vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XXXX XXXX I called the credit card company to report my card had fraudulent charges on them in the amount of {$800.00} from a XXXX XXXX in XXXX Florida. They said it would take 60 days for an investigation in the meantime they told me they dont issue provisional credits. Ive then called back twice the last time today spoke to a supervisor by the name of XXXX she said the original person filed the fraud report wrong hence they filed it again today. Wait another 60 days would not let me speak with anybody above her. All Ive got is the run around meanwhile the fraud charges remain I am paying interest and over charge fees on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: KY

Complaint narrative:
I applied for a XXXX Signature Everyday Rewards+ Card ' with the XXXX XXXX XXXX XXXX XXXX The card advertised " {$150.00} bonus awarded when you spend {$500.00} within the first 90 days '. The only way to get the {$150.00} after it has been earned is to select the cash option and link a checking or savings account for the {$150.00} to be deposited to. I attempted to complete this process by entering my routing and account number of my bank. I was unable to complete the process as there was an error on the routing number that I entered. The error message reads as 'Redemptions can only be made towards routing numbers of the accounts XXXX '. I did not understand the error so I called customer service and inquired. I was told that the error was due to the checking account that I entered not being with XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX Rep stated that this is the reason for the error. It is a requirement to have a checking or savings with XXXX XXXX XXXX XXXX to receive the full {$150.00}. This is not specified clearly anywhere in their disclosures. I feel duped, had I known that this was the case I may have selected a different credit card.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, my grandmother paid USAA Federal Savings Bank for my auto loan ( {$460.00} ) and my credit card ( {$310.00} ). However, USAA applied both amounts to the credit card. I spoke with USAA about this discrepancy, and was informed the issue was resolved on XX/XX/year>. USAA said that they removed the incorrect amount from the credit card and applied it to the auto loan. This was only partially true, as I discovered the amount applied for the auto loan was paid from my credit card. An account which has been closed for nearly a year. On my most recent credit card statement, the auto loan amount is shown as a new purchase, and I've been billed twice for the interest on that purchase in since the issue first started in the amount of ( {$320.00} XX/XX/XXXX, {$310.00} XX/XX/XXXX, and {$1.00} XX/XX/XXXX ). I've also been charged multiple late fees for this issue. I've spoken to USAA about the discrepancies and was told I was wrong, and that they never charged me the amount that they are charging me. Online there is a line item that shows the {$460.00} as an adjustment - payment ( charge ).

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 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a medical collection account reported by Medical Data Systems XXXX Inc. in the amount of {$1200.00}. After noticing a significant drop in my credit score, I discovered this collection account on my credit report. The account is associated with services provided at XXXX XXXX XXXX XXXX ( now known as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I contacted my health insurance provider, XXXX XXXX, to verify the claim. XXXX XXXX confirmed that the claim was paid in full on XX/XX/year>, in the amount of {$1200.00}. XXXX XXXX also provided confirmation of payment, including check number XXXX, which was cleared. Despite this, the account was placed for collection and reported as a delinquent balance on my credit report. I never received a bill, notice of an outstanding balance, or any debt validation notice before the account was sent to collections or reported. Had I been notified of any issue, I would have addressed it immediately. Because the claim was already paid in full by my insurance company, I believe this collection account is inaccurate and should be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: VA

Complaint narrative:
Letter of indebt from DNF Associates and a sub the sold debt to. I have called, emailed, sent XXXX messages, not able to leave VM, left multiple email attempts via company website with XXXX response. No email, calls, or mail notifications of debt sent. I have tried to rectify for the past 6 months with no recourse or contact. Every time I dispute to 3 credit bureaus it comes back as accurate.... Noone ever calls, email, text, mails back any info. This has caused severe XXXX and XXXX XXXX XXXX XXXXhis account needs to be Removed and XXXX out. DNF who owns my account cant even answer the phone either. This is credit score harrasment and unlawful.

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 2026-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERIS BANCORP
State: NC

Complaint narrative:
On XX/XX/year>, I called into Ameris Bank, and spoke with their online support team about closing my account. I wish to close my checking accounts, my 35 Month CD, and my XXXX line of credit secured against my CD. Subsequently, I wanted a check for my balance mailed to the address on file. They could not do this, and said I would I have to speak to my local branch. My branch said I had to come in person to close my accounts. My 2 closest branches are both a 4 hour drive away from my address. I have had numerous XXXX XXXX throughout my life, and sitting for long periods is very uncomfortable. I would not want to drive for 8 hours simply to close my accounts. I was able to open my accounts online but I am unable to close them in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
VANCE HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. It is affecting me very much a solution need happen

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX ) regarding the inaccurate reporting of a credit account and the companys failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). I disputed the reporting of a XXXX XXXX credit card account because I believe the information being furnished to the consumer reporting agencies is inaccurate, misleading, incomplete, and potentially duplicative after the account was sold to Jefferson Capital Systems , LLC. In response to my complaint, XXXX XXXX sent a letter dated XX/XX/year>. In that letter, XXXX XXXX acknowledged that the account was sold and transferred to Jefferson Capital Systems , LLC. However, XXXX XXXX failed to provide any documentation supporting the accuracy of the information being reported. Specifically, XXXX XXXX failed to provide : Copies of records used during its investigation. A complete payment history. Documentation establishing the date of first delinquency. Documentation supporting the balance, status, and payment history being reported. Evidence that the information reported to the credit bureaus is accurate and complete. Documentation showing how the account was verified after being sold to another entity. Instead, XXXX XXXX simply stated that it reviewed the account and found no evidence of inaccurate reporting. This response does not demonstrate that a reasonable investigation was conducted as required under 15 U.S.C. 1681s-2 ( b ). Furthermore, XXXX XXXX confirmed that the account was sold to Jefferson Capital Systems , LLC. Because ownership of the debt was transferred, I am concerned that the continued reporting of this account may be inaccurate, misleading, duplicative, or otherwise noncompliant with the FCRAs requirement for maximum possible accuracy. I requested validation and documentation supporting the information being reported, but XXXX XXXX failed to provide any evidence. The company merely issued conclusions without substantiating those conclusions with records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX 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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I formally disputed an unverified collection account ( {$530.00} ) directly with Sentry Recovery & Collections via an email tracking service. My email tracking system confirms that Sentry Recovery & Collections opened and read my formal dispute email on XX/XX/year>, at XXXX XXXX Instead of pausing collection efforts to conduct a reasonable verification investigation as federally mandated by the Fair Debt Collection Practices Act ( FDCPA ), Sentry Recovery & Collections immediately retaliated. On XX/XX/year>, the collector reported a " Collection Balance Increase '' to XXXX, intentionally altering the debt amount and crashing my credit score in the middle of an active dispute window. They did this without updating the account to reflect the mandatory " Account Disputed by Consumer '' status. This is a severe, explicit violation of the FDCPA guidelines regarding misrepresenting the character and amount of a debt, as well as a failure to maintain reporting accuracy under the FCRA. This complaint is directly connected to my open XXXX CFPB Case # XXXX

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is lying. They did not close my account in XXXX, Look at my previous complaint. they closed it in XXXX. After they closed my checking account and credit cards. They sent me a statement saying I owed money on credit card. i contacted Chase. They said I had to start all over again with a new complaint and they would research. They have since this happened now charged me interest for XXXX months on the credit card not being paid. Please get this. They send me statements ( I got one today ) that says log into your account to pay this. i can not log in. They stopped me logging in in XXXX. I can not call them because they need XXXX FA. I cancelled my XXXX phone number. I then got a new XXXX phone number and Chase refused to let me use the new number to log in. I live in XXXX. They have blocked me from logging and or doing anything by phone since XXXX. Meanwhile they collect interest on my credit cards. I want my interest on the cc charges back form XXXX. XXXX at Chase Executive told me the Credit cards were cleared and closed. When I reached out to her she never answered. Their research has cost me money. Please do not let Chase treat customers this way. They only closed they accounts after 5 months because I came to you. XXXX to XXXX. I am not satisfied with how you or they have handled the cc charges, I just call Chase to pay the bill they sent me today for ( {$120.00} ) by phone. It is what they sent me today They informed me that they could not accept payment for that amount because the current balance is lower than the statement balance. However, they would not disclose the current balance to me. It was rather bizarre. You tell me what to do here!!! I am attaching the statement due that I got today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This dispute concerns Credit Card Account NOXXXXXXXX XXXX XXXX XXXX XXXX. The account is currently being reported as a closed revolving credit card account. I identified inaccurate and inconsistent late payments reporting associated with this account. Specially, I dispute the following late payment entries reported to the consumer reporting agencies. These derogatory entries have been reported inconsistently across XXXX XXXX, and Equifax , raising serious concerns regarding their accuracy and reliability. The disputed dates include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX reports a 30-day late payment in XX/XX/XXXX, a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, a 90-day late payment in XX/XX/XXXX, and 120-day late payment in XX/XX/XXXX. XXXX reports a 30-day late payment in XX/XX/XXXX, a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, a 90-day late payment in XX/XX/XXXX, a 120-day late payment in XX/XX/XXXX, and a 150-day late payment in XX/XX/XXXX. Equifax reports a 30-day late payment in XX/XX/XXXX, a 30-day late payment in XX/XX/XXXX, a 60-day late payment XX/XX/XXXX, a 90-day late payment in XX/XX/XXXX, and 120-day late payment in XX/XX/XXXX. The creditor has reported late payments to the credit bureaus ; however, I dispute the accuracy and completeness of this reporting because I have not received sufficient documentation demonstrating compliance with the required billing and notifications procedures under federal law. I request a complete investigation into the reported late payments, including verification of : The exact dates the payments were allegedly due copies of periodic billing statements Proof that proper notices were mailed to the correct address The method used to verify late payment reporting Documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This was with a Bank of America credit card. Around XX/XX/XXXX, my gaming account was hacked, and I had to contact support because my account email was also changed. That day, I looked at my credit card account and someone purchased tickets to XXXX XXXXXXXX XXXX XXXXXXXX for {$340.00}! So I scanned my PC and it turns out it had a XXXX XXXX. I took a photo with my phone, XXXX! XXXX and XXXX! XXXX, so I had to completely restore my PC and change my passwords. Filed a Fraud claim and got denied because supposedly it was done with a verified device. I disputed the claim, explaining that my gaming account was hacked, that it had my card saved on it, and I was still denied for the same reason. Bank of America has done nothing to help me with this fraud and just denied my claim and according to them " Please continue to make the required payments on your account. '' That is it! They have gone radio silent, they have not contacted me to help me or for clarification, and left me to pay for someone's fraud. What a crime!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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