vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am filing a complaint regarding a debt being reported and/or collected that is associated with a XXXX vehicle originally financed through XXXX XXXX XXXX XXXX The balance being pursued is approximately {$16000.00}, which appears to be a deficiency balance following repossession and sale of the vehicle. However, I have not received proper documentation validating this debt. Specifically : I did not receive a Notice of Sale prior to the vehicle being sold I was not informed of the location of the vehicle after repossession I did not receive a post-sale accounting showing the sale price or how the remaining balance was calculated Because of this, there is a serious question as to whether the original creditor followed required procedures. Without proper notice and documentation, the validity of the deficiency balance is in question. Request for Validation I am requesting that the debt collector provide : Documentation proving they have the legal right to collect this debt A complete chain of assignment or ownership of the account A full accounting of the alleged balance, including how the {$16000.00} was calculated Documentation from the original creditor showing : Proper Notice of Sale was sent The date and method of sale The sale amount of the vehicle Credit Reporting Concern This account is being reported to credit bureaus ; however, under the Fair Credit Reporting Act, any information reported must be accurate and verifiable. If the debt collector can not provide full validation and documentation, I request : Immediate cessation of collection activity Removal of the account from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had an account with Bank of America that was closed on XX/XX/year> due to fraudulent activity that Ive provided to the bank multiple times proof that is wasnt anything I had knowledge, Ive disputed with no update and now have been put in the checks system where I can not open an account with another institution

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
I signed up for a XXXX XXXX on XX/XX/year>, which was also the same day my membership began, and I was not properly informed of the cancellation process. I was simply told to sign the contract without any clear explanation of how cancellation worked. I attempted to cancel on XX/XX/year>, the same day the membership started and within the allowed cancellation period, both in person and through written communication, and I was led to believe by staff that my cancellation was being handled. The XXXX does not provide a way to cancel membership through their website, which prompted me to contact customer support. I was told that the location has its own cancellation rules, and I was not provided a clear or accessible way to cancel. I also contacted support again on XX/XX/year> and clearly requested cancellation in writing, but the business continued billing and did not process my request. The account was later sent to collections. I disputed the debt and provided proof of my cancellation attempts, but the collection agency has ignored this evidence and continues to report the account as valid. This debt is inaccurate because it resulted from the business failing to process my cancellation requests, not from services I agreed to continue. I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My account is in XXXX XXXX and it is actually paid of f. I made a call and they did not cooperate taking out the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: SC

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXXXXXX XXXX XXXXXXXX is submitting a formal complaint regarding the improper negotiation of an insurance claim check issued by XXXX XXXX. The check in question was made payable to XXXX parties : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This check was deposited and cleared on XX/XX/year>, into a Citibank account without the endorsement or authorization of XXXX XXXX XXXX, XXXX. As a named payee, our endorsement was required for lawful negotiation of the instrument. However : XXXX XXXX XXXX, XXXX did not endorse the check We did not authorize any party to sign on our behalf The check was accepted and processed with only XXXX of the XXXX required endorsements This constitutes a failure in proper banking procedures governing multi-party instruments. Despite repeated attempts to resolve this matter directly with the other payees, both individuals have denied responsibility and provided conflicting statements regarding possession and deposit of the check. These claims contradict the confirmed fact that the check has cleared. Additionally, the insured executed a signed work authorization agreement prior to project completion. This agreement explicitly requires that any insurance proceeds issued to the insured be properly endorsed and released to XXXX XXXX XXXX, XXXX for services rendered. This obligation was not fulfilled. Given these circumstances, we are requesting the following : A full investigation into how this check was accepted and negotiated without all required endorsements Copies of the negotiated instrument, including front and back images XXXX of the account into which the check was deposited XXXX remediation for the improper payment, including recovery of funds We are prepared to provide all supporting documentation, including the signed work authorization agreement and documented communications with the involved parties. If additional information is required, please contact us directly. Customer Information ( Other Payees ) : XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Fraud Department called me that some one used Wells Fargo bank credit card with my name in XXXX purchasing XXXX XXXX. That card was issued in XXXX this year at the XXXX Wells Fargo branch. I never applied this card, have not been in XXXX for a long time. They connect me to FTC so I reported all of this, and I need the clearance report according to Freud supervisor XXXX XXXX from Wells Fargo bank. FTC told me I need face to face meeting to have this report. My case number is XXXX. My goal of this letter is to avoid any problem in the future.

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 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank accounts was closed without notification checking and saving and the bank refused to let me know why after I've been with them for almost XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I sent a letter to all XXXX bureaus XXXX XXXX XXXX XXXX regarding XXXX collection accounts on my credit report. I request specific information that still has not been provided to me related to the collection accounts being reported. The name & address of the original creditor, documentation of the alleged debt ( debt validation ), including signed contracts, any transfer of ownership from which company they have been hire by. This has taken a toll on me and caused stress trying to figure out what these accounts are and how they came about. The following is a list of the companies in question Midland Credit Management {$1300.00} Midland Credit Management {$1400.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
I am disputing a collection account being reported by Jefferson Capital LLC on my credit report. This account is being reported with a balance of {$1600.00} ; however, I have not been provided with proper validation of this alleged debt. I have not received documentation such as a signed contract, complete account history, or proof that Jefferson Capital LLC has legal ownership of this debt. Additionally, this account is being reported with dispute-related codes, indicating inconsistencies and possible inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and 1681i, all information reported must be accurate and verifiable. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am entitled to full validation of this debt. Jefferson Capital LLC has failed to provide sufficient verification. I am requesting : 1. Immediate deletion of this account from my credit report 2. Full validation of the alleged debt, including proof of ownership 3. Documentation of the investigation process used to verify this account If this account can not be properly verified, it must be deleted immediatel

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I received XXXX PenFed prepaid reward cards totaling {$250.00} ( XXXX {$100.00} cards and XXXX {$50.00} card ). These cards recently expired ( XX/XX/year> ), and I am requesting reissuance of the remaining balances. These are prepaid reward cards, not points. Under federal gift card regulations, the underlying funds should not expire simply because the card itself has expired. I attempted to resolve this through PenFed customer service but was unable to reach a U.S.-based escalation team. I was told the cards can not be reissued, with no further assistance offered. I am requesting that PenFed reissue the remaining balances onto new cards or otherwise provide access to the {$250.00} in funds.

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 2026-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ive had XXXXXXXX XXXX debit prepaid cards for over XXXX years now. About XXXX or XXXX times a year I try to use them and still can not. The support is XXXX and XXXX. I first try to get the pin number by calling the phone number on the card and entering my information to which it says it can not find a card with that information and provides no additional context. I then go to register the card through the website and after filling in that information, it says Your request can not be completed at this time. Please contact the number on the back of your card. After contacting the number, I get stuck with a robot that asks for the same card information from earlier, not even information to activate the card. Again, when entering my card information it tells me it can not find it and nothing else. There is no way to get in contact with a human that I could find and there is no support on what to do when this happens. This card expires in XXXX. There should be no issue.

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 2026-04-14 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am submitting this complaint regarding a billing error dispute involving approximately {$5000.00} in unauthorized credit card charges that the issuer has improperly classified as authorized without conducting a reasonable investigation. On or about XX/XX/XXXX, I was contacted by the companys fraud department regarding suspicious transactions at XXXX XXXX and XXXX. During that call, I clearly stated that I did not authorize or make any of those transactions. I have always maintained physical possession of my credit card, and it was never lost, stolen, or shared with any third party. The company closed my card and opened a dispute. Shortly thereafter, they issued a provisional credit for the disputed amount, indicating that the activity was potentially fraudulent. However, within several days, the company reversed the provisional credit. The sole justification provided was that the card contains a chip and therefore the transactions must have been authorized. No specific evidence or documentation was provided to support this conclusion, such as whether the transactions were card-present or card-not-present, authorization or response codes, merchant verification, or any technical or forensic data. I subsequently filed a complaint with the CFPB, before which the company reopened the investigation. Despite this, their most recent response dated XX/XX/XXXX again denied my claim, relying on the same unsupported assertion that the transactions were authorized, without providing any evidence or demonstrating that a reasonable investigation was conducted. I was not present at the merchant locations, did not participate in these transactions, and received no benefit from them. I also filed a police report ( Report XXXX. XXXX ), regarding this matter. Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, once a consumer reports unauthorized charges, the issuer is required to conduct a reasonable investigation and can not rely solely on the presence of chip technology or an authorization code to determine liability. The company has failed to meet this obligation.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or 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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I missed a payment in a post judgment payment plan and was told by XXXX XXXX via email A judgment would be entered and I could start a new plan after I made up the payment on XX/XX/XXXX. I made the payment as discussed. I just received judgment paperwork on XX/XX/XXXX and am trying to get a response from her to restart the payment plan as she said via email but she doesnt answer. I have also tried calling to no avail. I am doing my best to settle this and its difficult to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: IL

Complaint narrative:
On XX/XX/year>, I received a letter from Ascendium Education Solutions , Inc. regarding a student loan that with a loan statement that I strongly disagree with the amounts that they are trying to collect on. On XX/XX/year>, I sent a letter requesting a what type of loan they were trying to receive payment for. The current status, and whether there were any active billing or collection activity or scheduled activities being enforced at this time. I received back a letter dated XX/XX/year> stating that they enclosed a copy of a a promissory note that is not signed and I have no knowledge about. The balance in which they are stating that I owe is fabricated and does not provide any details. I responded back to them by certified mail asking for a XXXX for the accounts and to provide a true and correct copy of the note that is believed to owed. A copy of the Original Creditors name and proof of the specified amount owed, and loan history. I advised that I am disputing the fees and will need a full disclosure and breakdown of fees. I have not received any additional information from Ascendium Education Solutions , Inc. since. On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) advising that they were a debt collector, and were trying to collect a debt that I owe to Ascendium Education Solutions Inc. I have since sent them a certified letter requesting that they provide me with the information listed below. XXXX. Please provide an original copy of the promissory note that is believed to be owed. XXXX. A copy of the Original Creditors Name, proof of specified amount owed, a complete payment history, including an itemization of interest and fees added. XXXX. I am requesting all documentation including the loan history and a breakdown of fees. XXXX. Please pause any reporting to credit bureaus while this dispute is investigated.

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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems regarding an alleged debt of {$480.00} associated with a XXXX account that is currently being reported on my credit report. I formally disputed this debt and requested full validation, including documentation proving I am responsible, an itemized breakdown of the balance, and proof of their legal authority to collect. Jefferson Capital Systems failed to provide any of the requested validation. Instead of validating the debt as required under the Fair Debt Collection Practices Act, they redirected the matter toward identity theft and instructed me to complete an FTC identity theft report. This does not satisfy their legal obligation to validate the debt. Additionally, I was not properly notified of this alleged debt prior to it being reported to my credit file. I did not receive a clear validation notice outlining the debt, my rights, or the required account details before collection activity and reporting began. Their correspondence also states that due to the age of the debt, they will not pursue legal action. This indicates the account may be time-barred. Despite this, they continue to report and/or attempt to collect the debt without providing proper verification. Under the Fair Credit Reporting Act, any information reported to credit bureaus must be accurate and verifiable. Jefferson Capital Systems has failed to verify this account despite my dispute. I am requesting that Jefferson Capital Systems : Provide full validation of the alleged debt, including signed documentation and a complete chain of title, OR Immediately cease collection efforts and request deletion of this account from all credit reporting agencies. If they are unable to validate this debt, it should not be reported or collected. I am requesting a full investigation into this matter and removal of any unverifiable information from my credit report.

Company response to consumer: Closed with explanation