vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I purchased the car and from the very beginning it has been problems. All the paperwork was stolen. I finance through USAA using the dealership phone. I now do not believe that it was USAA people in fact scammers. The title and XXXX XXXX came back three times wrong. And the paperwork keeps getting stolen from car. XXXX XXXX broke into car and put tracking device on car. A new key was made of the car. I want to know who car is this vehicle. XXXX type XXXX The loan paperwork was stolen money was being drafted from checking account. They have established a fake XXXX Account with USAA supposed to be paid out of that account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto insurance policy XXXX LOSS PAYEE VEH 10 USAA Federal Savings Bank, XXXX OH What does that mean? I have the car outside. Is this car stolen and XXXX XXXX XXXX XXXX SC sale me a stolen car from point of delivery? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Something is not right? request assistance.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction on a Citi credit card account and the inability to promptly initiate a dispute due to excessive and unreasonable customer service delays. During the billing period ending XX/XX/year>, a charge in the amount of * * {$8400.00} * * was posted to the account. This transaction is * * unauthorized and not recognized * * by the cardholder. Upon identifying this issue, I immediately attempted to contact Citi customer service to report the unauthorized charge and initiate a dispute. However, I was met with * * extremely long hold times exceeding 30 minutes * *, as confirmed by the automated system. I have a recording of this interaction, including the system message indicating prolonged wait times. This delay is unacceptable given the urgency of reporting unauthorized transactions and preventing further financial harm. Under the * * Fair Credit Billing Act ( FCBA ) * *, consumers must be provided a reasonable and timely method to dispute billing errors. Citis failure to provide accessible customer service effectively * * obstructs the dispute process * * and exposes the cardholder to unnecessary risk. * * Key Issues : * * * Unauthorized transaction of {$8400.00} * Inability to promptly reach Citi to initiate a dispute * Excessive hold times preventing timely reporting * Potential violation of consumer protection obligations under FCBA * * Requested Resolution : * * 1. Immediate investigation and reversal of the unauthorized charge 2. Confirmation that the account will not be held liable for this transaction 3. Assurance that no interest or fees will accrue related to this disputed amount 4. Written confirmation of the dispute and investigation timeline 5. Review and correction of Citis customer service accessibility for fraud/dispute reporting I am prepared to provide supporting documentation, including account statements and call recordings video demonstrating the inability to access customer service in a timely manner. This matter requires prompt attention due to the size of the transaction and the failure of Citi to provide adequate support channels.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of an alleged debt that your company, FIRST CREDIT SERVICES, claims I owe. I do not recognize this debt and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. FIRST CREDIT SERVICES is not the original creditor of this account. As a third-party debt collector, you are required by law to provide proper documentation that proves I am legally obligated to pay this debt. At this time, you have failed to provide sufficient evidence establishing that this debt is mine. Specifically, I request the following : A copy of the original signed contract or agreement bearing my signature Documentation showing the full chain of assignment from the original creditor to your company Proof that you are legally authorized to collect on this alleged debt A complete payment history and itemization of the alleged amount owed Under federal law, you must cease all collection activities until you provide proper validation of this debt. Failure to provide such documentation indicates that you do not have legal standing to collect. Additionally, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you CEASE AND DESIST all communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, text messages, and any other form of contact. You may only contact me in writing to provide the requested validation or to confirm that this matter is closed. Furthermore, pursuant to the Fair Credit Reporting Act, if you are reporting this account to any credit reporting agencies, you must ensure that the information is accurate and verifiable. If you can not provide the requested validation, you are required to immediately remove this account from all credit reporting agencies, including XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I am filing a complaint against Ameris Bank regarding a {$5000.00} returned check that has resulted in a negative balance on my account, even though I never had access to or used the funds. I didnt even have access to my own account as this was fraudulent activity. Now Ameris is threatening to close my account with a negative balance even though I do not owe them money. And from what I know the money was never made available before they reversed the funds. On XX/XX/year>, a check in the amount of approximately {$5000.00} was deposited into my checking account. At no point were these funds made available to me. My available balance remained essentially unchanged ( approximately {$0.00} ), indicating the funds were on hold. Shortly after, the bank reversed the check as fraudulent or invalid. However, instead of simply removing the pending deposit, the bank debited my account for the full {$5000.00}, resulting in a negative balance of approximately {$4900.00}. Based on standard account balance logic, if my account balance was {$0.00} prior to the deposit, and the funds were never made available or used, the reversal should have returned my account to $ XXXXnot placed me in a negative balance for the full amount of the check. I am requesting : * A full investigation into how this negative balance was calculated * A detailed transaction history showing ledger and available balances before and after the deposit and reversal * Reversal of the {$5000.00} debit, as I never accessed or used these funds * Confirmation of whether this situation is being treated as fraud and why I am being held financially responsible. I called to them and explained the situation. I believe this situation reflects improper handling of a returned deposit and unfairly places liability on me for funds I never received or used. These funds never hit the account, they shouldve just taken everything back to 0.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX confirmed that the tradeline for XXXX XXXX XXXX ( Account related to XXXX XXXX XXXX, Ref # XXXX ) was officially deleted from my credit report following a dispute. This deletion was supported by a formal response from XXXX XXXX XXXX, in which they explicitly stated they had made the decision to request the tradeline be deleted with all credit reporting agencies. However, as of XX/XX/XXXX, a new third-party collector, First Credit Services , Inc. , has initiated collection efforts for the exact same debt amount of {$20000.00}. This action is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Reporting : The debt was previously determined to be unverified or inaccurate, leading to its deletion by the prior owner ( XXXX ). Harassment/Unfair Practices : Attempting to collect on a debt that has been removed from credit reports due to verification failures is predatory. Conflicting Data : My records show multiple conflicting balances and dates across bureaus ( {$31000.00} vs {$22000.00} vs {$20000.00} ), proving the debt can not be verified with " maximum possible accuracy '' as required by FCRA 607 ( b ). Loss of Employment : Due to the fraudulent reporting, I was denied auto financing to replace a vehicle, forcing a reliance on XXXX/rideshare services. This financial strain and the interruption of cellular service ( caused by financial denials ) directly led to an inability to communicate with my employer. I was subsequently terminated from my position as a XXXX XXXX XXXX for " Job Abandonment '' a status I am now fighting to expunge. This termination has halted my trajectory toward becoming a XXXX, causing a massive loss of future earnings. The original creditor, XXXX, has already closed and removed this tradeline, proving there is no legal basis for these collection efforts. BOTH COMPANIES XXXX XXXX XXXX XXXX XXXX NEED TO PAY ME A BALANCE OF XXXX for harassing me for debt that is not verifiable. XXXX is a small fraction of what this CRIME is actually worth. I demanded an immediate payment & correction letter within the next 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Hello. This is for XXXX Credit Card from Onemain Financial Recently I tried to get this card on a Debt Management Plan. I did not have my account number as I had destroyed the card. The account number was needed to add them to the DMP. I frequently attempted to get a replacement card or at least the number from XXXX by calling and emailing. They have not sent a card or provided the account number. They claimed it was on the statements. It is not. I sent them an email on XX/XX/year> to please provide me a letter in writing with the account number plus all charges on the card and payments. I have yet to receive anything. I also requested a phone call. I have not received a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CL Holdings LLC
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: NRA Group, LLC
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened my CapitalOne XXXX XXXX XXXX for my sole proprietorship business " XXXX XXXX XXXX '' with the XXXX XXXX XXXX on XX/XX/XXXX. The requirements for the bonus were : XXXX {$10000.00} within 30 days of account opening. Maintain a balance of $ XXXX for 60 of the first 90 days of account opening. Complete 10 eligible transactions ( be ACH debits or credits and a few other options ). I confirmed by calling CapitalOne on XX/XX/XXXX ( spoke to " XXXX '' ) and XX/XX/XXXX on a recorded line that the promo code was added to my account- the representative said that is the correct code and it was added to my account. I ACH 'd in {$10000.00} from a non Capital One account which landed XX/XX/XXXX and was in the account for over 60 days. I'm including screenshots of the 10 ACH push transactions on XX/XX/XXXX that were deposited into the account as part of the requirements. According to the terms and conditions, I should have received {$600.00} 45-60 days after the 90 day period : XXXX. I never received this payment. I spoke to Capital One representatives numerous times by phone starting in XXXX of XXXX after not receiving the payout, and on recorded phone calls they stated that they saw I enrolled correctly in the bonus, fulfilled each and every requirement, and could not see why I hadn't received the payout. When I logged in to my account in XXXX of XXXX I could see that the account had been closed without my permission or intent and I received no notice or explanation of this closing. Again, I called Capital One on XX/XX/XXXX - the representative stated I would hear back within 5 business days, saying he will try to call me by XXXX XX/XX/XXXX with an update and he could clearly see I filled the requirements for the bonus and could not see a reason I didn't receive it. He said since the account is now closed I would likely receive the bonus as a check in the mail or deposited into another CapitalOne account I have. The complaint was submitted under reference case # XXXX when the rep escalated it again to another tier. I received a secure message in late XXXX saying I did not get the bonus because I did not fulfill the requirements, however, each and every requirement was met that was outlined in the terms and conditions. I replied asking which requirement was not met, and never heard back. Please provide a copy of the terms and conditions for the bonus, as I can prove with the account statements that each and every one was fulfilled and I am owed my {$600.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I bought a heater during ice storm in XX/XX/year>; went to XXXX XXXX and a very aggressive sales person almost insisted that I open a credit card to make the purchase. She offered me a significant discount to buy the heater on the card and did not seem to want to take no for an answer. Told her I did not need another credit card and she said " well, buy it on the card and pay it off next month, but that way, you get the discount. '' Tired of the interaction, I agreed. I got a card in the mail. It only had the last four digits XXXX on the card. After many tries to reach the company through Comenity Bank, I could not pay my bill as I had no card or statement showing the full account number, which is required to pay over the phone. I finally got a human who took my payment then promised to mail me a new replacement card with the complete account number ; I never received it. She promised me a paper statement too, which I did receive and it already had a late fee of {$30.00} on it. I tried to call multiple times to dispute this with XXXX 's credit card company but without an account number, it is very difficult to speak with anyone, which appears to be strategically and deliberately that way. I called again today and asked for a supervisor. It took almost 15 minutes on hold only to be disconnected again. I can not get this resolved so I am reaching out to CFPB for assistance. I want to get the late fee off my account, pay the actual balance due and close this account forever. I never want to deal with XXXX XXXX again and I will never shop there again. BIG MISTAKE! Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 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: PA

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: VA

Complaint narrative:
On XXXX XXXX paid {$3900.00} out of my XXXX account to a person named, XXXX XXXX XXXX I do not know this person. I did not initiate or authorize XXXX to pay this person. I did not receive any goods or services from this person. I contacted XXXX and told them this was fraudulent activity on my account. They investigated and notified me that they found that this activity was not fraudulent. XXXX proceeded to send me email and texts telling me I had a negative balance on my account and to pay that amount. They attempted to retrieve that money from my bank account, but my bank denied the transaction. On XX/XX/year> I received a letter from American Coradius International LLC stating that they were trying to collect the {$3900.00} from me. I have filed a complaint to the Attorney General of Virginia Consumer Protection Center, a complaint to IC3 and an Identity Theft Report to Federal Trade Commission. A couple of days ago, I received an email from XXXX stating that I deleted my phone number from my account, which I did not. I immediately changed my XXXX password for the 2nd time since this all started. Note : My XXXX account 's last name is under my maiden name, " XXXX ''. I have since gotten married and my current last name is " XXXX ''. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
FINAL NOTICE OF DISPUTE DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED ACCOUNT To Whom It May Concern, This is a FINAL NOTICE regarding the reporting of an unverified and inaccurate account on my credit report.without providing any competent evidence that this debt is valid or that I am legally obligated to pay it. I have previously disputed this matter and requested proper validation. You have failed to provide any such documentation, yet you continue to report this account. Your actions constitute a clear violation of the Fair Credit Reporting Act ( FCRA ). You are required by law to verify the accuracy of any information you report. Reporting unverifiable data is not only negligentit may be considered willful noncompliance. Let me be absolutely clear : If you can not produce verifiable evidence of this debtincluding a signed agreement, complete account history, and proof of my legal responsibilitythis account must be deleted immediately. I am demanding the following : * Immediate reinvestigation of this account; * Full validation documentation provided to me ; or * Permanent deletion of this account from my credit report without delay. Failure to comply within the legally mandated 30-day period will result in immediate escalation. I will file formal complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission, and I will pursue legal action for all damages resulting from your failure to comply with federal law, including statutory and punitive damages where applicable. This is not a request. It is a demand for compliance with federal law. Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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