vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has fail to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the Proof of licensing to collect debt in my state ; XXXX. XXXX bond information ( if required by law in your jurisdiction ). 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calend
ar days, I will proceed with legal action against your agency under 15 U.S.C.

1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), t ' Federal Trade Commission ( FTC ), and my State Attorney General, a pursue civil litigation. 
Sincerely, XXXX XXXX XXXX CC : [ XXXX ] Enclosures : [ Previous dispute letter, return receipt, etc. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} This account is reported as charged off with a XXXX balance. I dispute the accuracy of this reporting and request verification. If Equifax can not verify that this account is being reported correctly, it should be corrected or removed. 

Credit Inquiries The following inquiries appear on my Equifax report, and I do not recall authorizing all of them : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify that each inquiry was made with a permissible purpose. Any inquiry that can not be verified should be removed. 

Late Payment XXXX XXXX  Account # : XXXX I dispute the accuracy of the late payment being reported on this account. I am requesting verification of the payment history. If it can not be verified, it should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: FL

Complaint narrative:
Company : Credit Saint Credit Repair Issue : Credit repair services/ Refund dispute / Misrepresentation of services Complaint Description : In XX/XX/XXXX, I enrolled with Credit Saint Credit Repair after being told they would assist in removing late payments from my credit report that occurred in XXXX due to a documented financial hardship. This was the primary and specific reason I contacted the company. Based on these representations, I enrolled in their most expensive plan. 

Over approximately XXXX months, I paid a total of {$730.00}. During this time, no late payments were removed from my credit report. The late payments remain reported today on my credit history. 

When I contacted Credit Saint multiple times to inquire about the lack of results, I was repeatedly told that my credit had improved. However, the improvement they referenced was due to my own efforts. I personally reduced my credit card utilization from approximately XXXX XXXX to XXXX XXXX, which is what caused the score increase not Credit Saints actions.

Additionally, Credit Saint claimed they were responsible for a negative item being removed by XXXXXXXX XXXX This statement is false. I personally worked directly with XXXXXXXX XXXX, provided all documentation they requested, and resolved the issue independently. Credit Saint did not perform this work but took credit for it.

Credit Saint has a refund policy that allows a refund if no results are achieved within XXXX XXXX. Before the XXXX period ended, I contacted them to report no results. I was instructed by their representatives to wait the fulXXXX XXXX XXXX After the XXXX XXXX passed and there were still no results, I contacted them again and was told I needed to wait an additional XXXX days because the credit bureaus were paying attention to my case. 

I relied on these instructions and continued waiting only because Credit Saint told me to do so. No results were ever achieved. When I later requested a refund, Credit Saint denied it, stating that I failed to request the refund within XXXX  days even though they instructed me to wait beyond that period. 

After informing them that I intended to file a complaint with the CFPB, Credit Saint closed my account immediately. All calls were conducted by phone, and Credit Saint has confirmed that all calls are recorded, which will reflect the instructions I was given to wait.

I believe Credit Saint : Failed to provide the services promised Misrepresented credit improvements that they did not cause Took credit for work they did not perform Used deceptive refund practices by instructing me to delay and then denying a refund Charged premium fees without delivering results Resolution Requested : Full refund of {$730.00} Written explanation for the denial of a refund despite documented instructions to wait Confirmation that my account is closed with no further charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InvestiNet LLC
State: NJ

Complaint narrative:
This company, before verifying my identity, provided a social security number through text message correspondence. 

I believe this is an egregious breach of privacy. Companies should not be providing social security numbers through the phone. This is the text message in question : " I'd be happy to assist you. 
Could you confirm if this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and last XXXX SSN ends in XXXX XXXX XXXX XXXX XXXX  Private information has been censored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/2025 I submitted a Debt validation letter to Midland Credit Management. As of today, i have not receive any response from the company. They are reporting to my credit but can not validate the debt. I have request that they stop reporting to my credit, and it is still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Financial Institution : Capital One Case / Reference Number : XXXX I am a Capital One credit card customer requesting regulatory review of Capital Ones handling of a Goods Not as Described billing dispute related to a purchase of a XXXX XXXX from XXXX XXXX. 

Capital One initially denied my dispute citing missing information and helpfully provided a checklist of required documentation. I reopened the dispute and submitted all requested materials, including : - Photographs of physical damage to the item received - Photographs documenting undisclosed software/billing restrictions - Photographs showing discrepancies between the online listing and the item received ( i.e no damage ) - Documentation of my communications with the merchant ( or lack of as XXXX XXXX XXXX not respond over the holidays ). 

- XXXX correspondence confirming they could not assist due to the open card dispute - A detailed, signed, and dated timeline letter summarizing the transaction and dispute history Despite submitting all requested documentation, Capital One has repeatedly closed the dispute with the same template form letters stating that I did not provide the required information. These closures do not identify which specific element is allegedly missing, nor do they provide any substantive explanation or mapping to the applicable card network dispute requirements despite requesting they do so. 

I have appealed the decision multiple times, and each appeal has been closed without meaningful review or clarification. As a result, I have been unable to understand or correct any alleged deficiency in my submission to correct it. 

I am requesting that Capital One be required to : Provide a written explanation identifying exactly which required documentation is missing, mapped to the applicable card network reason code ; or Reopen and properly adjudicate the dispute based on the evidence already submitted. 

Additionally, I am requesting appropriate resolution of the disputed transaction, either through issuance of a credit for the disputed amount or facilitation of return of the item to the merchant for a full refund. 

I am filing this complaint because Capital Ones repeated closure of the dispute without identifying missing information or providing substantive review appears inconsistent with fair dispute-handling practices and has left me substantially out of pocket on an item I can not use. As an act of good-faith I've tried to raise this via Capital One via email usually dozens of publicly available addresses however the emails bounced back/ went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX between XXXX and received federal loans from Navient. I suffered damage to my credit score, hassling calls, and misguided information on re-payment plans. Navient was found out to be negligent. I want to ensure I was apart of the cohort that received benefits from the judgement against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Hello, I had a Citibank strata credit card account. 

Today, I received an email saying that citibank closed my account. Upon closing the account, my rewards were taken away. 

Upon calling to attempt to get the rewards back, I was told that the only way that could occur was for them to first reopen the account, which required a pull on my credit report. They refused to tell me if it was a hard pull or a soft pull, so I did not consent to the pull. 

At this time, they have left XXXX XXXX for me to get my rewards points, which are valued at several hundreds of dollars. 

The account was closed without my getting notice. The representative claimed that I was sent letters and emails, and they say that the most recent email was dated XX/XX/year>. Upon checking my email, I got no such email on that date, though there was an email from citi saying my statement was available on an adjacent day. 

Having my rewards taken without getting succicient notice or XXXX XXXX to reclaim them is not fair, and I'm seeking access to my rewards. 

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 2026-01-20 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: TN

Complaint narrative:
I am submitting this complaint due to repeated procedural failures by American Express in handling a billing dispute involving a misrepresented travel booking. 

On XX/XX/year>, two charges were posted from the same booking with XXXX XXXX XXXX in the amounts of {$3500.00} and {$660.00}. Both charges were authorized based on the same material misrepresentation at the time of sale : the property was marketed as a XXXX XXXX XXXX hotel, which it was not. 

The booking was marketed, confirmed, and paid for through XXXXXXXX XXXX XXXX XXXX, who acted as the selling agent for the merchant, including processing payment on the merchants behalf using my American Express card. 

American Express reviewed the dispute and ultimately credited the {$3500.00} charge under the dispute category XXXX Not as XXXX. However, despite identical facts, identical documentation, and the same transaction context, American Express repeatedly rebilled the {$660.00} charge. 

The explanation provided for rebilling the smaller charge relied on the merchants assertion that the issue should be resolved with the travel agent, even though the dispute concerns a material misrepresentation at the time of sale and had already been resolved differently for the related charge. 

I repeatedly requested senior-level review, submitted written documentation, uploaded XXXX XXXX XXXX, and made multiple follow-up calls. I was explicitly told that escalation had occurred. Despite this, the dispute continued to be processed througXXXX XXXX XXXX XXXX  resulting in repeated form responses that did not address the inconsistency or the substance of my requests. 

This complaint is not about a disagreement on the facts. It concerns American Expresss failure to apply a consistent dispute determination to two charges arising from the same misrepresented transaction and its failure to provide the senior-level review that was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I called the Wells Fargo customer service team to report the issue that the {$270.00} transaction from XX/XX/year>, on my credit card account did not earn the 2 % rewards. I informed the team that this transaction was in the same category with many transactions I made before, which all earned the 2 % reward, and the only reason why this specific transaction did not earn the 2 % could be that my account was replaced with a new one when I reported my credit card as missing on that same day. The Wells Fargo team looked into this issue and informed me that this transaction was not eligible for the 2 % reward. I called in again, both on XX/XX/XXXX and XXXX, to provide more information on the case, but they told me they have closed the case and there is nothing else they would do to investigate further.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America regarding unfair and improper charges on my credit card account. 

I opened a secured credit card and paid a {$200.00} security deposit, which is clearly reflected in my account statement. The account was closed in XXXX, yet my {$200.00} security deposit was never returned. 

Despite this, Bank of America has now claimed that the card was not secured, directly contradicting their own written statements. 

Additionally, Bank of America charged {$260.00} in late fees. These fees resulted from the banks own administrative errors and mishandling of my secured deposit, not from any failure on my part. Charging late fees under these circumstances is unfair and improper. 

I am requesting : 1 ) Immediate return of my {$200.00} security deposit.

2 ) Full reversal and removal of the {$260.00} in late fees.

3 ) A written explanation detailing how these charges were justified. 

I have been attempting to resolve this issue since XXXX with no resolution.

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 2026-01-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinve tigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
WHAT HAPPENED : I proactively reached out to Big Picture Loans on XX/XX/XXXX to request a legitimate hardship settlement due to a reduction in my work hours and my inability to continue making {$340.00} bi-weekly payments. In that same email, I revoked XXXX authorization and clearly stated that all communication must remain in writing. 

Big Picture Loans acknowledged the XXXX revocation, which shows they received and read my message, but they completely ignored my hardship settlement request. Instead, they sent a non-responsive email suggesting a {$25.00} partial payment that does not reduce the balance, does not reflect a hardship review, and does not address the purpose of my request. 

I sent a second follow-up email restating that I needed a written hardship settlement review not a deferral, not a delay, and not a partial payment tactic. I provided a clear deadline of Tuesday, XX/XX/XXXX for a proper written response. 

As of the date of this complaint, Big Picture Loans has failed to provide any written settlement review, failed to acknowledge my hardship request, and failed to respond by the deadline. Their refusal to evaluate a legitimate hardship request and reliance on scripted, non-responsive messages has left me without any meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: OH

Complaint narrative:
Opened a credit card with US Bank on an XXXX month 0 % APR promo. Before the end of the promotional period, I paid off the balance. I also executed a 0 % APR balance transfer the same cycle. My payoff of the expiring promo balance was applied to the new XXXX balance. Thus, my {$7500.00} original promo balance expired the interest free time period and began generating finance charges. It's my understanding, according the card act of 2009, that payments above min-pay must be applied to the expiring promo balances FIRST during the last XXXX cycles of the promo period. I've discussed this at length with US bank representatives and have been told that's not how their payment processing system works. It's my belief this is an illegal processing routine and now I'm unable to recoup the finance charges, nor am I able to avoid future finance charges without paying my balance in full. I was also told by XXXX of the representatives that they process payments against XXXX first instead of higher APR transactions, which I also believe is illegal. Thus, I can't use my card until the promo balance is paid in full. I'm a transactor credit card user and do not let balances revolve unless they are explicitly 0 % APR so I'm fairly upset with this situation.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief