vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In early XX/XX/XXXX I traveled to XXXX XXXX for several days before continuing on to XXXX / XXXX, then later XXXX. I was planning on using my Bank of America Alaska XXXX XXXX XXXX credit card for most of the trip. Here is a timeline of events : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was my first charge @ XXXX XXXX XXXX XXXX XXXX my XXXX charge @ XXXX XXXX XXXX These are the only XXXX charges I made in XXXX XXXX with the credit card in question. XXXX Unauthorized Only Fans charge of {$35.00} was made to card XXXX I fly from XXXX XXXX XXXX, then pick up a rental car for 6 days. I check into the XXXX XXXX XXXX. XXXX I make my first charge in the XXXX at a gas station. XXXX Unauthorized charge for {$880.00} is made to my card. In a place near XXXX XXXX called XXXX. This is a VERY high crime area, even by XXXX standards. I have never been to this area and I had never heard about it prior to this incident. Analysis with XXXX shows lots of financial crime taking place in this city as well. https : XXXX I used the card at various businesses from XX/XX/XXXX. All in XXXX XXXX Not XXXX XXXX area ) XXXX, XXXX, XXXX. XXXX After logging in online I realize my card has been compromised. I immediately locked my card then disputed the charges by phone call. The existing card # was canceled and a new one was issued. XXXX Only Fans reversed the {$35.00} charge ( Likely a test charge by the thieves ) XXXX My fraud claim was denied. Provisional credit reversed. XXXX -- -- -- -- -- -- -- I disputed the claim again ( For {$880.00} ) but it was denied again. I even faxed ( only method possible ) in documents showing I was NOT anywhere near the city where the fraudulent claim took place. As above there is even a charge on the XXXX from the XXXX, XXXX area ( Gas station ). The fradulent charge was made on the XXXX! I provided hotel & car rental receipts along with my flight ticket. XXXX -- -- -- -- -- -- I disputed the charge XXXX more times and re-faxed in certain proof. I also requested Bank of America provide me with the merchant proof they claim they have. I have never received anything. Both re-evaluations resulted in denial.

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 2026-03-06 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding an unresolved billing dispute involving my Target Credit Card account issued by TD Bank USA, XXXX. I returned merchandise purchased with my Target Credit Card to the retailer, XXXX. Instead of properly resolving the transaction through the credit card account, the return was initially processed as store credit rather than being applied to the original form of payment. I formally notified TD Bank of this billing dispute in writing by certified mail. The letter was delivered to the creditor ; however, TD Bank has failed to respond to my written dispute within the required timeframe. The Target Credit Card account has since been paid in full. XXXX XXXX XXXX has indicated that a refund will be issued to the credit card account, which would create a credit balance. Because the account has already been paid off and I intend to close the account, I am requesting that any credit balance be refunded directly to me rather than remaining on the account. My concerns are : TD Bank has failed to acknowledge or respond to my written billing dispute sent by certified mail. The transaction has not been properly resolved through the credit card account. I require confirmation that any credit balance resulting from the refund will be issued directly to me and that the account can be closed once the matter is resolved. I am requesting that TD Bank investigate this matter, correct the billing issue, issue any resulting credit balance refund to me, and confirm closure of the account once the balance is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Yes I filled a dispute for XXXX transactions and all XXXX of my transactions was ruled in my favor and my phone number and email was unlinked now I'm unable to access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marlette Funding, LLC
State: CO

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report that has not been validated. I have not received proof that they legally own this debt or that I am responsible for it. I am requesting immediate investigation and deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: FL

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
15 65c 1692 ( c ) c That law clearly states that if a consumer notifies a debt collector that refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Pulled a copy of credit report and found Jefferson Capital. I am unfamiliar with the debt. I have sent a certified letter requesting additional information to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My computer and smart phone were hacked on XXXX XXXX, XXXX. As a result the hacker attempted to intrude into my savings account and filed a fraudulent tax return using my social security number. I locked down my credit and credit card. After changing my passwords and contact information in most of my accounts I was unable to access my XXXX account since the hacker had control of that account and my old phone number. However I needed my credit card back on so I could pay bills. The credit card company assured me that my XXXX account would not have my new credit card information. I opened up a new credit card with the company and they immediately gave that credit card information to XXXX giving the hacker access to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding is showing up on my credit report. I am reaching out to verify this debt but I want to also send the information to the company verifying that I have also made a claim with you. I don't remember this debt and I don't remember taking out any type of loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CO

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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XX/XX/2025, Equifax XX/XX/2025 and XXXX XX/XX/2025 XXXX : {$2000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: PA

Complaint narrative:
I entered into an agreement to settle XXXX credit card accounts. XXXX are with the same company ( XXXX ). In the interim XXXX XXXX accounts went into ligation. XXXX XXXX accounts were settled in XXXX of XXXX and I was paying them back. XXXX of the accounts I received a settlement letter XX/XX/XXXX, and I signed and sent it back the same day. When I checked to see how much money I owed XXXX in XXXX a few months later, I saw that that XXXX account was still noted as unsettled and the rest were noted as settled. I called and asked why. They advised, after a long hold, that XXXX XXXX XXXX never sent back the final settlement letter. And that they are still negotiating. But in the meantime, they continued to debit my account with all associated fees. I continued to follow up monthly and lately biweekly requesting updates. They continued to advise that XXXX did not respond and that they are still negotiating. I paid off what I owed them XX/XX/XXXX and XXXX, with the exception of the XXXX debt that was unsettled. I continued to call back and request updates. After the last debit from my account of {$510.00} on XX/XX/XXXX I called and requested that they stop debiting my account until they have reached a settlement and they refused. I called XXXX XXXX XXXX myself and XXXX advised that XXXX did in fact receive a settlement from their office for the aforementioned account and XXXX received my acknowledgment and acceptance. And they sent back the form on XX/XX/XXXX. But XXXX never paid them the settlement. But did pay the other XXXX settlements. It is my belief that XXXX XXXX XXXX knowingly and intentionally did not update my account to settled so that they may continue to collect their fees each month. I believe they Committed Fraud as they took money and did not perform any services, and provided misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. Improper Deficiency Calculation ( Fla. Stat. 516.31 ) : XXXX XXXX notified me that the unit was sold at a private dealer auction for {$5700.00} and is attempting to hold me liable for a deficiency balance based on that sale price. This is a direct violation of Florida Statute 516.31 ( 3 ). Under this statute, a creditor in a consumer transaction is required to deduct the Fair Market Value ( FMV ) of the collateral from the unpaid balance, not the auction price. The statute explicitly states that periodically published trade estimates are the presumed FMV. According to XXXX XXXX ( XXXX XXXX ), the Average Retail value for this XXXX unit is {$8500.00}. XXXX is attempting to illegally collect a deficiency based on a price that is {$2900.00} below the statutory Fair Market Value. 2. Commercially Unreasonable Sale ( Fla. Stat. 679.610 ) : Florida law requires that every aspect of the disposition of collateral be " commercially reasonable. '' XXXX XXXX chose to dispose of a used-quality, near-brand-new XXXX watercraft with only XXXX hours of runtime by sending it to a private, dealer-only auction ( XXXX or similar ). By intentionally excluding the public and retail buyers, they guaranteed a wholesale return, resulting in a sale at roughly XXXX % of its recognized market value. Dumping a premium, high-demand consumer asset in a closed private auction at a massive discount is a textbook commercially unreasonable disposition under Fla. Stat . 679.610. 3. Bad Faith and Refusal to Communicate : I have made repeated attempts to resolve this issue and dispute the balance over the phone. XXXX XXXX has operated in bad faith by bouncing me between generic customer service departments, placing me on indefinite holds, and failing to provide a direct point of contact for the recovery or legal compliance departments. I have been promised call-backs regarding this dispute multiple times, and no one has ever reached out to me.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Finding my information was stolen and leaked via data breach, cyber incident, a detected security incident, and suspicious activity within a web application. The checking account that I had with XXXX XXXX was closed down due to fraudulent activity from a source I do not know of. At the time, I was only told that it appears someone was logging into my account from a completely different state. Now, still after all these years, it is being wrongfully held against me as I seek to establish good banking relationships. It is being reported in Early Warning Systems : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ID # XXXX ). I would like this information to be removed from Early Warning Services, that has what has been requested by XXXX XXXX in order for my account to be active with a reputable credit union. The account numbers ended in XXXX and XXXX. I have attached all documents proving these actions of theft as well as investigation results. I have also attached the closure letter from XXXX XXXX. Early Warning Services has issued a block due to the Identity Theft, but it simply is not helping. XXXX XXXX said the information would have to be removed and I do not see why it can't be. Please keep in mind FCRA 15 U.S.C. 1681c-2 and 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I demanded verifiable documented proof of the legality of the late payment report and the " charge-off '' applied to account number XXXX. You have responded with a bank statement, which does not comply with the legal requirements established in : 15 U.S.C. 1666b ( a ) : Requires that the creditor has sent or delivered a statement of account at least 21 days before the due date, and that said statement complies with the requirements of 1637 ( b ). In the absence of such evidence, I notify you that your attempt at validation is insufficient, incomplete and unacceptable under the FCRA and TILA, and constitutes a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: IL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: SD

Complaint narrative:
All my taxes refund got stolen from my credit karma account called filed a dispute they denied my dispute whoever took my money they hacked my account and took it from my virtual card they have on there and they took over {$4000.00} from me and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I already submitted a complaint ( Complaint ID : XXXX ). In their response, they stated that the remaining {$100.00} would be sent within XXXX business days. It has now been XXXX weeks since that response, and I have not yet received the payment.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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