vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I am filing this complaint against United Collection Bureau , Inc. due to its continued pattern of harassment through excessive and unlawful phone calls regarding an alleged debt that I have already disputed and requested validation for. Despite being clearly notified multiple times that I dispute this alleged debt and that I am requesting validation, United Collection Bureau , Inc. has continued to call me numerous times throughout the day, including calls placed outside of legally permissible hours, causing repeated disruption and distress. I have explicitly requested that these calls stop, yet the company has ignored my requests and continued its conduct, demonstrating a willful disregard for my rights under federal law. In addition to directly notifying United Collection Bureau , Inc., I have also notified the credit bureaus that this debt is disputed, and rather than pausing collection activity as required, United Collection Bureau , Inc. has escalated its phone contact in an apparent attempt to pressure and coerce payment without first validating the debt. This conduct constitutes harassment and abuse, especially given that United Collection Bureau , Inc. has not provided any validation, proof of ownership, or authority to collect the alleged debt, and continues to engage in collection activity despite knowing the account is formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/XXXX my whole wallet was lost, i didn't realize it was stolen because there wasnt any notification sent to me neither fraud alert, until I realize that my credit card was maxed out on XX/XX/XXXX, I immediately call the bank to froze the card and open a case investigation. I contact them multiple time provide two police case report, one from utah XXXX XXXX XXXX th XXXX, another from XXXX XXXX XXXX XXXX, and a FBI report on XX/XX/XXXX, an identity-theft report on XXXX XXXX, the customer representative called utah XXXX XXXX police department XXXX XXXX voicemail, thats all the investigation they did. during XXXX XXXX XXXX XXXX, I called the discover investigation team, they said all the police case and report dont matter, you can even report to president we wont change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I dispute the accuracy of Account # XXXX. 
Provide the following under FCRA & FDCPA provisions : Proof of legal repossession procedure Auction/deficiency balance accounting Contract with signature Unverified or incomplete reporting must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing this complaint regarding XXXX handling of a fraudulent transaction and its refusal to provide a meaningful dispute or fraud investigation. 

On XX/XX/year>, I sent a payment of {$1500.00} through XXXX  to an individual later determined to be a scammer ( XXXX XXXX ). Once I became aware that the transaction was fraudulent, I acted promptly by contacting my bank to stop payment in order to mitigate further loss. 

XXXX  has frozen my account and is demanding repayment of {$1400.00}, stating that the funds were successfully sent to the recipient but could not be recovered from my bank. XXXX  has placed the entire financial burden of this scam on me, despite my timely action and despite the transaction being the result of criminal fraud. 

More concerning, XXXX  has not confirmed that it conducted any investigation into the recipient account involved in the scam. All communication has focused solely on recovering funds from me, the victim, rather than addressing fraud, risk controls, or misuse of their platform. 

When I requested escalation, clarification of applicable policies, and confirmation of any investigation into the scammers account, XXXX  declined to provide substantive responses and instead instructed me to have an attorney contact their legal department by mail. 

XXXX  has effectively refused to offer a reasonable dispute resolution process, investigate fraud on its platform, or provide policy-based justification for holding me financially responsible under these circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: OH

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CO

Complaint narrative:
My mortgage loan was sold in the middle of a modification trial. After being denied I did not receive anything stating the new foreclosure sale date. Also was informed of the for sale date being pushed forward a month early as well original date was XX/XX/XXXX and was pushed to XX/XX/XXXX. I received the denial document on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Target Corporation for violating my rights under the Fair Credit Reporting Act ( FCRA ) in connection with a fraudulent credit card transaction and subsequent reporting to credit bureaus. 
Details of the Issue : Company Name : Target Corporation Account Type : Target Credit Card ( XXXX ) Nature of Violation : Target failed to properly investigate and resolve a fraud dispute I submitted in XX/XX/XXXX, allowed the account to go to collections during an active investigation, and reported inaccurate information to credit bureaus without notifying me of the resolution. 
Timeline of Events : XX/XX/XXXX : I contacted Target to report suspected fraud. Target confirmed there were two unauthorized charges ( {$19.00} and {$76.00} ) which I disputed and requested they investigate. Target stated they would conduct a fraud investigation and I should not pay the bill until it was complete. 
XX/XX/XXXX : Target requested me to complete a Target questionnaire with a written explanation. I mailed the letter back the same day. 
XX/XX/XXXX : Called Target ; XXXX confirmed the investigation was ongoing and reiterated not to pay the bill. 
XX/XX/XXXX : Called again ; XXXX confirmed the investigation was still ongoing and advised not to pay. 
XX/XX/XXXX : Called Target; spoke with XXXX, who informed me the account had been sent to collections. After further review, she admitted this was a mistake and said it would be reversed. She promised someone would contact me. 
XX/XX/XXXX : I have not been contacted by Target. I called them again and spoke to a supervisor named XXXX. My account remains suspended, I am receiving collection notices, and my credit has potentially been negatively impacted. 
Impact : This situation has caused significant stress, possibly damaged my credit score, and resulted in collection notices despite following Targets instructions. Target failed to provide timely updates, allowed inaccurate reporting, submitted my account to collection with accrued late charges and did not fulfill its obligations under FCRA to ensure accuracy and proper dispute handling. 

Thank you for your attention to this matter. Please contact me if you need additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a Chase Sapphire Reserve cardholder. The card was upgrade with greater benefits last XXXX. One of the benefits is an annual {$300.00} dinning credit ( issued {$150.00} for each 6 months ) for " Sapphire Reserve Exclusive Tables on XXXX *. 

I followed the instructions from Chase 's webpage, booked a restaurant ( at least at that time I believe this is the right restaurant ) and had a dinner on XX/XX/XXXX, spent {$150.00}. 

After about 2 weeks, I called the customer service since I had not received the credit. The representative told me the restaurant I went is not a qualified one. So I am not eligible to receive the {$150.00} credits. But I told him that I did follow the instructions. We spent quite a time to figure it out. The qualified restaurants are not showing in the XXXX app. You must use the XXXX website version or the link provided on the Chase 's webpage to access the hidden list of qualified restaurants. 

I believe this is completely misleading to users. Because below are what Chase posted on the Chase webpage about " How it works : Benefit overview Access Chase Sapphire Reserve Exclusive Tables to get XXXX reservations at hard-to-book restaurants in the Visa Dining Collection on XXXX. 

How it works To access Sapphire Reserve Exclusive Tables on XXXX : Visit XXXX or go to the XXXX mobile app Sign in to your XXXX  account or sign up for a free account Add your Reserve card Explore and book Sapphire Reserve Exclusive Tables * For details, please see Terms & Conditions. 

Please see your Rewards Program Agreement for more information about the rewards program on your credit card.^ Travel and Purchase Protection : These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance. 


First of all, it doesn't mention what a " Sapphire Reserve Exclusive Tables '' is. A customer as a Sapphire Reserve cardholder would simply assume any table you reserve with XXXX is Sapphire Reserve exclusive. And if a customer simply follows their instructions and goes to the XXXX app version, he/she has no idea what a " Sapphire Reserve Exclusive Tables '' should look like, and will definitely not find a qualified restaurant ( that is what happened to me ). 

I feel it is all secretly planned by Chase and XXXX. They intentionally make this " benefit '' ambiguous, such that customers can keep trying all the fine dining restaurants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has been completely unprofessional throughout this process. I have asked for documentation as to why my dispute was denied and they continuously have ignored me and one time they just sent copies of my bank statements for documentation. That literally shows no reason why they are denying the dispute. I disputed the transactions for goods and services not being as advertised. They never once called me about this or even investigated the dispute for the reason I asked them to. I have documentation of a class action lawsuit I am involved with against the merchant as well as countless other documents submitted validating my claim. They simply do not care enough to even reach out and explain or provide any documentation about the claim and why they are denying it. They are an absolute scam artist bank and I will be pursing legal action if they do not handle this correctly. I am out of {$64000.00} for a merchant who used false advertising and did not deliver the goods and services that were advertised and capital one sided with them within a week with no investigation. This is madness a bank should protect their customers. Captial one decided to just close my bank accounts rather than protect their consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am formally disputing the above auto loan due to predatory lending practices associated its organization and servicing inflated vehicular price pressure tactics or lack of lending these actions may constitute violation of applicable federal and state laws including but not limited to the truth in lending act ECOA unfair and deceptive abusive Act or practices

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2026-01-07 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: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal permanently limited my account and refused to provide any clarification about the basis, category, or data used in making this decision. I formally requested a compliance-level review and asked whether the limitation was the result of automated or manual decisioning, the general policy category applied, whether my identity or SSN was flagged, and whether the limitation affects future account access. I also offered to provide documentation to resolve potential errors.

PayPal responded only that the decision was final, could not be appealed, and no additional review would be done. No substantive information or clarification was provided. This refusal prevents me from understanding whether the adverse action was based on inaccurate identity data, automated risk scoring, or other compliance concerns, and leaves no mechanism for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently deposited a check of $ XXXX my unemployment benefits in Texas to my CitiBank Checking account ending in XXXX on Saturday XX/XX/XXXX. Since then I could not access my account either by the mobile app or web browser so I called Citi Fraud department on Monday XX/XX/XXXX and spoke with a representative who conformed my account was on hold due to close because they could not confirm the check. I insisted that they contact the check issuer to verify the validity of my check in which they did and was able to verify that the check was in fact confirmed and valid. They then told me that they requested for the block to be removed on the account and that it would be done so in about XXXX hours and to call back if I still don't have access to it. I called back within that time frame to let Citi know that I still can not log into my account. I spoke to a series of reps who all repeated the same thing to me yet my account was still not reinstated. They then told me that I had another checking account that was closed with a negative balance of - {$600.00} plus but somehow could not disclose any information of the account despite my inquiries, not even the last XXXX of the account number or when the account was open or closed. Because of this mysterious negative account, I can not get online access to my check until it is cleared. I told the supervisor on the phone that I will pay the balance on installments if I can get verifying information about the account. I then requested for my balance in my account ending in XXXX which my unemployment check was deposited to be closed and my check sent back out to me form CitiBank in which I was told would take XXXX days. Unfortunately I am currently facing an eviction from my apartment due to the balance on my rent which I was going to use the check to pay out and am unemployed at the moment so I am heavily relying on that unemployment check and can not wait XXXX days. I asked them to expedite the closing and expedite my check they said they can not and I have no branch to go into in my area ( Texas ). Throughout all of this, I have not yet received any written information from Citi regarding this issue at all. I have spent numerous hours on the phone and spoken to a dozen people and have yet to receive any sense of help. Dealing with this my bank it has been the most horrific situation I have been with the bank.

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 2026-01-07 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: Experian Information Solutions Inc.
State: TX

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 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 2026-01-07 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I placed an order on XXXX on XX/XX/year> for a total of XXXX. I received the items on XXXX XXXX. Upon receiving the items I opened the car seat and stroller and found that some of the items were broken. I contact customer service on XXXX XXXX and spoke with a chat rep explaining the issue and was advised that the full amount would be refunded to the original payment method and there was no need to return the item due to the item being broken I could discard the item. I contacted family to take the huge box along with the items in the trash. I waited for several days and found the amount was not refunded. I contacted the chat again on XXXX and at that time I was advised that the previous rep told me incorrect information and the item needed to be returned even though it was broken. However I explained the items were already discarded. There was a ticket created to escalate to a manager for review. A few days later I was advised they would not honor my request and I would need to contact my credit card company. I contacted BestBuy which is the credit card I used for this purchase. I was notified today they determined the charge was not in error. I don't believe this is right. I purchased an item that I was unable to use and I was advised to discard the item. I would like this to be investigated as the chats at XXXX are monitored.

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