vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
My parents, and brother have received calls from this company and sharing that i have a debt somewhere and I have not heard from them. They are pestering my family and that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
They are trying to collect on a debt that was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
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 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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
In XXXX a debt was placed on credit file with XXXX for the amount of XXXX, this debt was determined to be invalid and removed from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX later has placed this collection on my XXXX report and the debt is not valid.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check from my dad XXXX for {$1000.00} at 5/3rd bank. Check is from XXXX XXXX XXXX, in USD currency. I have deposited the exact same check multiple times over the years and never had an issue. XX/XX/2026 I noticed {$290.00} was taken out, with XXXX warning or explanation. When I went to file a fraud case I was told it was an internal transaction and it was non disputable. Upon speaking with a bank associate, he sent an email to 5/3rd global department to ask what the transaction was even about- they wrote back saying it was the exchange rate ( even though the check says " XXXX XXXX XXXX '' and " XXXX XXXX ''. When we went back and said it's in US funds and I have deposited checks like this before, they wrote back saying it was a mistake - however they are getting a notice from the " XXXX XXXX XXXX '' saying they can not track down the check and they were going to take the rest of the money out of my account. I said " It's not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have the wrong bank. '' I have yet to hear anything back and am immensely frustrated why I was given no warning as to why this was happening. Ontop to that I've never had this issue with the EXACT same check in the past. While they have NOT taken the rest of the money, I haven't heard anything back in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
In approximately XX/XX/2021, I was listed as a tenant on an apartment lease together with my sister and her former boyfriend. All XX/XX/XXXXof our names were on the lease. I moved out of the apartment before the other tenants, but my name remained on the lease until the lease ended. After the lease ended and the remaining tenants moved out, the apartment complex charged over {$1000.00} in alleged damages and did not return my {$800.00} security deposit. Many of the charges appear to be for normal wear and tear rather than actual damages. I was not provided with sufficient documentation such as an itemized statement with proof of damages, repair receipts, or photos. Later, the apartment complex sent the alleged remaining balance to a collection agency, Fair Collections & Outsourcing. I dispute the validity of this debt because the charges appear excessive and may include normal wear and tear, which tenants should not be responsible for. I am requesting full debt validation, including : A copy of the original lease agreement An itemized list of all charges Documentation or photos showing the damages claimed Move-in and move-out inspection reports Proof that the collection agency has the legal authority to collect this debt Until this documentation is provided, I dispute the debt and request that it not be reported or that it be removed from 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received an alert from my Capital One account and was told to call in confirm recent activity. A fraud representative would proceed to cancel my credit card after I verified that the recent transactions on the account were legitimate. I specifically asked whether cancellation was required and was told there was no alternative. When I called back, another representative confirmed that the cancellation was an agent error and documented this in my account notes, but stated the cancellation could not be reversed. Despite acknowledging that the card was canceled due to their own mistake, supervisors stated that Capital One could not offer any goodwill accommodation or remedy for the inconvenience caused by the confirmed error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Subject : Dispute regarding Chase Freedom Unlimited Promotional Welcome Offer Details : In XX/XX/XXXX, I applied for the Chase Freedom Unlimited credit card specifically through a widely advertised holiday promotion offering a {$300.00} cash-back bonus ( XXXX points ) after spending {$500.00} within the first three months. I have since met the {$500.00} spending requirement in full. However, Chase has only credited my account with {$200.00}, claiming that I " chose '' a lower, concurrent offer. I explicitly navigated to and applied for the {$300.00} offer, which was active at the time of my application ( expiring XX/XX/XXXX ). I escalated this issue to the Chase XXXX XXXX, but they denied my request to honor the {$300.00} promotion. It is misleading for a financial institution to run two identical advertisements with different reward tiers and then default a consumer to the lower tier without clear disclosure during the application process. Requested Resolution : I am requesting that Chase honor the original promotional terms from XX/XX/XXXX and credit my account the remaining {$100.00} ( XXXX Ultimate Rewards points ) balance that I am owed for meeting the spending threshold. On XX/XX/XXXX XXXX from Chase XXXX XXXX acknowledged my dispute and her phone is XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I needed to cancel my flights that I purchased using capital one venture X card. I called on XX/XX/XXXX and my departure was on XX/XX/XXXX. The level of tickets I originally purchased was first class and business class on XXXX XXXX ( departing XX/XX/XXXX ) and XXXX XXXX ( departing XX/XX/XXXX ). Given the class of tickets, I should have received a flight credit for all flights as noted on the ticket description when I booked. The cost of the XXXX ticket was over {$800.00} and the cost of the XXXX XXXX ticket was over {$1200.00}. Each ticket was one-way for two travelers. When I called capital one, the representative told me I was unable to receive a flight credit and the only way I could use my funds is if I changed the date of flight, not destination, and I had only XXXX hours to change the flight date from time of each departure. If I cancelled my flight without deciding on a new date in XXXX hours, I would lose my flight funds. This information is completely false. I called both XXXX and XXXX XXXX who both were able to give me flight credit to use to any destination within a year from original purchase. The capital one representative was completely wrong and refused to remedy the situation. Had I not called each airline on my own ( despite booking through capital ones portal ), I would have either lost over $ XXXX or had to immediately decide on another date of travel to the original destination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Validation of Debt Request- UNITED REVENUEXXXX XXXXXXXX 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding a fraudulent job and check scam that resulted in a financial loss from my personal account. On XX/XX/XXXX, I received a job offer from a company identifying itself as XXXX XXXX for aXX/XX/XXXX position. After accepting the offer, I was informed that I would need to purchase the equipment required for the job. As part of the onboarding process, I was sent a check and instructed to deposit it and use the funds to purchase the necessary work equipment. After I deposited the check, the funds were made available in my account by Wells Fargo. Because the funds appeared available, I believed the check had cleared and that the funds were legitimate. Based on the instructions I received from the individuals involved in the hiring process, I was then directed to send payment for the equipment using XXXX. Following those instructions, I sent the money through XXXX to the email address XXXX, under the name XXXX XXXX, which I was told was the contact responsible for processing the equipment purchase. Shortly after the transaction was completed, I was informed that the deposited check had been reversed and determined to be invalid. Because the funds had already been transferred through XXXX, the reversal caused the money to be withdrawn from my account, meaning the payment ultimately came from my personal savings. At the time of the transaction, I had no reason to believe the check was fraudulent. I relied on the fact that the funds were made available in my account and followed the instructions provided as part of what appeared to be a legitimate job onboarding process. After discovering the issue, I attempted to contact the company and reached out to an individual identified as XXXX XXXX, Vice President of Business Operations, to report the situation and request clarification. However, the matter has not been resolved, and I have been unable to recover the funds. I believe I was the victim of a fraudulent job and check scam. I respectfully request that this matter be investigated and that assistance be provided in attempting to recover the funds that were withdrawn from my personal account as a result of this fraudulent activity.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
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 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a complaint regarding funds being held by Capital One following the restriction and closure of my secured credit card account. I initially opened the account and deposited {$1000.00} as the required security deposit. After receiving the card and attempting to use it, my account was immediately restricted before I was able to make any transactions. When I contacted Capital One, I was told the restriction was related to information on my application, including a change in my reported income after I had applied for another credit product and updated my salary information. Because my income includes VA benefits, I provided my VA award letter to verify my identity, address, and income information. Despite providing this documentation, the restriction was not removed. I attempted multiple times to complete their verification process and resolve the issue, but the account remained restricted. Due to the ongoing problem, I ultimately chose to close the account approximately three to four weeks ago and was informed that my {$1000.00} security deposit would be returned to me. After waiting approximately three to four weeks following the account closure, I received an overnight letter via XXXX from Capital One regarding the same verification issue. This letter prompted me to contact Capital One again today to attempt to resolve the matter. During this call, I was again told that they would only accept bank statements as verification in order to release my funds. However, when I submit my official bank statements, they are rejected without a clear explanation of what is wrong with them. Capital One has also refused to accept other documents verifying my identity and address, including my VA award letter. I have repeatedly attempted to resolve this issue and requested that my verification be reviewed manually or that an alternative verification method be provided, but those requests have not been accommodated. As a result, my {$1000.00} security deposit continues to be held by Capital One with no clear path to resolve the situation, despite my repeated efforts to comply with their requirements and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
Subject : Deceptive Trade Practices and Unauthorized Withholding of Merchant Funds I am filing this complaint against XXXX XXXX XXXX XXXX ( hereafter referred to as " the Agent '' ) regarding my merchant account ( MID : XXXX ). The Agent has engaged in predatory and deceptive practices, including the unauthorized withholding of my business funds and attempted extortion. 1. Unauthorized Withholding of Funds : Since XX/XX/year>, the Agent has frozen all my daily credit card settlements without prior notice or valid justification. As an auto repair business owner, this freeze has caused severe financial hardship, preventing me from purchasing necessary parts and meeting payroll obligations. 2. Deceptive and Coercive Demands : The Agent claimed that my account was restricted by the processor, First Data ( Fiserv ), due to an alleged " XXXX XXXXXXXX XXXX XXXX '' issue. They demanded that I pay a {$1000.00} fee to a third party named XXXX and submit new bank ACH forms as a condition to release my funds. 3. Verification of Fraudulent Misrepresentation : On XX/XX/year>, I contacted First Data ( Fiserv ) Corporate Risk Management directly. First Data officially confirmed that : They have NOT frozen my funds or restricted my account. They have NOT authorized or requested any {$1000.00} fee or " fraud '' related charge. They do NOT require any additional bank forms for the release of my settlements. 4. Conclusion : It is evident that the Agent is intentionally misrepresenting the processors requirements to extort a manual payment of {$1000.00} They are using their position as an intermediary to illegally hold my business revenue as ransom. I request that the CFPB investigate XXXX XXXX XXXX XXXX for these deceptive trade practices and facilitate the immediate release of my withheld funds. I am prepared to provide phone logs and email correspondence as evidence of these fraudulent claims.

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