this account to the credit bureaus in XXXX and XX/XX/XXXX ; 4 months after receiving my dispute. Midland also sent a pre-legal threat letter on XX/XX/XXXX XXXX demanding payment by XXXX 15 days after they received my validation request - threatening to have an attorney and file suit in Georgia while my dispute sat unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The lender, Westlake Financial, repossessed my vehicle in the fall of last year. Upon taking physical custody of the vehicle, the lender failed to immediately file the mandatory XXXX XXXX XXXX XXXX Form XXXX ( Notice of Repossession ) or timely surrender the license plates back to the state. Due to this administrative delay, the XXXX processed the plate surrender as XX/XX/XXXX, which triggered an erroneous 359-day insurance lapse penalty dating back to XX/XX/XXXX. This has resulted in an active, unjust 359-day suspension order against my driving privileges. The company has failed to provide a repossession receipt or notify the state of the correct possession date. I am demanding that the lender immediately issue an official statement verifying the exact calendar date of the physical repossession from last fall and transmit this data to the XXXX DMV Financial Security Bureau to terminate this wrongful suspension

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A Citibank credit card account was opened in my name without my knowledge or authorization. I did not apply for, open, use, or benefit from this account. I discovered the account approximately eight months after it was opened when I noticed changes to my credit report and credit score. Until then, I was unaware of its existence because the individual responsible for the fraud was making payments on the account. After discovering the account, I immediately took steps to address the identity theft. I filed an IdentityTheft.gov report, placed fraud alerts on my credit reports, filed a police report with my local sheriff 's office, and disputed the account with the credit bureaus. XXXX investigated the matter and removed the Citibank account from my credit report. On XX/XX/year>, I sent Citibank a certified letter disputing the account and providing supporting documentation, including proof of identity, my IdentityTheft.gov report, police report information and case number, proof of address, and documentation showing that XXXX had removed the account after its investigation. Despite receiving this information, Citibank has not provided a written response to my dispute. I have also contacted Citibank 's fraud department multiple times. Representatives informed me that the account is closed but stated they could not assist further regarding the account or the remaining balance. At the same time, Citibank has continued to verify the account as legitimate when responding to credit bureau disputes. XXXX denied my dispute after Citibank verified the account as valid, despite the identity theft documentation I submitted. The addresses associated with the account do not match my address, and I have repeatedly informed Citibank that the account is not mine. I believe Citibank has failed to conduct a reasonable investigation of my identity theft claim and continues to inaccurately associate this fraudulent account with me.

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 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by Radius Global Solutions on my XXXX credit report. The original creditor is XXXX XXXX XXXX. I requested that the debt be verified and that accurate documentation be provided to support the collection account being reported. I am concerned that the information being reported may be inaccurate, incomplete, or unverifiable. To date, I have not received sufficient documentation proving that I am legally responsible for the debt, the amount being reported is accurate, or that Radius Global Solutions has the authority to collect and report this account. If the debt can not be properly verified and the information being reported can not be substantiated, I request that the collection account be removed from my XXXX credit report. I also request that all information furnished to the credit bureaus be investigated for accuracy and compliance with the Fair Credit Reporting Act.

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