vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 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:
To Whom It May Concern, I am submitting this formal complaint regarding a collection account being reported by Jefferson Capital Systems without legally sufficient proof that it owns, was assigned, or otherwise has authority to collect or report this alleged debt. 

Account Information Collection Agency : Jefferson Capital Systems Account Number : XXXX Original Creditor : XXXX XXXX Date Placed for Collection : XX/XX/XXXX Amount Allegedly Owed : {$2000.00} Portfolio Type : Collection Current Status : Placed for Collection Last Verified Date : XX/XX/XXXX Failure to Produce Required Assignment Contracts Jefferson Capital Systems is reporting this account as a collection obligation but has failed to provide competent evidence of legal assignment or ownership of this debt. 

Under federal law, a third-party debt collector must be able to demonstrate a complete chain of assignment from the original creditor to itself. This requires : A bill of sale, assignment agreement, or purchase contract Documentation that specifically identifies this consumers account Proof that Jefferson Capital Systems has the legal right to collect and furnish data A billing statement from the original creditor is NOT legally sufficient. 
Anyone can create or reproduce a billing statement. Such documents do not establish ownership, assignment, or authority and do not satisfy federal verification standards. 

Without assignment contracts, Jefferson Capital Systems has no permissible purpose to report this account. 

Fair Credit Reporting Act ( FCRA ) Violations By reporting this account without proof of legal assignment, Jefferson Capital Systems is violating multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate, incomplete, or materially misleading.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and verify legal authority after dispute.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 

Reporting a collection without proof of ownership is materially misleading and unlawful. 

Demand for Relief I hereby demand that Jefferson Capital Systems : Immediately delete this tradeline from all consumer reporting agencies, including XXXX XXXX, and XXXX. 

This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. 

Please provide a written response within the CFPBs required response timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I formally dispute the accuracy, completeness, and legal validity of the collection account reported by CREDIT MANAGEMENT COMPANY, last reported XXXX  XXXX, 2026, with an alleged balance of {$1700.00}. I do not acknowledge liability for this debt and request a reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. If this account is being reported based on a contract or agreement bearing my signature, you must provide a copy of the original signed instrument establishing my obligation. If the agreement was executed electronically, you must provide verifiable proof that the electronic signature complies with the Electronic Signatures in Global and National Commerce Act ( E-SIGN ), 15 U.S.C. 7001, and applicable state Uniform Electronic Transactions Act ( UETA ) provisions, including evidence of consumer consent to electronic records, authentication methods, timestamp data, IP/device logs, and a complete audit trail linking the signature to me. Absent competent documentation demonstrating a valid, enforceable obligation and lawful authority to report the account, the continued reporting of this collection constitutes inaccurate and misleading information under the FCRA. If you can not fully verify this account with admissible evidence, you are required to permanently delete this tradeline from my consumer report and notify me in writing of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
As documented in my previous complaint XXXX, which has just been closed, I have requested documentation that Synchrony Bank claims was sent to me prior to a CD being automatically renewed. In response to my complaint, Synchrony Bank shared a letter that stated the documentation requested was enclosed. It was not enclosed but the complaint was closed. I am requesting, yet again, a copy of the letter that the Bank has stated I was sent prior to the CD automatic renewal. I was also told that an email should have been sent. I am requesting also a copy of the email as well. I will reiterate, I received neither letter or email prior to the CD being automatically renewed.

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 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received a " Right to Cure '' notice from Upstart/XXXX that is facially deceptive under 15 U.S.C. 1692e. The notice identifies XXXX XXXX XXXX as the " Current Creditor '' while simultaneously stating the debt was " purchased from XXXX. '' XXXX. Refusal to provide Chain of Title : > I have requested proof of the " Chain of Custody '' for this account in the past. Previous collectors contracted by XXXXUpstart were unable to provide it and subsequently closed their files. Upstart/Alliant continues to provide only " boilerplate '' account summaries that do not address the legal transfer of ownership. A printout of my original contract and payment history is not proof that the current entity has the legal standing to collect after a sale has occurred.

2. Failure to Provide Statutory Disclosures : > The Feb 5th notice is a collection communication, yet it fails to include the mandatory " Mini-Miranda '' disclosure required by 15 U.S.C. 1692e ( 11 ) ( identifying the sender as a debt collector ). It also failed to provide the required Regulation F ( 12 CFR 1006.34 ) validation information.

3. Attempt to Evade Standing Requirements : > I believe the company is intentionally using a " hybrid '' name ( UPSTART/XXXX  ) on my credit report to hide a broken chain of title between the original creditor and a third-party securitization trust ( e.g., XXXX or XXXX ) XXXX none of which are licensed lenders in Texas. 
Desired Resolution : I do not accept a boilerplate account statement as validation. I demand : An executed Bill of Sale and Assignment of Debt showing the transfer of my specific account number from XXXX to the current owner. 
Removal of the " UPSTART/XXXX  '' entry from my credit report as it is a deceptive representation of a non-existent legal entity. 
Permanent cessation of collection activity if the specific Assignment of Debt can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On the later part of last year I had life threatening illness that still has not been resolved. My policy with XXXX XXXX XXXX was canceled after my hospitalization. There was no concern since my policy was scheduled to renew that month. I did NOT renew and it canceled due to my 2 month stay in the ICU. In XXXX I got an alert from a collections agency stating I owed {$190.00}. After calling XXXX to have this investigated since I did not renew this policy I was informed that there is a balance and not to worry as this was a medical circumstance and to just pay and they'll inform this company to remove this collection. I have been a customer with XXXX for almost 10 yrs till this point on and off. With active policies paid in full today so I was confident they would remove as stated. I tried reaching out to Caine & Weiner in regard to the removal with no response. Only to see that my credit report was updated to {$0.00} but settled at a lesser amount. This is absolutely NOT true. This company is reporting incorrect information that should have been remove per XXXX request. These are unscrupulous practices that will have customers taking their business elsewhere. My score dropped XXXX points because I went into XXXX XXXX and XXXX failed to specify if this was a current balance or a renewal. This is the thanks and understanding I get for being a loyal customer. To this day Caine & Weiner has NOT removed this from my credit report. And the information reported is INCORRECT. I am pleading to have this rectified, there was no neglect to pay a bill since I currently have thousands of dollars with this company currently no delinquency. This has been a nightmare at best and its my word against theirs. I DO NOT OWE XXXX XXXX any balances and I DID NOT settle for less of the amount owed. Please have this false information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: KS

Complaint narrative:
I signed the agreement to make monthly payments as I lost my job. Told them I got a new job and get paid on a certain date and they agreed and when I went to pay on the day I told them they already sent it over to collections and backed out on the agreement. When I found out I called the credit company XXXX Bank and asked what was going on and why did they send it to collections they said I didnt make the payment. I told them to look back on the conversation and notes on the account that I spoke when someone and it was agreed to pay on the set date. They said they cant go back and fix it now and that I will have to deal with the credit company they sent it to. This is not fair when I was working on paying it with them and my first credit card and lost my job which I told them and set the agreement up.

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of America and an unresolved ATM cash deposit error that is causing immediate financial hardship to my family. 

Institution : Bank of America XXXX of Incident : XX/XX/year> Claim Number : XXXX Account Ending : XXXX On XX/XX/year>, my wife, XXXX XXXX, and I made a cash deposit into a Bank of America ATM. The deposit was time-sensitive and intended to prevent shutoff of our electric service. 

The ATM retained ( ate ) the cash deposit. We immediately filed a claim and were informed that resolution may take XX/XX/1045 days before funds are credited. 

This delay places us at risk of electric service disconnection. If our service is shut off, we have been informed that a cumulative balance of {$7500.00} must be paid in full before service can be restored. This balance accumulated during a XXXX hospital stay for our family, and we have been making consistent payments toward it since that time. 

Despite clearly explaining the urgency and hardship, Bank of America representatives declined to provide provisional credit. During escalation, a supervisor refused to answer a direct question about customer protection in such circumstances and disconnected the call. 

This is not an isolated issue. We have experienced repeated operational and service-related issues with Bank of America in the past, including delays and inconsistent handling of time-sensitive matters. There appears to be a broader pattern of inadequate customer protection and resolution practices. 

We respectfully request : XXXX. Immediate provisional credit for the retained ATM deposit. 
XXXX. Assurance that any fees, penalties, service interruption costs, or negative reporting resulting from this delay will be covered. 
XXXX. Investigation into Bank of Americas ATM cash deposit handling timelines ( XX/XX/1045 days ). 
XXXX Review of supervisory conduct and escalation procedures. 

We deposited physical cash into a Bank of America ATM in good faith. The current process shifts all risk to the consumer while the institution retains control of the funds. 

This delay is causing substantial hardship and potential consequential damages. 

We respectfully request regulatory review and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Arizona

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
It's very simple. When you buy a plane ticket and pay for luggage, delivering the luggage without stealing destroying or losing it is part of the contract. My luggage was destroyed. By international law the airline is responsible for this, but also by basic contract law. Part of what I paid for was to deliver the luggage to the final destination undamaged. They failed. The credit card company illegally charged me for the service that was never completed. 

The airline tried to replace the name brand designer luggage with some cheap XXXX XXXX type luggage in horendous colors instead of paying for this. When I pointed out this is not in accordance with teh law, the refused to rectify this. The credit card company colluded with the airline to make me pay for this illegal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting this complaint regarding an alleged debt being collected by IQ Data XXXX XXXX XXXX on behalf of XXXX XXXX. I never received the written debt validation notice required by the Fair Debt Collection Practices Act ( FDCPA ) within five days of the collection agencys initial communication. Because this notice was never provided, I was denied my legally protected 30-day opportunity to dispute the alleged debt. On XX/XX/year>, I contacted IQ Data XXXX XXXX XXXX by phone to dispute this alleged debt. During the call, the representative was rude and unprofessional, raised their voice at me, refused to provide assistance, and ultimately disconnected the call while I was attempting to dispute the account. I was not allowed to complete my dispute or receive any information regarding the alleged debt. To date, no validation of the debt has been provided, including a signed lease, an itemized ledger, or a final move-out statement. Despite this, collection activity has continued. I am requesting that the collection agency be required to provide proof that a validation notice was properly sent, full documentation of the alleged debt, and proof of their legal authority to collect. If they are unable to provide this information, I request that the account be removed from all consumer reporting agencies and that all collection activity cease. This complaint is submitted due to violations of the FDCPA, including failure to provide required validation notice, failure to properly honor a dispute, and abusive and unprofessional conduct during a collection call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
XX/XX/XXXXOn XX/XX/XXXX, 2026, Remitly canceled XX/XX/XXXX of my international money transfers and immediately suspended my account without a specific explanationXX/XX/XXXXThe transactions involved areXX/XX/XXXXReference XX/XX/XXXX for XX/XX/XXXX USDXX/XX/XXXXReference XX/XX/XXXXfor XX/XX/XXXXUSD.XX/XX/XXXXThe company sent me an official email on that same date stating that my transfers were canceled due to "activity inconsistent with the User Agreement" and explicitly promised that "Refunds for canceled transfers are typically issued within XX/XX/XXXX business days if the payment method was charged.XX/XX/XXXXAs of today,XX/XX/XXXX2026, more than XX/XX/XXXXbusiness days have passed, and the total amount of XX/XX/XXXX USD has not been returned to my bank account. My bank confirms there are no pending credits or incoming refunds from Remitly. Since my account is suspended, I have no way to track the funds within their platform, and the company has failed to provide any proof of the refund, such as anXX/XX/XXXX (Acquirer Reference Number) or Trace IDXX/XX/XXXXI am requesting that Remitly immediately complete the refund of myXX/XX/XXXX USD or provide the valid banking trace numbers to locate my funds.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
After receiving an email from Nelnet about my payment being past due, I contacted their customer service number listed on their website ( XXXX ) on XXXX  and spoke with an agent who confirmed that my account is in deferment and that I do not owe anything at this time ; my first payment will be required XXXX XXXX I thanked the woman for her help and disconnected the call, assuming there was some sort of mistake with the email I received. Two days later on XXXX  I received an email notifying me of my credit report having an account reported as delinquent. I logged in to my XXXX credit account to find the account reported as delinquent was my Nelnet account. I logged in to my Nelnet account online and everything looked normal. Everything was in the green and said no payment due at this time, payments will begin XXXX XXXX. I emailed their customer service a second time and was once again assured that no payment was owed on my account at this time. Two days later on XXXX I received notification from my XXXX credit account again, stating that my credit score had decreased by XXXX points this month due to my Nelnet account being reported as delinquent. From all of the information I have access to everything shows I do not owe any payments to Nelnet at this time. My account is falsely being reported as delinquent and it is negatively impacting my credit health and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a collection account reported by LVNV Funding LLC. 

The account is reported as : - Debt Buyer - Date Opened : XXXX XXXX 2020 - Original Creditor : XXXX XXXX XXXX / Synchrony - Balance : {$1100.00} - Status : Collection account, past due as of XX/XX/XXXX Despite the account being marked as disputed, I have not been provided sufficient documentation validating the alleged debt. The reporting continues to negatively impact my credit profile without adequate verification. 

I am requesting that LVNV Funding LLC : - Provide competent evidence of the original contractual obligation. 
- Provide documentation demonstrating lawful assignment and legal standing. 
- Provide a detailed accounting of the balance. 
- Confirm the date of first delinquency. 
- Correct or delete any inaccurate reporting. 

If this debt can not be substantiated with proper documentation, it should be removed from all credit reporting agencies immediately. 

I request a prompt investigation and written response resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: TX

Complaint narrative:
They have closed my account due to the fraudulent r charges they closed my account saying that I reported fraudulent charges that were not fraudulent that I had had an authorized. So I peeled it and have been appealing it for months they closed my cash up through the fact but now they have reopened it and said that they had resolved the issue in our back to being able to use my cash at fully with no restrictions so if that is the case then means I was proving right and they were fraudulent charges but yet still have not received no funds back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My Apple Cash account was restricted and upon calling, I was partnered with a new hire with an inability to give me the information I was seeking. I was told there was no specific reason and my account was permanently banned.

Company response to consumer: Closed with explanation