vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the debt collection practices of Midland Credit Management and their reporting of two accounts on my credit reports. I have contacted Midland Credit Management multiple times regarding these accounts. On one account I have spoken with representatives approximately five times, and on the second account approximately twelve times. During these conversations, I repeatedly requested documentation to validate the alleged debts. Specifically, I requested the following information : Proof that Midland Credit Management has legal ownership of the accounts Full validation of the debt Documentation verifying the dates being reported to the credit bureaus A complete chain of ownership showing how the account was transferred or sold to Midland Credit Management These requests were most recently made in XX/XX/year>, and previously in XX/XX/year> and XX/XX/year> for both accounts. Despite multiple requests across these dates, Midland Credit Management has failed to provide any of the requested documentation. I have also disputed these accounts directly with the credit bureaus ; however, the accounts remain on my credit reports without Midland providing proper verification or documentation. Additionally, I attempted to file complaints through the XXXX XXXX XXXX, but due to restrictions associated with Midland Credit Managements XXXX p rofile, the complaints were not successfully delivered. Midland Credit Managements failure to provide proper debt validation and documentation raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Given the circumstances, I respectfully request the following : A formal investigation into Midland Credit Managements reporting and collection practices regarding these accounts. Immediate removal of these accounts from all credit bureaus unless Midland can provide full and proper documentation validating the debts. Assurance that these accounts are not transferred or reassigned to any affiliated or related entities for continued reporting or collection. Thank you for your time and attention to this matter. I appreciate your assistance in ensuring that consumer credit reporting laws are properly followed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: DISCOVER BANK
State: AZ

Complaint narrative:
Hello, On XX/XX/year> Discover credit card. I am trying to redeem my rewards on my Discover Credit Card as " cash '' as a direct deposit ( dd ) to my checking account. I linked my checking account to do so. ( XXXX Checking account ) When I went to redeem the rewards as a dd to the account, that choice was " gray, '' i.e. not a choice. The only choice available under " cash '' was statement credit. I called customer service, they said they could see the linked bank account, but it was ineligible. Customer service stated that they can not tell why certain bank accounts are " not eligible, '' but said it had to do with security to ensure that the rewards are not redeemed by anyone but the credit card/bank account owner. I escalated to a Supervisor who said the same thing and assured me that my feedback would be heard. ( hilarious ) I unlinked the account and re-linked it. Same outcome. I then linked a 2nd checking account, ( XXXX XXXX XXXX XXXX XXXX ) and it too was gray, i.e. ineligible. NOTE : When I linked my two bank accounts to my Discover Card ( which required me to input routing numbers and account numbers ), there was no security step to verify that those accounts were mine. This did not seem normal to me because every time I have linked my bank account to a credit card, there has always been a security step in between inputting my bank account information and actually linking it to the credit card to verify the bank account. I have no other bank accounts to link to the credit card to receive the cash rewards that I have earned by using the Discover card. Discover states that the consumer can receive their rewards as cash ( as well as other options ), but due to this mysterious " ineligibility '' of my bank accounts, I am unable to redeem my earned rewards as cash. Discover by not enabling me to redeem my rewards as cash is in effect forcing me to spend my money using its card and therefore making money off of me using the card. That Discover can not explain why a linked account is showing as ineligible is unacceptable. That Discover does not provide an alternate way to redeem the rewards as cash when this happens is unacceptable. This leaves the consumer powerless and at the whim of the credit card company with no recourse.... other than here ( Thank goodness for this agency. ) and the XXXX XXXX XXXX. The company is not upholding their agreement that the consumer can redeem their reward as cash. I have attached two screenshots from my Discover App. 1. rewards redeem screen with " gray '' direct deposit choice 2. that there are to linked bank accounts I appreciate all the help you can give me! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint about incorrect and unverified information on my consumer credit reports from XXXX, Equifax , and XXXX. Several accounts, collections, and hard inquiries listed on my reports are unauthorized and I did not open or benefit from them. These entries are harming my credit profile and hindering my access to financial services. Several items on my report date from XXXX to XXXX, including negative accounts, collection accounts, closed accounts with derogatory remarks, and hard inquiries I never authorized. I have already disputed these with the credit bureaus, requesting corrections, but they have not been properly reinvestigated or removed. I suspect these inaccuracies stem from data breaches and credit reporting failures that exposed personal info and led to fraudulent or mistaken reports. To protect myself, I have reviewed my credit reports, filed disputes with supporting documents, and submitted an Identity Theft Report to the Federal Trade Commission. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies must perform reasonable reinvestigations of disputed data and remove any unverified information. Moreover, under 15 U.S.C. 1681c-2 ( Section 605B ), information linked to identity theft should be blocked from reporting upon submission of an Identity Theft Report. The agencies, however, have not fully adhered to these regulations. I am requesting that the credit bureaus : Investigate all disputed items for accuracy and verification. Remove all inaccurate, unverifiable, or fraudulent negative accounts, collections, closed accounts, and hard inquiries. Provide updated credit reports reflecting the corrections. These inaccuracies are negatively impacting my financial stability and my chances of securing housing and credit. I kindly ask the CFPB to investigate these violations and ensure that the bureaus follow federal law by correcting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Chrysler Capital ( Santander XXXX XXXX XXXX has failed to provide the New Jersey Motor Vehicle Commission ( MVC ) with the required lienholder documentation needed to register my vehicle. I still owe money on the loan, and I understand the lien remains active. However, even with an active lien, the lienholder is legally required to provide the title or electronic lien information to the state so the vehicle can be registered. I have contacted XXXX XXXX multiple times and have received inconsistent and inaccurate information. The MVC has confirmed they have not received any lienholder documentation. As a result, I am unable to register my vehicle and risk penalties for operating an unregistered vehicle. I am an active-duty service member, and this delay is causing significant hardship. I am requesting that the CFPB compel Chrysler Capital to immediately send the required lien/title information to the NJ MVC .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Few years ago, I did loan modification with SELENE FINANCE LLC. I made successfully 3 trial payments and 3 regular payment. When I try to made the 7th payment bank was refuse to take my payment beacuse they were saying they did not receive my original documents and I had fedex the documents to the bank. NOW, they r try to foreclose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Below is what I sent to JP Morgan Chase : I am writing to formally document and escalate an experience I had on XX/XX/year>, at the Chase branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX where I was refused service for a time-sensitive wire transfer associated with a scheduled commercial real estate closing. I arrived at the branch that morning to initiate a wire transfer required for a XXXX XXXX closing. Despite providing all required information and completing the necessary steps to initiate the transaction, I was informed that the wire could not be processed and that I would need to wait until the next business day. No compliance issue, hold, or regulatory concern was identified as the reason for the refusal. Given the urgency of the transaction and the significant financial risk associated with missing the closing, I repeatedly requested escalation. I was told there was nothing the branch could do, even after internal confirmation that the funds were available and not subject to any compliance review. I subsequently spent over an hour speaking with multiple Chase representatives, all of whom indicated they did not understand why the branch was denying service and advised me to visit another Chase location. At the direction of customer care, I went to another Chase branch on XXXX XXXX, less than XXXX miles away, where the same wire transaction was approved and completed in under XXXX minutes. I was explicitly told at that branch that there was no legitimate reason the transaction could not have been processed earlier that morning. Based on the totality of this experience, I am concerned that the refusal at the XXXX XXXX branch was improper, inconsistent, and handled without appropriate transparency, particularly given the outcome at another Chase location the same day. Equally concerning was how the situation was handled. If the branch manager did not feel comfortable approving the transaction, that should have been communicated directly. Instead, I was allowed to continue escalating and repeatedly explaining the urgency and financial risk of the situation as a small business owner with a time-sensitive closing. The lack of clear communication caused significant distress during a moment when my livelihood was at stake. Accordingly, I am requesting a written explanation detailing the business reason for the refusal and delay. I would appreciate a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> Capital one agreed to settle a credit card debt of about {$4700.00} for about {$2600.00} after making the verbal contract on the phone they took {$1500.00} to begin the payment plan from my debit card, then all of a sudden when going to send email confirmation to me to confirm the payment plan they said they couldnt do it anymore. Now they are saying they cant agree to the settlement anymore because its being handled by a law firm and thats a breach of the verbal contract we agreed to over the phone. I have phone recordings of this process. I would just like my debt resolved for the agreed settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Focus : Financial product misrepresentation and poor customer service resolution. Subject : Formal Complaint against Bilt Technologies , Inc. regarding Rewards Miscalculation and Inaccessible Support Description of Incident : I am writing to file a formal complaint against Bilt Technologies , Inc. regarding a failure to honor advertised promotional rewards on my XX/XX/year> statement. During this period, I made a housing-related payment of {$9000.00} and an additional {$6800.00} in everyday expenditures. According to Bilts specific rewards rules ( specifically regarding bonus point multipliers ), I was entitled to an additional XXXX points. However, Bilt credited my account with only XXXX points. Furthermore, I have attempted to resolve this through Bilts customer service channels for multiple hours. I was repeatedly trapped in an automated voice loop and connected to an AI chat system that claimed it did not have the technical capability to view my billing statement. This represents a total failure of consumer support and a breach of the terms of service regarding rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I deposited my check on XX/XX/year> for {$570.00} through my mobile app. on the XXXX they made an adjustment on my account for {$570.00} stating that the funds were deposited twice. My bank statement as well as my online account shows that i only had the funds deposited once. i have called XXXX different times by myself and also with a consultant at the PNC branch regarding this and filed several disputes. Yesterday on XX/XX/XXXX the PNC Consultant filed a formal complaint because he was also being told the wrong information. I have showed them proof that i did not receive the funds twice and its still not resolved. Everytime i call i get hung up on or given a factious name. i didnt get a check last week beause my account was negative for no reason. i would like to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
b"I submitted a XX/XX/XXXXbut I later changed my mind. But doing the process cards were discharged so I wasn't able to make payments now they are showing late payments. Also I'm disputing Inquires on allXX/XX/XXXX bureaus. This compliant is for Transunion for the bankruptcy andXX/XX/XXXX Inquires that I have no idea about. Thank you kindly\nXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a longstanding customer of Truist Bank ( formerly Suntrust ). I've had a personal checking and savings account with them for almost 20 years. I have opened two small business accounts with them over the past 10 years. My home mortgage is also with them. The account in question is a small business checking account ( ending in XXXX ) which I opened on XX/XX/XXXX. This is a start up business account which maintains a relatively low balance ( compared to the much larger balances I maintain on the personal banking side with Truist ). I often have to transfer money into this business checking from my personal accounts in order to cover business expenses. For this reason, I explicitly asked to have overdraft protection set up for this account ( when I set up the account in XX/XX/XXXX ). Apparently this did not happen because I received a {$36.00} overdraft fee on my account on XX/XX/XXXX. The account had been overdrawn by {$17.00} and I immediately transferred funds to cover this when I received the alert, In spite of this being my first offense, Truist customer service claims they are unable to reverse the charge, even as a one time courtesy and that a " computer makes the decision '', not a human. I find this ridiculous and not at all the industry norm when I do a simple XXXX search. The Supervisor I spoke with was immediately able to link my business credit card to the account as overdraft protection in the future. This proves the point that the original setup request was not executed at the time the account was established. Had the account been set up in accordance with the instructions provided when it was opened, this overdraft fee would not have occurred. Most importantly, my relationship with Truist extends well beyond this single business account. My mortgage with them is in excellent standing and I maintain significant balances on the personal banking side, with no history of overdraft issues there either. I believe it has become their policy to blame things on a computer so that they can charge these fees with no exceptions even for extenuating circumstances. I don't feel that anything about this fee was fair and I find it unacceptable that there is no human at Truist who can take a look at the situation and have the authority to waive a one time fee. I will be taking my banking elsewhere if they do not resolve this but I am trying to avoid that hassle and give then the opportunity to show that they value their most loyal customers. Thank you

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 2026-03-05 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: EQUIFAX, INC.
State: NC

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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-03-05 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: NC

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have filed a complaint with the Federal Trade Commission and a complaint with my State Attorney General regarding Jefferson Capital Systems after researching this company and discovering numerous reports of illegal collection practices. I believe I am a victim of these practices. First, I do not recognize or have knowledge of this alleged debt that Jefferson Capital claims I owe. I requested proper debt validation well over 90 days ago and have requested this documentation multiple times. To this date, Jefferson Capital has failed to provide any documentation that meets the legal standard of validation required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I never received the required initial written notice of the alleged debt prior to it being placed on my credit report. Under federal law, debt collectors must provide written notice within five days of initial contact containing the amount of the debt, the name of the creditor, and notice of the consumers right to dispute the debt. I have also been receiving excessive and harassing phone calls from Jefferson Capital regarding this alleged account. During one of these phone calls, a representative threatened legal action if I did not immediately pay the debt. I have since learned that threatening legal action without proper authority or intent is prohibited under the FDCPA. Despite my written request for validation, Jefferson Capital continues collection activity and continues reporting this account on my credit report without providing the legally required documentation.

Company response to consumer: Closed with explanation