vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson Capital Systems , LLC furnished and attempted to collect on Account XXXX. XXXX without providing competent verification or establishing lawful authority to collect or report the alleged debt. 

I disputed this account and demanded validation. Despite the dispute, Jefferson Capital continued collection activity and credit reporting without substantiating the debt, in violation of its obligations under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) and 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ). 

I then issued a formal Cease and Desist Notice demanding that all communication, collection activity, and credit reporting cease immediately. Jefferson Capital failed to confirm cessation, failed to provide legally sufficient documentation, and continued to maintain the tradeline. These actions constitute continued collection activity after dispute and notice, and demonstrate a failure to maintain reasonable procedures to ensure accuracy, completeness, and legal compliance. 

Jefferson Capital has been given multiple opportunities to cure these defects and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I opened my account with Bank of America in XX/XX/year> since then it has been nothing but issues. I understand that there are holds but each time I have deposited a check they tell me it will be a XXXX hold, each time the extend it further and further out until the maximum time with no communication about this. Today I went to get the cashier 's check to pay my XXXX XXXX to find out there is a " fraud hold '' on the account. I did not report fraud, nor has there been any activity since my last cashier 's check and XXXX auto pay from XXXX. When I get to the branch i find out that the account is under business review with no notice, not information as to why, and no clear expectation as to when the funds will be released. I am trying to start my business and i have vendors to pay that because of Bank of America 's games, are not able to be paid. I called the fraud dept myself and got the same response. I requested a supervisor as I want the unauthorized hold released immediately so i can close my account and take my money elsewhere. I am being told that the hold was put on XX/XX/XXXX. My check for {$6500.00} cleared XX/XX/XXXX. I went to the bank to deposit {$100.00} and to get the cashiers check. that is when i was informed of this. Bank of America has no business dealing with customers or their money. 

When I spoke to the supervisor she gave me the same speech telling me there is no timeframe they can give me to release the funds. I demanded to speak to her supervisor and she told me she would submit feedback on my behalf. this is affecting my abiltiy to feed my family.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/year> Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Validation of Alleged Debt Account Number : XXXX To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe to Capital XXXX. This letter serves as a formal request for validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement. 

A complete itemized accounting of the amount you claim is owed. 

The name and address of the original creditor, and documentation showing that XXXX XXXX has assigned or transferred this debt to your agency. 

Proof of your authorization and license to collect debts in my state. 

XXXX that the statute of limitations has not expired for collecting this debt. 

A copy of any judgments, if applicable. 

Until you provide the requested documentation, you must cease all collection activity, including reporting or verifying this debt with any credit reporting agencies. If you have already reported it, please notify the credit bureaus that the debt is disputed. 

Be advised that any attempt to collect this debt without providing proper validation is a violation of federal law. 

I expect your response within the timeframe required by law. If you can not provide the requested documentation, you must cease all collection efforts and remove any related information from my credit reports. 

Thank you for your cooperation. 

Sincerely, 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year> I attempted to deposit {$5000.00} cash into a Bank of America ATM. The ATM indicated the deposit failed and did not return the cash. This was an ATM malfunction. 
I reported the issue to Bank of America the following business day. An investigation was opened, but no provisional credit was provided. We were told the funds would not be returned until XX/XX/year>. 
Due to the delayed availability of my funds, my account went into a negative balance and I was unable to make payments due on the XXXX of the month, like my mortgage, credit cards due payments. This resulted in overdraft fees and late charges. 
This situation was caused by a Bank of America ATM error, yet the bank did not take any steps to prevent account damage during the investigation. 
I am requesting reimbursement of all fees and charges caused by the delay, as well as written confirmation that this incident will not negatively affect our account or credit.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I deposited a {$35000.00} bank-issued insurance proceeds check via ATM into my USAA account XXXX XX/XX/year>, at approximately XXXXXXXX XXXX. The check was issued by XXXX XXXX XXXX XXXX  and represents insurance funds that originated from USAA as my insurer. 

At the time of deposit, I was informed that the funds would be available by XX/XX/XXXX. This availability date was later unilaterally extended to XX/XX/XXXX without any new justification or revised Regulation CC notice explaining the basis for the extension. 

USAA has since released the mandatory {$5500.00} required for large deposits under Regulation CC, but continues to hold the remaining balance. USAA representatives state that they can not determine whether the check has settled with the paying bank and claim there is no department available to escalate or review this under Regulation CC.

USAA is continuing to hold funds while asserting it can not confirm settlement or presentment status, and without identifying a specific Regulation CC exception justifying the continued hold. This delay is causing material financial harm, including a construction work stoppage and contractual damages. 

I am requesting regulatory review of USAAs funds-availability practices in this matter and immediate release of the remaining funds or written identification of the specific Regulation CC exception relied upon.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding CareCredit ( Synchrony Bank ) applying a large deferred interest charge to my account without adequate advance disclosure, meaningful notice, or informed consent. 

On my most recent statement dated XX/XX/year>, CareCredit assessed {$970.00} in interest in a single billing cycle following the expiration of one or more promotional financing plans. This charge appeared suddenly as Interest Charged This Period after the fact, without any prior communication warning that a charge of this magnitude was imminent. 

Although my statements contain general language stating that promotional balances must be paid in full by their expiration dates to avoid deferred interest, nowhere on my statements does it clearly disclose that : Deferred interest would be applied retroactively in a single lump sum The approximate dollar amount of interest that would be charged That such interest would be assessed all at once rather than distributed into monthly payments That nearly {$1000.00} would be added to my balance without any advance alert or consent The Promotional Expiration Notification included on the statement is vague, non-specific, and insufficient for a material financial action of this size. It does not quantify the financial impact, provide a clear warning of a lump-sum assessment, or give the consumer a reasonable opportunity to act before the charge is imposed. 

I was never contacted by CareCredit via email, phone, mail, or account alert to inform me that a promotional period was about to expire or that a substantial deferred interest charge would be applied if the balance was not paid in full. I only became aware of the charge after it had already been posted. 

When I contacted CareCredit, I was told the interest could be removed only if I immediately paid thousands of dollars toward the principal. Conditioning reversal of improperly disclosed interest on immediate lump-sum payment does not remedy the underlying failure to provide clear notice or obtain informed consent. 

I am requesting that the CFPB review CareCredits deferred interest disclosure practices and require removal or adjustment of this charge due to inadequate disclosure, lack of transparency, and unfair billing 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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Dear CFPB, I paid the outstanding balance on my Bank of America credit card # XXXX in full on XX/XX/year>, thereby satisfying the amount due as reflected on the statement and in accordance with the cardmember agreement. 

Subsequent to payoff, Bank of America assessed additional residual or trailing interest that was not disclosed at the time of payment and was not reasonably ascertainable from the balance presented for payoff. 

Under the cardmember agreement and applicable disclosure requirements, interest terms must be clear, conspicuous, and accurately reflected when a consumer tenders payment in full. The assessment of post-payment interest without contemporaneous disclosure creates ambiguity as to the amount required to fully satisfy the obligation. 

During a telephone call with Bank of America, I was advised that in order to obtain a true payoff amount, I was required to call and request a final or total balance. This requirement is not disclosed in the cardmember agreement or otherwise presented to the consumer at the time of payment. 

As a result, a consumer may reasonably believe the obligation has been fully satisfied, while additional interest continues to accrue in an indeterminate amount. This creates a situation where the account is paid in full in practice, yet remains open to further charges without a clearly disclosed payoff figure. 

The lack of a clear, contractually disclosed payoff mechanism renders the remaining balance ambiguous and functionally unknowable at the time of payment, particularly where interest continues to compound on accrued interest. 

I am disputing this charge and requesting a credit of the residual interest, along with written confirmation that the account reflects a true XXXX balance and that no further interest will accrue.

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 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I sent a letter that served as a formal and immediate dispute of the alleged medical debt referenced above. 

Same company with XXXX different names and amounts. Same billing address. 

I do not acknowledge responsibility for this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), I am demanding full and complete validation of this account. 

You are hereby required to provide competent evidence that this debt is valid and legally collectible, including but not limited to : 1. A complete itemized billing statement from the original medical provider 2. The exact date ( s ) of service allegedly giving rise to this debt 3. Proof that I am the legally responsible party 4. A copy of any agreement bearing my signature that authorizes collection 5. Proof of your agencys authority to collect on this account 6. An accounting of all payments, adjustments, and insurance activity related to this alleged balance Be advised that medical billing and insurance errors are widespread, and until you provide the above documentation, this debt remains disputed in its entirety. 

During the pendency of this dispute, you are directed to immediately cease all collection activity, including phone calls, written correspondence, and reporting or re-reporting to any credit reporting agency. Any attempt to continue collection efforts without proper validation will be documented as a knowing violation of federal law. 

If this account has been reported to any credit bureau, you are required to notify them that the account is disputed. Failure to do so constitutes an additional violation of the FCRA. 

Should you be unable to provide the requested validation, you are required to permanently close this account, remove any credit reporting associated with it, and confirm such action to me in writing. 

Any further communication from your office that does not include the requested documentation will be considered harassment and will be preserved for potential legal action. 

I expect your written response within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions denial of my fraud claim related to unauthorized activity on my checking account. 

Navy Federal denied my claim stating that the funds deposited into my account were derived from fraudulent activity and that I authorized, participated in, or benefited from the transactions. This determination is incorrect. 

I did not authorize, initiate, approve, or knowingly participate in the reported transactions. My debit card and/or account access was compromised without my knowledge or consent. I did not knowingly receive, request, or retain any funds derived from fraudulent activity, nor did I intend to benefit from any such activity. 

Navy Federal has not provided specific evidence demonstrating authorization, intent, or knowing participation on my part. The denial appears to rely on assumptions rather than verifiable proof such as device or IP login data, authentication records, or documented authorization. 

I have submitted a sworn affidavit under penalty of perjury affirming that the activity was unauthorized and that I did not benefit from it. 

I am requesting : 1. A full reinvestigation of my fraud claim 2. Disclosure of the evidence used to determine authorization or benefit 3. Correction of any inaccurate findings 4. Appropriate resolution consistent with consumer protection laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
Hello! Jefferson Capital has reported to the credit bureaus a debt that was a result of identity theft. I have disputed this information several times. Now they have reported with incorrect dates, and have duplicated the debt on my report so it shows as XXXX different debts. I have found they dont even own the debt and are still reporting it. When I have tried to contact them directly to try to just create a settlement agreement, theyre now saying the debt belongs to XXXX XXXX I have reported to them, as well as in my disputes to credit bureau, that I was affected by the equifax data breach and was monetarily awarded for damages from equifax. I was also a part of the original debtors ( Verizon wireless ) class action lawsuit settlement from XXXX. Notice ID : XXXX with Confirmation code : XXXX They are currently reporting it XXXX on my credit report as of XX/XX/XXXX that the original opening date for the debt is XX/XX/XXXX. When the actual date was XX/XX/XXXX. I have exhausted every option available so now I would like assistance as this is preventing me from acquiring housing. Thank you so much for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
After filing a complaint with the CFPB cashapp closed my account as of XX/XX/year> a day after they received the complaint even appealed and was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I was never told that payment was due no mail or anything when I checked I didnt have a payment due. I have since made a XXXX dollar payment and now cant login to my account to check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I have filed an FTC complaint, which is attached, against RentDebt Automated Collections , LLC, as well as a complaint with my State Attorney Generals Office. In its CFPB response, XXXX claims that it sent an initial collection notice on XX/XX/year> ; however, this response does not address my primary violationthat I did not receive the required written notice of this debt as mandated by FDCPA 1692g ( a ), a violation that alone carries statutory damages of up to {$1000.00} under FDCPA 1692k. RentDebt provided no proof of mailing, no proof of delivery, and no evidence that I actually received the notice, merely stating that the letter was not returned as undeliverable, which does not satisfy the FDCPA. After I discovered the account through my credit report, I timely requested debt validation, and it has now been well over 30 days with no lawful validation provided. Despite this, RentDebt continued reporting the account, which constitutes continued collection activity in violation of FDCPA 1692g ( b ). 

The documents RentDebt uploadedconsisting of internal account materials and a lease-related documentdo not establish RentDebts legal authority to collect, do not provide a complete chain of assignment, do not include an itemized accounting of the alleged balance, do not prove accuracy of the amount reported, and do not demonstrate that a reasonable investigation was conducted after my dispute as required by FCRA 1681s-2 ( b ). Continued reporting of unverified information also violates FCRA 1681e ( b ) and XXXX XXXX reporting standards, which require data to be accurate, verifiable, and supported by competent evidence. Because RentDebt failed to provide proper written notice, failed to validate the debt, and continues to furnish unverifiable information, the only lawful resolution is deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation