vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a US Bank XXXX XXXX XXXX credit card. This account had XXXX rewards points. There is clearly an option to redeem these rewards on XXXX and XXXX that is listed on the US Bank website and app. When I add this account to XXXX, it does not show any option to redeem points, unlike all my other US Bank credit cards, which show that option. When I add this account to XXXX, it gives me an error saying the rewards account could not be enrolled. All my other US Bank cards work without issue. If I redeem these points for a statement credit or gift card through the US Bank app or website, they are worth less than XXXXXXXX per point ( this is part of a no notice bait-and-switch US Bank did last year where they lowered the values of points ). The points used to be worth XXXX XXXX per point. On XXXX and XXXX redemption options, they are still worth XXXX XXXX per point so I want to use the points there, but they do not work. I called US bank and got transferred to 3 different representatives and spent 30 minutes on the phone. Nobody could resolve the issue. One representative claimed I need a minimum of XXXX points to redeem for anything, which is why my points were not working on XXXX and XXXX. On that phone call with her still on the line, I was able to redeem a {$10.00} XXXX XXXX XXXX XXXX for XXXX points, so she was clearly lying or misinformed. I have a recording of this phone call to prove this. This bank is completely incompetent and is not letting me redeem my points. My account still has XXXX points that I have now way of redeeming because they can not link the rewards to XXXX or XXXX. This issue has been ongoing since last year and I last noticed it several months ago. As far as I know, the option to redeem on XXXX and XXXX has never worked on this card, but works on all my other US Bank cards. At a minimum, it seems like false advertising to advertise a redemption option that doesn't work. The bait and switch of making points worth less than XXXX XXXX per point outside of XXXX and XXXX also seems like a fraud.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
XXXX XXXX executed a wrongful wage garnishment that concluded on my XX/XX/XXXX payment date, over a judgment that was fully satisfied on XXXX XXXX XXXX when it processed through my bank account. In XXXX, I paid the balance in full early via debit card. XXXX XXXX erroneously processed the entire payment twice. The initial full early payment of {$1000.00} processed through my bank on XX/XX/XXXX and the second full payment {$1100.00} processed on XX/XX/XXXX which had an additional claimed receipt fee added to it. Although they sent the initial payment of XXXX back a month later on XX/XX/XXXX, they kept the entire second full payment. They are misrepresenting a temporary bank dispute credit from XXXX XXXX to falsely claim that I still owed them a balance. They have committed billing fraud and illegal asset seizure, keeping both my XX/XX/XXXX payment and having garnished my wages from my XX/XX/XXXX payment date through my XX/XX/XXXX payment date. When contacting the company and the company 's representatives, providing my bank statements that shows this information, I was told that " because I paid through debit, I can not prove that's what the money was for, and that I should have paid through check ''. They still have not only my complete, full, early payment from XX/XX/XXXX, but have additionally garnished wages with a " Petition to make judgment executory and for garnishment '' stating " in the principal amount of XXXX together with interest, costs, and fees '' with " additional court costs, interest and attorney 's fees will be incurred as accrued each month '' signed on XXXX day of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
I paid off my XXXX account in XXXX before switching to a different wireless provider. As part of that process, the device had to be paid in full in order to be unlocked and eligible for use with another carrier. After satisfying the balance, the phone was unlocked and I successfully transferred my service. For that reason, I am confused as to why, several years later, there is now a claim that I still owe a remaining balance on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC Resurgent Capital Services PXXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Dispute and Request for Debt Validation Account Number : N/A Amount Disputed : {$460.00} To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account, which currently appears on my credit report. I do not recognize this debt, nor do I recognize LVNV Funding LLC as a creditor with whom I have ever done business. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request complete verification and validation of this alleged debt. Please provide me with the following documentation Verification of the exact amount of the alleged debt, including an itemized breakdown of any principal, interest, and fees. The name and address of the original creditor associated with this alleged account. Competent legal evidence showing that I entered into a contractual agreement with the original creditor. Proof that the statute of limitations to legally collect this debt through the court system has not expired. Complete documentation establishing your legal right and chain of ownership to collect this specific debt. Please be advised that this account is already marked as " disputed '' on my credit file. If you fail to provide sufficient legal validation within 30 days of receiving this letter, you must immediately cease all collection activities and instruct all credit reporting agencies to completely delete this tradeline from my credit reports. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have an XXXX Credit card from Chase. Then I decided to open a personal and business account with chase. When i went to the chase branch they told me that i already opened couple accounts already when I never did. They also said that i had an outstanding balance of {$90.00} from a checking account that was open back in XXXX. I never opened any other chase accounts other than my XXXX chase credit card. The address they had on file for those accounts was different so I've never noticed or got any mail regarding those accounts. I always check my credit score and never saw any negative or fraudulent impact on my credit score, so i never suspected that this happened back in XXXX. I'm now black listed to open a Chase checking account, I even paid the the {$90.00} balance left from the account that was fraudulently open so i can open a chase checking account. I also have a construction company and wanted to open a business account as well. I don't understand how I'm a victim of identify theft pay off the outstanding balance that they left and still be punished and blacklisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Information XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute and Request for Verification of XXXX Account To Whom It May Concern : I am writing to dispute the accuracy and completeness of the following account currently appearing on my Experian credit report : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Discharged Through XXXX XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that Experian conduct a reasonable investigation regarding this account and verify all information being reported. This account was discharged through XXXX XXXX XXXX. I specifically request that Experian verify and provide documentation supporting : The date of first delinquency associated with this account. The date the account first became late and was never again brought current. The accuracy of all payment history being reported. The balance, status, and remarks currently associated with this account. The identity of the furnisher that verified the account. If Experian can not provide competent evidence that the account is being reported accurately and completely, I request that the account be deleted from my credit file pursuant to the Fair Credit Reporting Act. Additionally, please provide : The method of verification used during your investigation. The name, address, and telephone number of the party that verified the account. Copies of any records, documents, contracts, account statements, or electronic records relied upon to verify the account. The Date of First Delinquency used to determine the reporting period for this account. If the account can not be fully verified as accurate, complete, and legally reportable, I request that it be permanently removed from my Experian credit report. Please provide me with the results of your investigation and an updated copy of my credit report upon completion of your review. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of SSN : 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 non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received an offer from credit one for their card. I accepted and created my account on Thursday, XX/XX/year> at XXXX XXXX and updated my information. By Wednesday, XX/XX/year> at XXXX XXXX some of my personal info was changed without my knowledge. by this point I no longer had access to the account. Monday, XX/XX/year> at XXXX XXXX my email was changed and I had no more notification of account activity. I realized this happened on XX/XX/year> and called their support team reporting that my account had been stolen and to close it. They DID close it but in the credit report completely omitted the reason being that it was hijacked. This was a security issue on their end, they are the reason I had to close the account. They have acknowledged the suspicious activity multiple times yet left the mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: IA

Complaint narrative:
XXXX charged off my account on XX/XX/year> to the collection agency named January. They have 5 days according to the FDCPA to send a letter of verification so I may dispute it if I choose to do so. Today I received an email from USPS showing my mail which included a picture of what I am assuming is a verification letter from January yet this letter is 7 months late. This strips me of my 30 day dispute if I choose to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am requesting that XXXX XXXX immediately cease all communication with me concerning the account listed above. This request is made pursuant to the Fair Debt Collection Practices Act. Future contact should be limited only to communications specifically permitted by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX RE : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am requesting that XXXX XXXX immediately cease all communication with me concerning the account listed above. This request is made pursuant to the Fair Debt Collection Practices Act. Future contact should be limited only to communications specifically permitted by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America account was hacked by a check sent to XXXX XXXX that they never received. Check pay to was erased and a lady name was entered and the {$3300.00} check was forged and cashed.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This collection account from XXXX XXXX XXXX was previously deleted from my Experian credit file after dispute/investigation on XX/XX/year> experience sent me a new alert stating the account was flagged as collection again I did not receive proper notice of reinsertion and I dispute the accuracy and legality of this re-reporting I am requesting 1 immediate investigation of the reinsertion/re-reporting 2 verification of the debt and the authority to report 3 removal if the furnisher can not fully verify accuracy and copies of any documentation used to justify reinsertion of previously deleted information I have attached screenshots showing the prior selection/history and the new Experian alert

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 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint narrative:
The company that buys the debts keeps calling without being the owner of the original debt, violating the 15 USC privacy law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Was told to make a payment for a service via XXXX, the scammer knew that there account is setup in a region where there is no pop up when sending them money for " friends or family '' or service. It just sent the money, party received, confirmed it was for the service, and then couldn't render the service. I disputed this with American Express and was told because I used XXXX and send friends and family, they wont even review my dispute documentation that I have additional which clearly shows the party directing me to send payment for service. It's unreasonable to protect scammers that use the litigation in there favor and credit card companies wont even review the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I am filing this complaint against Glasser & Glasser , P.L.C., regarding its efforts to collect and continue reporting an alleged debt associated with account number ending in XXXX. On XX/XX/year>, I sent Glasser & Glasser a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). In that letter, I requested information and documentation to help me determine whether the debt is valid and whether the company has the legal authority to collect it. Specifically, I asked for a payment history, the name and address of the original creditor, a copy of the original signed agreement, information regarding any insurance claims related to the account, and documentation showing the chain of ownership or assignment of the debt. I also requested that the collection activity be suspended until the requested validation was provided. After receiving no adequate validation, I sent a second letter on XX/XX/year>, directing Glasser & Glasser to cease and desist from further communication regarding this alleged debt. Despite my requests, the company continues to report this account on my credit reports. I consider ongoing credit reporting to be a form of collection activity and communication. To date, Glasser & Glasser has not provided sufficient documentation to validate the debt or demonstrate its legal right to collect it. As a consumer, I believe I have made reasonable efforts to obtain verification of this alleged debt. Yet, I have not received the information necessary to confirm its accuracy or legitimacy. I am requesting that Glasser & Glasser remove the account from all consumer reporting agencies. I have attached copies of my debt validation request and cease-and-desist letter for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against PayPal regarding the permanent limitation of my PayPal account and the freezing of my funds without sufficient explanation or proper review. Recently, I used my PayPal account for several normal transactions. Shortly afterward, PayPal suddenly limited my account and then permanently banned it. At the same time, my funds were frozen. I believe this action was unreasonable and unfair. Before permanently limiting my account, PayPal informed me that my account would go through a manual review process. After I submitted all the requested documents and information, PayPal again stated that the review would be completed within one business day through manual verification. However, after waiting, the result appeared to be generated automatically by their system rather than through any actual human review. My account was permanently limited immediately afterward without any meaningful communication, explanation, or evidence provided to me. I attempted to contact PayPal multiple times to seek clarification and resolve the issue. Unfortunately, PayPal representatives were unable to provide any reliable or valid evidence showing that I violated any policy. They also could not confirm that a genuine manual review had taken place. I am extremely dissatisfied with the way PayPal handled this matter. The company froze my funds and permanently restricted my account without transparency, sufficient evidence, or fair review procedures. I believe this treatment has seriously affected my rights and caused unnecessary financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am requesting an investigation into the reporting of collection accounts by Jefferson Capital Systems on my XXXX credit report. The accounts being reported include : * Jefferson Capital Systems / Original Creditor : XXXX * Jefferson Capital Systems / Original Creditor : XXXX I dispute the completeness and accuracy of the information being reported and request that the furnishers and credit reporting agencies conduct a reasonable investigation pursuant to the Fair Credit Reporting Act. Specifically, I request : 1. Verification of the original creditor information. 2. Verification of the amount claimed to be owed. 3. Verification of the date of first delinquency. 4. Verification of the chain of assignment or ownership of the debt. 5. Documentation showing that the furnisher has sufficient records to accurately report this account. If the information can not be fully verified, I request correction or deletion of the account pursuant to the Fair Credit Reporting Act. I further request that the furnisher provide all documentation relied upon in verifying the account and that the credit reporting agencies disclose the method of verification used during their investigation.

Company response to consumer: Closed with non-monetary relief