vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MO

Complaint narrative:
My XXXX payments ( {$870.00} ) are deposited on the first of the month. I moved to a new apartment on XX/XX/XXXX and had to report my XXXX XXXX card stolen. I am now being evicted because I have been unable to access my payments since then. I have called XXXX XXXX repeatedly and am just told they can't verify my identity even after emailing them my state ID, birth certificate, social security card, and marriage certificate. I was told twice to go to the social security office and am getting the runaround between social security and XXXX XXXX as they both say the other is responsible for having my money sent back to social security. I went to the social security office on XX/XX/XXXX and XX/XX/XXXX. I now have a bank account to deposit my XXXX money into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a savings account after visiting Hancock Whitneys website and discovering a promotion for {$200.00} if you meet their requirements. This promo offer was then emailed to me from Hancock Whitney on XX/XX/XXXX along with a reminder email on XX/XX/XXXX, with promo code XXXX. The terms of the offer were Receive a {$200.00} bonus when you open a XXXX XXXX account by XX/XX/XXXX, deposit {$10000.00} or more by XX/XX/XXXX, and maintain the balance through XX/XX/XXXX I opened a savings account on XX/XX/XXXX and made a XXXX deposit on XX/XX/XXXX and did not receive the {$200.00} promo by XX/XX/XXXX as stated in the promo terms. When I called the bank to let them know they first stated the promotion was targeted and I was not included but this was never stated on their website or in the offer that they actually emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Date : ___________ XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems , LLC RE : Account Number : XXXX Original Creditor : XXXX To Whom It May Concern, This letter serves as a formal notice that I am disputing the above referenced account that your company is reporting on my credit file. I have no knowledge of this alleged debt and I have not had service with XXXX for several years. Your reporting of this account appears to be inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act. Under my rights pursuant to the FDCPA 809 and FCRA 611, I am requesting full validation of this alleged debt. You must provide the following documentation : A copy of the original signed contract or service agreement bearing my signature Complete billing history from the original creditor The date of first delinquency for this account Documentation showing your legal authority and chain of assignment to collect this alleged debt Proof that Jefferson Capital Systems has the right to report this account to the credit bureaus Until this debt is properly validated, you must immediately cease all collection activity and reporting of this account to any credit reporting agency. If you can not provide the requested documentation, you must immediately delete this account from all credit reporting agencies in accordance with the Fair Credit Reporting Act. Failure to comply with this request will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and the Florida Attorney General for reporting unverified information. I expect a written response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I made a purchase thru cash app/XXXX XXXX to XXXX XXXX. Cancelled said purchase same day, in 2 hours. Cash app refuses to release my funds for 2 weeks. They continue lying saying its stuck, but I contacted XXXX XXXX, and XXXX XXXX! Both of which say and have documented that they do not have my funds. Over XXXX dollars, & it still says pending but It should not, because I cancelled right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My wallet was stolen with the credit card back in XXXX. I was unable to get access to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint against Capital One for deceptive payment allocation practices regarding a cash advance. On XX/XX/XXXX, I took a {$2000.00} cash advance. Between XX/XX/XXXX and XX/XX/XXXX, I made five payments totaling {$2000.00} - an amount specifically intended to clear the principal and fees of that cash advance immediately. However, because Capital One has set my Purchase APR and Cash Advance APR to be identical, they exploited a loophole in the Credit CARD Act of XXXX. Instead of applying my payments to the high-risk cash advance balance as a reasonable consumer would expect, they diverted the funds to my existing purchase balance. As a result, four months later, my account still shows as {$1800.00} cash advance principal despite my payments of over {$2100.00} toward this card since the transaction. This has caused an unfair " interest trap '' totaling over {$200.00} in charges on a debt that I technically paid in full within three 16 days of the transaction. I believe this " same-APR '' allocation method is a deceptive practice designed to maximize interest by preventing the closure of cash advance balances and stripping away the interest-free grace period for all other purchases. I am seeking a {$150.00} credit to offset the unfair interest accrued and continues to accrue due to this allocation choice. I also request that my Cash Advance principal be manually reset to {$0.00} and that my purchase grace period be restored immediately upon my upcoming full payment of the remaining balance. In my original complaint about this issue with Capital One, I had offered to pay off my entire balance of {$4000.00} if they would provide a one-time courtesy credit of {$100.00} to offset the interest charged as a result of the " same-APR '' allocation choice. They declined my request. I intended to pay off my entire balance in a gesture of good-faith and Capital One refused. I have been a good customer over the years, despite one late payment in recent months as due to a mishap surrounding this situation and a hiccup with auto-pay. I feel it necessary to mention that the allocation distribution is not explained in the card agreement or on any statements. I will attach copies of my statements for this credit card from XXXX through XXXX, which include the " interest charge calculation '' section.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is currently obstructing my ability to locate over {$6000.00} in missing funds. On multiple occasions, I have requested the 15-digit ACH Trace IDs for payments made to XXXX XXXX XXXX Bank of America representatives have provided false information, while claiming these permanent Federal Reserve records are 'removed ' or 'deleted ', and have ignored formal written requests for this data. Under Regulation E, I am entitled to the documentation the bank uses to verify these transfers. By withholding the Trace IDs, Bank of America is preventing me from proving delivery to the receiving bank. I request that the CFPB compel Bank of Americas XXXX Department to produce the full ACH Trace Report immediately and investigate the systemic failure of their customer support team to provide standard banking records.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This complaint is being filed because National Credit Systems , Inc. continues to report and attempt to collect an alleged debt despite admitting that it can not even locate an account associated with me. In response to my previous CFPB complaint, the company stated that it was unable to locate any account with the information provided. If the company can not identify or locate an account associated with me, then it logically can not validate the alleged debt or justify continued reporting or collection activity. For months I have repeatedly requested proper validation of this alleged debt. Instead of providing documentation establishing liability, the company has provided incomplete and generic documentation that does not establish that I owe the alleged balance. In its most recent response, the company went even further and stated it can not locate any account at all, which directly contradicts the continued reporting and collection attempts related to this account. Despite this admission, the account has not been properly resolved and there is still no documentation showing : A signed lease agreement or executed contract Proof that I opened or agreed to the alleged account A complete itemized balance or move-out accounting Documentation establishing the companys authority to collect Evidence supporting the accuracy of the credit reporting If the company can not identify the account or produce documentation verifying the debt, then continuing to report or attempt to collect it raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This complaint is not a duplicate complaint. It reflects a continuing failure to validate the debt and a contradictory response from the company that acknowledges it can not locate an account while the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I discovered a credit card account under my name that accumulated approximately {$8000.00} in charges. I never received the physical credit card and never had login access to the account. I did not authorize any of the transactions on this account. I contacted the bank to dispute the charges as soon as I became aware of the issue. I informed them that I never received the card and that the charges were not made by me. Despite disputing the account, the balance continued to grow and minimum payments were being charged. The bank has now filed a lawsuit against me for the balance even though I have explained that I did not open or use this account and never had possession of the card. I believe this account activity may be the result of fraud or identity theft. I am requesting that the company investigate this matter thoroughly, provide proof that I opened and used the account, and remove the fraudulent balance from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TN

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
A collection account from Harris & Harris was recently reported to my credit report alleging a {$320.00} debt to XXXX XXXX. I currently maintain an active XXXX account in good standing and have never received any written notice of a past due balance or collection related to XXXX. When attempting to verify my identity through the Harris & Harris payment portal, neither my current ZIP code nor my previous ZIP code were recognized, suggesting the identifying information associated with this alleged debt may be incorrect. Additionally, a collection call appears to have been made to a third-party relative regarding this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit card account with XXXX XXXX XXXX was unlawfully charged off at 60 days past due, which violates federal regulations. Under the XXXX XXXX XXXX XXXX ( XXXX ) rules for openend credit, credit unions are required to charge off credit card accounts no earlier than the end of the month in which the account reaches 180 days delinquent not 60 days. A XXXX chargeoff is only permitted when a borrower has filed bankruptcy, which does not apply to my situation. In addition, the NCUAs XXXX rule for overdrafts applies only to negative deposit accounts, not credit card accounts. Because XXXX reported a chargeoff at 60 days past due, this is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ) requirement that furnishers report only accurate and verifiable information to credit bureaus. I was also in contact with XXXX during this time and explained a financial hardship. Despite communicating and working with the credit union, they still reported the account as a chargeoff far earlier than federal law allows. They also had reported this charged off at 180 days for about 3 years and recently update it to reflect 60 days this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting on my credit report regarding the status of this account. The account is currently being reported in a manner that does not accurately reflect my responsibility and payment obligations. As of the date of this complaint, I remain responsible for making monthly payments on this account, and it is still active. However, the way this account is being reported suggests information that is incorrect and misleading. I have reviewed my credit report and noticed that the account status being reported does not properly reflect the current terms of the account. This isnt the first time this haves happened. I am still actively responsible for making payments and have continued to manage the account accordingly. The inaccurate reporting has negatively impacted my credit profile and does not provide a fair or accurate representation of the accounts true standing. I request that the company carefully review the reporting associated with this account and verify the accuracy of the information being furnished to the credit bureaus. If the information can not be verified as accurate and complete, I respectfully request that the account be removed entirely from my credit report. Alternatively, all negative or misleading reporting associated with this account should be corrected or removed immediately to reflect the true status of the account. I expect this matter to be investigated promptly in accordance with the Fair Credit Reporting Act and that the necessary corrections be made to ensure my credit file reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: HI

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America can informed me that suspicious fraud was on my account and has closed it. I have had Bank of America for XXXX years and there has been suspicious fraud on my account before and was never closed down. I had to contact BOA myself, not one person contacted me. I was told that the remaining funds will be sent via check to my home but only after I called BOA first. I am very upset that this is not the first time my account has been frauded against and why close the account now instead of investigating it.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief