vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, And i am filing a formal complaint regarding four collection accounts being reported on my consumer credit file without proper legal compliance. The collection agency has furnished these accounts without providing the required disclosures and validation, violating my rights under federal law. The accounts in question are : 1. Jefferson Capital Systems Account No. XXXX XXXX 2. XXXX XXXX XXXX Account No. XXXX XXXX 3. XXXX XXXX XXXX Account No. XXXX XXXX. 4. XXXX XXXX XXXX Account No. XXXX. The agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet continues to report these accounts. This conduct is in clear violation of 12 CFR 1006.34 ( d ), 15 U.S.C. 1681i ( a ) ( 5 ), 15 U.S.C. 1681g, and 15 U.S.C. 1692c. Without proper validation and required disclosures, the agency has no authority to furnish this information to any consumer reporting agency. I request immediate investigation and removal of these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have canceled several charges or subscriptions on my acct and ordered anew bank card. The company continues to pay these fees after I asked them to stop and block vendors. They refused to refund money and I asked to have account closed and the rep on XX/XX/XXXX and XX/XX/XXXX disconnected the calls on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
My Elan XXXX XXXX XXXX was hit with dozens of fraudulent charges during a period when it was in my possession. My card was not lost or misplaced ; it was never out of my possession. I called Elan on XX/XX/XXXX as soon as I discovered the fraudulent charges. The Elan phone rep put these charges in dispute, beginning what she described as an internal investigation. But on XX/XX/XXXX, Elan reversed the provisional credits on the fraudulent charges, claiming ( erroneously ) that my card was present for all the fraudulent transactions. Plainly, it is not possible that the card was present for any of these fraudulent charges, as it was always in my possession. In fact, during the entire period in question, I used the card as normal to complete hundreds of legitimate transactions which appear on my Elan statement. I summarized the charges in question in an itemized spreadsheet. These charges are in two categories : fraudulent charges, and unrecognized charges. 33 fraudulent charges totaling {$6400.00} 15 unrecognized charges totaling {$670.00}. These are unrecognized because Elans transaction description for them is insufficient : it says only XXXX. I did not dispute legitimate subscription charges to XXXX ( $ XXXX, $ XXXX ). However, the irregular charges labeled XXXX began appearing on my XXXX statements in XXXX and not frequently before that -- thus highlighting they are likely fraudulent. For each of the disputed charges, I asked XXXX to provide substantive proof that the card was present, such as video security footage, chip/EMV data , an audit of the ATC ( application transaction counter ), as well as merchant evidence such photo identification verification supposedly collected by the merchants, and the POS terminal transaction log. They have provided none of this, which is not a surprise, because the card could not be present for this fraud while it was in my possession.

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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WY

Complaint narrative:
b'Reference: XXXX XXXX XXXX (PIN: XXXX)\n\nWho is filing the debt charge of $XXXX. I need information before I hand out money for this total.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods. I am requesting full validation of these accounts, including signed agreements, complete payment histories, and documentation establishing the chain of assignment from the original creditor. If this information can not be properly verified, these accounts must be deleted from my credit file. Failure to comply with these federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. I expect a timely response in accordance with federal law.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
Bilt Card Fraud Experience Horrible is an understatement I wanted to share my experience with Bilt card fraud handling to warn everyone of what may happen after a fraud incident. Details : My card was not lost or stolen. It never left my possession except briefly at restaurants while traveling, which is unavoidable as part of the normal payment process. Despite this, someone obtained my card information, added it to their XXXX XXXX in another state, and gained full access to my Bilt account. I had two-factor authentication set up and did not ignore any security warnings. This was not the result of any negligence on my part. They were apparently able to fully access my account, and, in addition to fraudulent charges, over XXXX points were fraudulently redeemed for gift cards. Initial Bilt Response : When I reported the fraud on XX/XX/year>, Bilt 's immediate response was reasonable. They reviewed the fraudulent activity with me, confirmed it was unauthorized, said my points would be restored, said a new card would be issued, suspended my active sessions, and asked me to verify my identity. This is exactly what you'd expect and hope for, and this happened a week ago. What has happened since a total disaster : It has now been close to a full week, and here is where things stand : My account has been suspended and reinstated multiple times. Each time, I was required to re-verify my identity from scratch with the same documentation request, multiple times, with no explanation of why prior submissions were insufficient. No replacement card has been issued. I have not received a replacement card or even a timeline for when one will be issued My fraudulently redeemed points have not been restored, and no update has been provided This morning, Bilt suspended all access to my account entirely meaning I can not see account activity, can not pay my rent, and can not manage any recurring bills tied to this card I have received no explanation for the total lockout, no timeline for resolution, and no escalation path offered The practical impact : I have already been forced to move all recurring billing to other accounts, losing rewards I would have earned. I can not access my account to manage payments. I have a high-annual-fee card that I currently can not use in any capacity, no card, no account access, no points. The core issue : Bilt identified and confirmed the fraud immediately. They knew it was unauthorized. The geographic impossibility alone, having the card in my possession in one state, while it is being used in another, makes this straightforward. I immediately responded to their requests, yet a full week later, nothing has been resolved, and my situation has actually gotten worse, not better.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I became aware of this account on my credit report. I do not recognize this account and have not been provided with sufficient information to verify its validity. I have made multiple attempts to obtain details about this alleged debt from both XXXX and Radius Global Solutions. However, XXXX has failed to provide even basic identifying information, including the full account number, account statements, or any signed agreement. Without this information, I am unable to determine whether this account is legitimate or if it belongs to me. Additionally, Radius Global Solutions continues to report and/or attempt to collect on this account without providing proper validation of the debt. They have not supplied documentation showing that I am legally obligated to pay, nor proof that they have the authority to collect on behalf of XXXX or that the debt was properly assigned to 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 explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions of Ohio, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and my date of birth is XX/XX/XXXX, with the last four digits of my Social Security Number being XXXX. I am writing to formally dispute an erroneous collection account reported by DEBT RECOVERY XXXX on my credit reports with XXXX, XXXX, and XXXX. The account in question ( XXXX XXXX XXXX XXXX XXXX ) reflects a balance of {$2500.00} and is inaccurately listed under my name as a collection account. On XX/XX/XXXX, I filed an initial dispute regarding incorrect details on my credit reports, but the issue remains unresolved. I have no knowledge of this debt, nor have I ever received any validation or documentation that demonstrates this debt belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit reports, and it is the responsibility of the data furnisher to ensure the accuracy of the information reported. The presence of this unverified and non-existent debt has severely impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous collection account is not only a violation of my rights under the FCRA but also a significant detriment to my financial health, potentially affecting my ability to secure credit or favorable loan terms. I am requesting the complete removal of this account from all three credit bureausXXXX, XXXX, and XXXX. Additionally, I demand a thorough investigation into how this erroneous information was reported and a prompt correction of my credit reports. This situation has caused undue stress, and I expect this matter to be resolved swiftly to prevent further harm to my creditworthiness.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 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: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I am requesting ( in writing ) all records, call recordings, and case info related to the the decision XXXX XXXX made on my case. I am not asking for a review of a previous case, this is not a duplicate. I am asking for all the records that pertain to their decision in order to pass them to my legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I became aware of this account on my credit report. I do not recognize this account and have not been provided with sufficient information to verify its validity. I have made multiple attempts to obtain details about this alleged debt from both Citibank and XXXX XXXX XXXX. However, Citibank has failed to provide even basic identifying information, including the full account number, account statements, or any signed agreement. Without this information, I am unable to determine whether this account is legitimate or if it belongs to me. Additionally, XXXX XXXX XXXX continues to report and/or attempt to collect on this account without providing proper validation of the debt. They have not supplied documentation showing that I am legally obligated to pay, nor proof that they have the authority to collect on behalf of Citibank or that the debt was properly assigned to 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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions on my XXXX XXXX account, which contains SSI ( Social Security ) benefits that I rely on for basic living expenses. In XXXX, I discovered {$720.00} in unauthorized transactions and promptly submitted the required dispute paperwork. Despite this, my case was closed twice without resolution, and I had to call and have it reopened each time. The transactions in questions took place in XXXX and XXXX of XXXX. The charges all come from apple and XXXX mainly I have provided detail transaction below in the documents. These documents were submitted to Direct express. I had been unable to access my account online, preventing me from reviewing activity. When I attempted to escalate the issue, I was placed on hold for over an hour on multiple occasions, and no supervisor ever responded. Additionally, during the investigation, my account was compromised a second time. I was not notified of this breach and only became aware of it because I was following up myself on my case. This is extremely concerning given that these are protected SSI funds that is the only money in this account. They do not fund the card. This situation has caused significant hardship, as these SSI benefits are my primary source of income. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: FL

Complaint narrative:
Stillman Law Office left an un-enveloped legal document in my private mailbox that clearly identifies me as a 'Defendant ' in a debt collection lawsuit. This is a violation of 15 U.S.C. 1692b and 1692f, as it exposes my private debt status to third parties. Furthermore, the document was placed in my mailbox without postage in violation of 18 U.S.C. 1725

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Complaint Against : Portfolio Recovery Associates I am filing this complaint regarding inaccurate and unverified information being reported on my credit report. The account listed under Portfolio Recovery Associates, Account Number XXXX, has been disputed. I requested validation of this alleged debt ; however, no proper documentation has been provided. Under the Fair Credit Reporting Act, including Sections 1681 1681 and 1681-2, information reported must be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act, I am entitled to proper validation of the alleged debt. To date, the company has failed to provide : A signed contract bearing my signature Proof of ownership or assignment of the debt Complete account-level documentation verifying the balance Despite this, the account continues to be reported, which I believe is a violation of federal law. I am requesting that this account be fully investigated and deleted from my credit report if it can not be properly verified. I request that the company provide documentation to support their claim or remove unverifiable information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD Complete Checking account based on a promotional offer for a {$300.00} bonus, as shown in the attached mailer. The offer required at least {$500.00} in qualifying direct deposits within 60 days of account opening. I have contacted TD Bank multiple times to confirm the promotion associated with my account, whether I have met the requirements, and whether any additional conditions apply ( such as maintaining a balance after qualification ). On XX/XX/year>, I spoke with multiple customer service representatives, including two agents and a supervisor, and still did not receive consistent or accurate information regarding my promotional offer or eligibility. Representatives have been unable to provide consistent or accurate information. I have been incorrectly told that my account has a {$200.00} promotion instead of the {$300.00} TD Complete Checking promotion I signed up for. In addition, representatives can not confirm whether I have met the requirements or clearly explain the terms of the promotion. I have also not been provided with clear information regarding whether I have satisfied the promotional requirements, what amount ( if any ) remains to qualify, what deadline applies to complete those requirements, or what specific requirements apply after qualification, including whether I must maintain a minimum balance or ongoing direct deposits to avoid account fees or to ensure the promotional bonus is not revoked. I have been told that I must visit a branch in person to obtain this information, which is unreasonable. This is basic account-level information that should be available to customer service and accessible without requiring an in-person visit or taking time off work. TD Banks inability to accurately identify and communicate the terms of a promotional offer tied to my account raises concerns about their internal systems and account servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I reviewed my credit report and account information and discovered that MOHELA is reporting multiple different loan amounts associated with what appears to be the same loan obligation. Specifically, there are approximately XXXX different balances being reported, which is confusing, misleading, and does not accurately reflect a single, verifiable loan balance. I have made several attempts to obtain clarification and documentation from MOHELA regarding these discrepancies. However, MOHELA has failed to provide a clear and consistent accounting of the loan, including the original loan amount, disbursement details, payment history, and how the various reported balances were calculated. Additionally, MOHELA has not adequately identified the origin of each reported loan amount, including the original creditor, dates of disbursement, or any documentation supporting the legitimacy and accuracy of these reported balances. Without this information, I am unable to verify the accuracy of the debt being reported.

Company response to consumer: Untimely response