vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My identity was taken over by an unauthorized user on XXXX XXXX. I was in XXXX XXXX on vacation at the time. The unauthorized user done a XXXX swap on my phone and hacked my banking. Credit cards, email and. Cell phone. I froze my credit with credit bureau and notify my card companies of fraud and identity take over I filed a claim with identity theft. Barleys bank is the only company that is disputing my identity take over and will not accept the charges on my account on XX/XX/XXXX a total of XXXX in total. I did not make these charges and will not be responsible to pay for charges that I didnt make. I want them to investigate the charges and see there is no way it was me. I can prove I was out of the country by airline tickets and passport stamps. Hotel reservations. I want Barklys bank to retract these fraudulent charges

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
its on my transactions missing numbers bad math late withdrawals and deposits

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I was just notified a month ago that there was going to be a balance of over {$3000.00} after my loan maturity date. I tried requesting the loan documents over calls with customer service and through their AI chatbot several times and every time they either ignored my request or just sent me a payment history document that I already had. I then sent a demand letter via certified mail on XX/XX/year> and gave them 14 days to respond. As of today, XX/XX/year>, I still have not received the requested loan documents that were signed when I purchased the car. I believe that this is a case of predatory lending. During the first 68 months of this XXXX term, I have already paid XXXX XXXXXXXX at over 23 XXXX interest, totaling to over {$40000.00} of payments on a principal loan of {$24000.00}. It is absolutely asinine and predatory that they are claiming I will still have a balance due at maturity date after XXXX payments of XXXX XXXXXXXX ( over {$45000.00} in payments ) on a {$24000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Hello- I would like to report the BMW financial services. They mislead us in oour financing deal 2 years ago by providing us inaccurate information which has now led to us paying {$4500.00} interest that we could have avoided if we were given the right information upfront. Attaching XXXX emails providing us with the customer loyalty offer. Please see below the details : We totaled our last BMW and after the insurance were given a XXXX XXXX XXXX XXXXredit towards buying another BMW. Monthly payment was {$840.00}. The requirement was we had to lease or finance the car with them. We ended up financing a used vehicle with them. During this time we called up and spoke to BMW financial atleast 3 times, when the car was totalled and at the time we were buying the car to make sure we understand how the credit will be used and even then we received different versions of how credit will be applied until we received the email. We were told on multiple occasions, the XXXX XXXX credit will be applied to the monthly payments until the full credit is used and ONLY THEN WILL THE ACCOUNT BE ELIGIBLE FOR PREPAYMENT. Our intention was to use up the XXXX XXXXXXXX credit and then pay off the car as we did not want to pay the 7.99 % interest. Upon the purchase, we started receiving monthly email from BMW financial as in line with our expectation as we had opted for email communication, in the email it showed me the balance I owed was a negative because of the credit. Every month the negative balance kept going down which to me indicated that the $ XXXX credit payments was being applied monthly which is what I was told upfront so expected. See attached examples. In XXXX finally I received the monthly statement which showed that I have a positive balance, which meant my credit has run out. Since I wanted to pay off my balance, I logged in to understand the process. They sent me the payoff information which said that the $ XXXX payment was applied as a XXXX time payment in XX/XX/year> and now to pay off the car, I need to pay the interest that I owe for the past 2 years plus the remaining balance. I feel they willingly held off the information that the payment was a XXXX time payment at the start because had I known that I would have paid off the car 2 years ago and not incurred this {$4500.00} interest. I have called BMW financial and they refuse to accept this issue and have basically said you have to pay no matter what. We advised them to pull up all the calls that came from our phone numbers but they refused as they had no records the account th because the account was not yet created and the didn't notate the prior account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I disputed this debt it was removed off of my credit I also filed a identity theft report with FTC and submitted it and they still added it back to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I was contacted through email by Align Balance stating I owed a debt to CashNet. The emails had gone to my spam folder. When I realized this, I replied back on XXXX to Align requesting validity of this debt they claim I owed and stating that all further correspondence be written and submitted through the United Postal Service. They responded on XXXX via email. They responded with a copy of a signed contract and payment transaction history. I responded back on XXXX, that I didn't receive all the information that I requested and included a copy of my validity letter and was promptly given a statement stating that the contract and account history is sufficient to verify this debt they claim i owe. The last time I heard from them was XXXX until I received an email from a XXXX XXXX stating a warrant is active for search and sieze and that under the FDCPA that I'm in violation XXXX defamation of character. This is not showing on my credit reports and I have no knowledge regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Investigation of Disputed Credit Reporting Information I am submitting this complaint regarding information that continues to be reported on my consumer credit reports despite my prior disputes. I dispute the accuracy, completeness, and verification of certain reported late-payment history and collection reporting. The accounts and reporting at issue include : XXXX XXXX reported late-payment history Self reported late-payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported late-payment history XXXXXXXX XXXX XXXXXXXX account reporting I previously disputed these items and remain concerned about the accuracy and verification of the information being furnished. I am requesting that the credit reporting agencies and furnishers conduct a reasonable investigation and ensure that all information reported complies with the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and the investigation requirements under 15 U.S.C. 1681i. I also request that any information that can not be verified, is incomplete, or is reported inaccurately be corrected or removed as required by applicable law. During portions of the reporting period, I experienced significant life circumstances, including incarceration and subsequent changes to my identifying and address information. Because of these circumstances, I am requesting careful review of the reporting and verification procedures used for these accounts. This reporting has negatively affected my ability to obtain credit and financing. I respectfully request a thorough review of my complaint and a written response explaining the results of the investigation. Thank you for your attention to this matter.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent Monterey Collections a written request for debt validation and a cease-and-desist communication notice. Despite receiving my request, Monterey Collections has continued to contact me by email over the past several months. I requested that Monterey Collections provide validation of the alleged debt and cease further communications with me as permitted under federal law. However, I continue to receive collection-related emails after my written notice was sent. As a result, I am requesting that this matter be investigated and that Monterey Collections provide evidence of compliance with my debt validation request and explain why collection communications continued after receipt of my cease-and-desist notice. I have retained copies of my correspondence and the subsequent emails received from Monterey Collections and can provide them upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
I disputed a XXXX XXXX collection account and the reporting is now inconsistent across the credit bureaus. The account has been deleted from XXXX, reports as closed with a {$0.00} balance on XXXX, and continues to report a balance on XXXX In addition, the XXXX reporting includes remarks indicating " Paid collection '' and " Settled less than full balance '' even though no payment was made to XXXX XXXX. I requested clarification regarding the current ownership, balance, and status of the account, but the information being reported remains inconsistent. I am concerned that inaccurate information is being furnished to the credit bureaus and would like the account investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit report with a balance of approximately {$2000.00}. I requested validation of this alleged debt and asked for documentation showing the original creditor, account history, amount owed, chain of ownership, and Midland Credit Managements authority to collect and report the debt. I have not been provided with sufficient documentation to verify the debt. Despite reporting this account to the credit bureaus, Midland has not provided the information necessary to confirm that the debt is accurate, valid, and legally collectible. I dispute the accuracy and completeness of the information being reported. I am requesting that Midland Credit Management provide proper validation of the debt or remove any inaccurate, incomplete, or unverifiable information from my credit reports. I also request that the account be marked as disputed while this matter is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Account XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that they allege originated from a Capital One account. I am requesting verification of the debt, including documentation supporting the balance being reported, proof that XXXX XXXX XXXX owns or has the authority to collect the debt, and documentation showing that I am responsible for the account. I have not received sufficient documentation validating the debt or explaining how the reported balance was calculated. Before resolving the account, I am requesting complete verification and supporting documentation to ensure that the information being reported is accurate. I am seeking CFPB assistance in obtaining proper validation and ensuring that all information being furnished to the credit reporting agencies is accurate and supported by documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
" Bread Financial explicitly told me my account was closed, but instead kept it active and 'frozen ' while quietly accumulating over {$500.00} in fees. Furthermore, representatives repeatedly threatened me over the phone that they were reporting late payments to the credit bureaus every month. Upon checking my credit reports, no such reporting exists. This is a deliberate use of false, deceptive, and misleading representations to collect a debt, violating the FDCPA and FCRA. I demand the entire $ XXXX balance be waived, the account be officially closed at a {$0.00} balance, a '' Bread Financial explicitly told me my account was closed, but instead kept it active and 'frozen ' while quietly accumulating over {$500.00} in fees. Furthermore, representatives repeatedly threatened me over the phone that they were reporting late payments to the credit bureaus every month. Upon checking my credit reports, no such reporting exists. This is a deliberate use of false, deceptive, and misleading representations to collect a debt, violating the FDCPA and FCRA. I demand the entire $ XXXX balance be waived, the account be officially closed at a {$0.00} balance, {$2500.00} for pain & suffering and a formal apology issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
am disputing a collection account being reported by LVNV Funding LLC. I have requested validation of this alleged debt and have not received sufficient documentation proving that LVNV Funding LLC owns the debt or has the legal right to collect and report it. LVNV Funding LLC is reporting a collection account with a balance of approximately {$4400.00} on my credit report. I dispute the accuracy and validity of this account. I have requested documentation showing the chain of ownership from the original creditor to LVNV Funding LLC, a copy of the original signed agreement, and documentation supporting the amount claimed to be owed. To date, LVNV Funding LLC has not provided adequate proof that I am legally obligated for this debt or that it has the legal authority to collect and report the account. I am requesting that LVNV Funding LLC provide complete validation of the debt, including proof of ownership and supporting documentation. If LVNV Funding LLC can not properly validate the debt, I request that the account be removed from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Communication / Request for Validation To Whom It May Concern : I am writing regarding any account that Portfolio Recovery Associates , LLC alleges is owed by me. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), I hereby demand that Portfolio Recovery Associates immediately cease and desist all communication with me regarding this alleged debt, except as permitted by law, including notification of specific legal action, if any, that you intend to take. Additionally, pursuant to XXXX XXXX. XXXX, I dispute the validity of this alleged debt and request that you provide competent evidence that I am legally obligated to pay it. Please provide the following : The name and address of the original creditor. A complete payment history on the account. A copy of any signed agreement or contract bearing my signature. Documentation showing Portfolio Recovery Associates ' legal ownership and assignment of the debt. The amount claimed, including an itemization of interest, fees, and charges. If you are reporting this account to any consumer reporting agency, I request that you mark the account as " disputed '' pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ). If you can not provide the requested documentation, I demand that you cease collection efforts and remove any inaccurate information that may be reported on my consumer credit reports. Be advised that any continued collection activity that violates the FDCPA may result in complaints being filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX California Attorney General 's Office Any other applicable regulatory authority Nothing in this letter shall be construed as an acknowledgment of liability for the alleged debt, nor as a waiver of any rights, remedies, or defenses available to me under federal or state law. Please confirm in writing that you have complied with this request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account that they allege originated from a XXXX XXXX account. I am requesting verification of the debt, including documentation supporting the balance being reported, proof that Portfolio Recovery Associates owns or has the authority to collect the debt, and documentation showing that I am responsible for the account. I have not received sufficient documentation validating the debt or explaining how the reported balance was calculated. Before resolving the account, I am requesting complete verification and supporting documentation to ensure that the information being reported is accurate. I am seeking CFPB assistance in obtaining proper validation and ensuring that all information being furnished to the credit reporting agencies is accurate and supported by documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
Subject : Urgent Escalation : Request for XXXX XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) In the last XX/XX/year>. I am writing to formally escalate an unassisted XXXX error made through my U.S. Bank account on XX/XX/year>. I mistakenly routed {$1000.00} to an incorrect telephone number : XXXX ( XXXX ), which is registered to a XXXX holder XXXX XXXX XXXX XXXX XXXX While I understand that XXXX transactions transfer instantly, the recipient has since disconnected his phone line to deliberately evade communication. This action indicates a clear intent to unlawfully retain funds that do not belong to him. I have officially filed a criminal report with the XXXX Police Department regarding this matter under Police Report # [ XXXX ]. Standard customer service has refused to act, by giving the reason that the receiver bank was not cooperative and refused to refund. I requested to US bank twice in the last XXXX weeks, to send me a copy of a written document as the evidence what steps they have taken and how they have done to contact and request the refund from the receiver bank, but I have not received the written document as they promised they will mail me XXXX. I am not asking US Bank to cover this financial loss. I am, however, formally requesting that XXXX Banks Fraud or XXXX department initiate a formal inter-bank recall or hold request to the specific receiving institution holding XXXX XXXX XXXX XXXX account. The receiving bank has a regulatory obligation to ensure their client is not using their platform for unjust enrichment or criminal conversion of mistakenly delivered fund. I expect U.S. Bank to utilize its back-channel communication network with the receiving bank to assist in freezing or recovering these funds. Sincerely, [ XXXX XXXX XXXX ].

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 non-monetary relief