vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Financial institutions applauded this decision based upon the fact that they could relinquish charged off debts and purge consumer files upon transfer of ownership. In essence, the transfers take place in multiples of millions of dollars at a time. The greatest benefit to financial institutions is the huge reductions of defaulted debts on XXXX quarterly filings with the Securities and Exchange Commission. This huge reduction is essential for continuation of high bond ratings for said institutions to raise new capital at exceptionally low interest rates on XXXX XXXX XXXX  and servicing agreements. 

In addition to FTC violations on acquiring my information and posting a collection on my credit reports, this debt-buyer in essence is guilty of identity theft. The debt-buyer has no rights to my personal information. The following additional criteria also applies : A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, i.e., XXXX XXXX  and XXXX XXXX, respectively. 
THIS COLLECTION IS ILLEGAL AND I DEMAND ITS DELETION ON ALL CREDIT BUREAUS. 
MY PERSONAL INFORMATION MUST BE PURGED PERTAINING TO THIS ACCOUNT PERMANENTLY. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding two collection accounts being reported by Jefferson Capital Systems in the amounts of {$1000.00} and {$740.00}, which I do not recognize and have no knowledge of owing. 

I never received proper written notice, billing statements, or prior validation of these alleged debts before they appeared on my credit report. I dispute the accuracy, ownership, and validity of both accounts. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting that Jefferson Capital Systems provide full legal validation, including : The original creditors name The original signed contract or application Complete payment history Proof of ownership and legal right to collect Proof the debt belongs to me Until proper verification is provided, these accounts should not be reported. If Jefferson Capital Systems can not produce full legal documentation proving the validity and ownership of these debts, I request immediate deletion of both collection accounts from all credit reporting agencies. 

I am requesting the complete removal of these inaccurate collection accounts from XXXX, XXXX, and XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
THIS COLLECTION HAS TIMED OUT AND MUST BE DELETED! Consumer Complaints and FDCPA Violations : Many consumers have filed lawsuits and class actions against XXXX for alleged FDCPA violations, including misrepresenting debt information, making misleading collection attempts, and failing to disclose information about the debt. The FTC 's Role in Debt Collection : The Federal Trade Commission ( FTC ) plays a role in overseeing debt collectors and investigating illegal practices. The XXXX FTC Report : The FTC issued a significant XXXX report titled " Repairing a Broken System : Protecting Consumers in Debt Collection ''. This report highlighted systemic issues in the debt collection industry, including the problem of debt buyers like XXXX suing on time-barred debts. Fines and Investigations : In the past, entities related to XXXX, such as XXXX XXXX XXXX, have been subject to investigations and fines for improper debt collection practices, such as one by the XXXX XXXX XXXX XXXX  XXXX. Therefore, there is not a single, high-profile case named " FTC v. XXXX XXXX, '' but rather a history of regulatory scrutiny, consumer lawsuits, and FTC reports that highlight the company 's alleged misconduct in the debt collection industry. This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : The third-party transfer became popular as a debt purchase arrangement in XXXX after a XXXX XXXX XXXX Decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX XXXX XXXX. XXXX. Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX This decision basically took away federal rights protections under the Fair Debt Collection Practices Act as amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) Financial institutions applauded this decision based upon the fact that they could relinquish charged off debts and purge consumer files upon transfer of ownership. In essence, the transfers take place in multiples of XXXX  of dollars at a time. The greatest benefit to financial institutions is the huge reductions of defaulted debts on XXXX quarterly filings with the Securities and Exchange Commission. This huge reduction is essential for continuation of high bond ratings for said institutions to raise new capital at exceptionally low interest rates on XXXX XXXX pooling and servicing agreements. Accordingly, this collection is in FDCPA rules violations, and must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Dear CFPB, I am writing to you regarding my TD Bank checking account. 

TD Bank Charges a EXCESS TX FEE Which in simple terms is a fee that TD Bank charges to you on most accounts when you go over 6 ONLINE/TELEPHONE/AGENT Transfers From a savings account to a checking account. They have been pretty well to refund the fees, recently they have not been and I contacted someone from there corporate office and the agent refunded a few fees. I simply do not feel this is enough and theses fees shouldn't happen at all to users under the age of XXXX who ca n't drive to a ATM and who can't avoid this fee and should create a account that does not have this fee or atm fee as well. There was a law for so many online transfers but the law simply has been droped and is not a thing anymore. 

TD Bank also charges a Non TD ATM Fee, ( the ATM itself does not charge a fee it is TD Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My paycheck from work was garnished and the debt was collected, then they garnished my income tax return also... they got paid twice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I tried to do the student loan forgiveness and they would not accept my application

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
Regional Finance sent physical mail to my residential home address despite having my designated XXXX XXXXXXXX listed as my official mailing address. This was not an oversight they already have my correct mailing address on file. 

Mailing correspondence to my physical home address is unacceptable. It is a direct disregard of my stated communication preferences and raises serious privacy and safety concerns. There is a reason I maintain and provide a XXXX XXXX for all correspondence. Sending mail to my residence not only wastes paper and resources, but it also poses potential harm by exposing sensitive financial information at my home and in my neighborhood we have had ongoing issues of people stealing mail. 

As a financial institution with compliance obligations, you are required to follow documented consumer communication preferences. This is basic compliance. Why would I list a XXXX XXXX  if I expected mail to be sent to my residence? Ignoring that instruction shows either negligence or intentional disregard. 

I have also issued a cease and desist regarding improper communication. I am documenting every complaint filed. Failure to adhere to my designated mailing address and failure to comply with my cease and desist will result in further regulatory complaints and I would be glad to provide the regulatory authorities of my communication with this company and their responses in a spreadsheet. 

I am currently in direct communication with XXXX at XXXX, the company Regional Finance is contracted with for customers who have experienced job loss or hardship. Regional Finance is fully aware of this arrangement. There was no justification for bypassing that process and sending correspondence to my residential address while I am actively working with their contracted partner regarding my situation. 


This conduct is unacceptable and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 6 weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to the information listed on my credit report, from LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX on XX/XX/year> regarding an alleged debt. 
Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and a validation is requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g 809 ( b ).

I request that you provide the following information and documentation, in writing, to validate this debt : * The amount of the debt, with an itemized breakdown of the principal, interest, and any fees.

* The name and address of the original creditor.

* Documentation proving I have a legal obligation to pay the amount owed to the original creditor.

* Verification that your company has the legal authority and license to collect this specific debt in my state.

* The date the original debt became delinquent and the date of the last payment made.

* Any insurance claim found on this deb.

Until you provide the requested verification and documentation, all collection activity must cease and desist. If negative information has been reported to any credit bureau ( XXXX XXXX  or XXXX  ), it must be removed while this debt is in dispute.Im requesting that you stop all garnishment immediately or refund all payments taking. 
I would prefer all future communication be in writing to ensure an accurate record of our correspondence. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
THIS COLLECTION HAS TIMED OUT AND MUST BE DELETED! Consumer Complaints and FDCPA Violations : Many consumers have filed lawsuits and class actions against XXXX for alleged FDCPA violations, including misrepresenting debt information, making misleading collection attempts, and failing to disclose information about the debt. The FTC 's Role in Debt Collection : The Federal Trade Commission ( FTC ) plays a role in overseeing debt collectors and investigating illegal practices. The XXXX FTC Report : The FTC issued a significant XXXX report titled " Repairing a Broken System : Protecting Consumers in Debt Collection ''. This report highlighted systemic issues in the debt collection industry, including the problem of debt buyers like XXXX suing on time-barred debts. Fines and Investigations : In the past, entities related to XXXX, such as XXXX XXXX XXXX, have been subject to investigations and fines for improper debt collection practices, such as one by the XXXX XXXX XXXX  XXXX XXXX. Therefore, there is not a single, high-profile case named " FTC v. XXXX XXXX, '' but rather a history of regulatory scrutiny, consumer lawsuits, and FTC reports that highlight the company 's alleged misconduct in the debt collection industry. This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : The third-party transfer became popular as a debt purchase arrangement in XXXX after a XXXX. XXXX XXXX  Decision XXXX XXXX XXXX AL. XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX XXXX XXXX. XXXX. Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX This decision basically took away federal rights protections under the Fair Debt Collection Practices Act as amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) Financial institutions applauded this decision based upon the fact that they could relinquish charged off debts and purge consumer files upon transfer of ownership. In essence, the transfers take place in multiples of XXXX  of dollars at a time. The greatest benefit to financial institutions is the huge reductions of defaulted debts on XXXX quarterly filings with the Securities and Exchange Commission. This huge reduction is essential for continuation of high bond ratings for said institutions to raise new capital at exceptionally low interest rates on XXXX XXXX pooling and servicing agreements. Accordingly, this collection is in FDCPA rules violations, and must be deleted permanently!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XX/XX/year> I used XXXX XXXX for my prescirbed medical tests. XXXX accepeted my insurance : XXXX, and submitted their claims to my insurance. The insraunce processed the claims. They partically covered the claims and partically denied them. My responsiblity was {$86.00} which I paid to XXXX promptly. 
XXXX, however, started sending bills to me in the amount of {$760.00}. First, this amount is much higher than the amount per insurance allowed amount, second per my inuarance I am not responsible for any payments apart from {$86.00} which I paid. 
I attmepted to contact XXXX several times, via phone and email in XXXX and XXXX of XXXX. They never responded to clarify their surprised billing practices. 
Instead, they sent their fraudulent bills for collection via Radius Global Solutions LLC. 
Radius sent a convoluted letter stating that the service date was XX/XX/year> ( not true ). Their letter also states that i preovided 0 payment towards the bill which is not true.

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 2026-02-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am requesting that U.S. Bank Relicard fully restore my access to the refunded funds and immediately remove the {$0.00} withdrawal restriction that is preventing me from accessing my child support money. The bank has already refunded the stolen funds, but they have not restored my ability to withdraw or use the money. 

This means the refund is not usable, and I still can not access my money. This is causing financial hardship.

Under Regulation E, once a bank determines fraud occurred and refunds the money, they must restore full access to the account. U.S. Bank has failed to do this. My account is still restricted even though the investigation is supposedly complete.

The bank has been very hostile towards when I try to figure out what has happened. Multiple times the call will disconnect on there end. I was never notified any changes on my account until my account was {$300.00}.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I discovered a collection account reported by Jefferson Capital System, originally from XXXX, that I do not recognize and did not authorize. The account shows a balance of approximately {$180.00}, with a date opened of XX/XX/XXXX, and reporting as a collection account as of XX/XX/XXXX. 

I did not open this account, did not authorize any purchases or agreements related to it, and have no contractual relationship with this company. I believe this account is the result of identity theft. 

I requested that the company provide documentation verifying that I opened or authorized this account, including the original agreement and application, and I have not received sufficient proof. 

I am requesting that this account be investigated as identity theft and removed from my credit report under the Fair Credit Reporting Act ( FCRA ). I am willing to provide an identity theft affidavit or police report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
I entered into a solar installation and financing agreement with XXXX XXXX as the installer and Dividend a division of Fifth Third Bank, as the lender. The system was sold to me with the understanding that XXXX XXXX would provide ongoing service, customer support, and warranty assistance as part of the overall purchase. 

Before signing, I specifically asked the XXXX XXXX salesperson ( XXXX XXXX ) about the companys stability and long-term ability to provide service and warranty support. I was assured that XXXX XXXX was a strong, growing company and that I would not have to worry about future support. 

XXXX XXXX is now out of business and can no longer provide the service, warranty support, or customer care that were a material part of the agreement. This has significantly reduced the value of what I purchased, as installer support and long-term service were key components of the contract and sales representations. 

I contacted Dividend ( Fifth Third Bank ) to request assistance and a fair resolution. They advised me to contact the equipment manufacturer directly. However, manufacturer support is not equivalent to the installer-provided service and customer support that were promised and included in the original agreement. 

My contract includes language consistent with the FTC Holder Rule, which preserves my right to assert claims and defenses against the creditor when the seller fails to fulfill their obligations. 

I requested a reduction in the loan balance, elimination of interest, and reimbursement or credit for payments already made to reflect the loss of installer-provided service and warranty support. Dividend Fifth Third Bank has not provided a meaningful resolution and continues to enforce the full loan obligation despite the installer no longer existing.

Company response to consumer: Closed with explanation