vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Dear Customer Service, I am writing to formally dispute the terms applied to my Frontier Airlines credit card account. At the time of application, the promotional materials clearly stated that I would receive XXXX bonus miles after spending {$1000.00} and that the card would have a {$0.00} introductory annual fee. I applied for the card based specifically on these advertised terms and have fulfilled the required {$1000.00} spending threshold. However, I was subsequently awarded only XXXX miles and charged a {$99.00} annual fee. These terms do not reflect the promotional offer under which I applied. I have documentation of the original advertisement and proof that I met the spending requirement. I respectfully request that the original promotional terms be honored by : Crediting the remaining bonus miles to reach the promised XXXX miles. Reversing the {$99.00} annual fee in accordance with the advertised {$0.00} introductory annual fee. Please review my account and advise on the timeline for correcting this matter. I trust this issue can be resolved promptly and professionally. Thank you for your immediate attention. Sincerely, 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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have formally disputed the continued reporting of the above-referenced XXXX XXXX XXXX account on my TransUnion credit file. This account was recently investigated by XXXX XXXX which determined the information was unverifiable and subsequently DELETED the item from my credit file ( see attached XXXX Dispute Results dated. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to maintain a high standard of accuracy. The fact that one major bureau has already deemed this specific data unverifiable while TransUnion continues to report it creates a gross material inconsistency in my credit profile. Furthermore, the debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX. sent me a formal notice on XX/XX/year>, stating they were " UNABLE TO VALIDATE " my claim regarding this account. Despite their own admission of an inability to validate, they appear to have verified the account to TransUnion. This is a direct violation of FCRA 623, which prohibits furnishers from providing information they know or have reasonable cause to believe is inaccurate. Demand for Action : I demand that this collection immediately be deleted Please send me an updated copy of my credit report once the deletion is complete. Sincerely, XXXX XXXX Enclosures : Copy of XXXX XXXX XXXX letter stating they were " UNABLE TO VALIDATE

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
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
On XX/XX/XXXX I made a XXXX gift card purchase of {$470.00} using my Target Credit Card. It was emailed to my aunt as a gift, and I made sure to verify the email address was correct. She confirmed she did not receive the gift card having checked spam folders as well. I chatted Target on XX/XX/XXXX and I was assured it would be sent to her again. I asked if it could be sent to me instead but I was told since it is a " 3rd party gift card '' it would have to be sent to the original email. Stil not received. On or around XX/XX/XXXX i called, a case was opened, and I was assured it was sent and that I would receive a confirmation as well. Neither was received. I opened a dispute twice with Target because their dispute acknowledgement letters give no reasoning as to why they are closing the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
b'[XXXX XXXX]\n[XXXX XXXX XXXX]\n[XXXX XXXX XXXX]\n[XXXX]\n[XXXX XXXX]\n[XXXX]\n\n[Affirm Inc]\n[XXXX XXXX XXXX XXXX XXXX XXXX XXXX]\n[XXXX XXXX XXXX XXXX]\n\nRe: Account Number: Invalid\n\nTo Whom It May Concern,\n\nI am writing in response to your recent communication regarding the alleged debt referenced above.\n\nThis letter serves as a formal request for validation of this debt. Under my rights as a consumer, I am requesting that you provide proper verification of this alleged obligation. Specifically, please provide:\n\n1. The name and address of the original creditor.\n2. The amount of the alleged debt and an itemized breakdown of all fees, interest, and charges.\n3. Copies of any contracts, agreements, or documents bearing my signature that show I am legally obligated to pay this debt.\n4. Proof that your company is licensed and authorized to collect debts in my state.\n5. Proof that this debt has been legally assigned or sold to your company.\n\nAdditionally, this letter serves as a formal **Cease and Desist** request. I am requesting that you cease all telephone calls and electronic communications to me regarding this matter. All further communication must be made in writing and sent to the mailing address listed above.\n\nIf you are unable to provide proper validation of this debt, you must cease collection efforts and remove any negative reporting associated with this account from my consumer credit reports.\n\nPlease note that any continued collection activity without proper validation, or any communication that violates my rights, will be documented and may be reported to the appropriate regulatory authorities.\n\nThis is not a refusal to pay. This is a request for proof of the alleged debt.\n\nSincerely,XXXX XXXXXXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSO/XXXX XXXXXXXX XXXX - XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
I am formally disputing the following information on my Equifax credit report, which I believe is inaccurate or incomplete : Charged-Off Accounts Account Name Account Number Date Opened Balance XXXX XXXX XXXX XX/XX/year> {$360.00} Late Payments Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Issue Category : Problem with a loan or lease Sub-category : Billing dispute / Calculating the balance Complaint Description : I am filing this complaint against [ Company Name : Santander XXXX XXXX XXXX XXXX ] due to an unexplained discrepancy in my loan balance and the company 's failure to provide a transparent payoff process. On [ Date of Transaction ], the XXXX XXXX XXXX ( XXXX ) payoff amount was verified at {$24000.00}. However, [ Company Name ] is reporting a balance of {$25000.00}, reflecting an unexplained difference of {$230.00}. Despite my requests, the company has failed to provide a written itemized breakdown ( inclusive of interest, fees, or other charges ) to justify this overcharge. Furthermore, I have attempted to pay off the loan in full, but the companys systems/representatives have made it impossible to obtain a certified payoff and settle the debt. Additionally, I am attempting to pay off this loan in full but have been unable to do so through your standard portal. I request an official 10-day Payoff Statement and a secure method to remit these funds immediately to close this account. I paid XXXX online when filiing complain and sent check for remianing amount to get rid from these company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: LA

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 2026-03-02 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: Global Tel*Link Corporation

Complaint narrative:
I am filing this formal complaint against XXXX XXXX ( XXXX ) regarding my account registered under the email XXXX. Since XXXX, my account has been placed under an 'Anti-Fraud XXXX XXXX after XXXX deposits were made within a XXXX period. As a result, not only are my funds frozen, but my access to my approved contacts has also been blocked, preventing any essential communication. I have already provided all requested KYC ( Know Your Customer ) documents, including my government-issued ID and bank statements. I want to clarify that all XXXX payments have already been fully cleared and debited from my bank account. The funds are currently held by XXXX, but the company is refusing to provide the service, release the hold, or restore access to my contacts. I have attempted to contact customer support multiple times via phone and email ( as shown in the attached screenshots ), but I only receive automated responses or remain on hold indefinitely. I do NOT want a refund or a chargeback, as I need to maintain my communication through the XXXX platform. I am requesting an immediate manual review of my documents, the release of my account, and the unblocking of my contacts so I can access the credits I already paid for and resume my communications. Holding my funds and blocking my contacts without providing a resolution timeline is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing an additional complaint because Wells Fargo has mishandled my fraud case, failed to take responsibility for their employees misrepresentation, and caused me significant financial and emotional harm. On XX/XX/XXXX, I went into the Wells Fargo Branch in XXXX , CO, to deposit a cashier 's check into my business account in the amount of {$35000.00}. The bank employee called the bank that issued the cashier 's check and confirmed the funds were available. I waited until the following business day, XX/XX/XXXX to wire out funds per my contract with this client. I made ( 2 ) wires that day to whom I thought was a contracted party part of this remodel. The total of wires was {$15000.00}. Later on this same day, the check was returned as unpaid " alter/fictious wire '' and forced my overdraft into a - {$12000.00} on top of taking the remaining balance in my checking account. I immediately contacted the bank in hopes they could reverse the wire. They denied the request so on XX/XX/XXXX I filed a claim to dispute the branch for clearing the {$35000.00} check. They determined since I made the wire, they denied my claim and had nothing to do with it. Over the past 5 months, I have spent countless hours filing claims to not only Wells Fargo, but also filed with the police, IC3 and the state of Colorado Attorney General. Because of Wells Fargos actions or lack thereof, I was forced to take out a loan to make payments on money that was never mine. I never approved my overdraft protection to be pulled and I have suffered significant overdraft balances, fees, and high interest charges, tied to a situation I would never have been in if the bank had provided accurate information. I have complied with every request, submitted all documentation, and repeatedly asked for an executive-level review, but Wells Fargo continues to route my case through standard fraud channels that ignore the employees misrepresentation. I am disheartened and emotionally exhausted by how Wells Fargo has treated me. I have been a loyal customer and trusted them for over 10 years since I first started my business in XXXX of XXXX. Instead of protecting me as a customer, they abandoned me, blamed me, and left me with debt for a situation their own employee caused. I am requesting the CFPBs assistance to compel Wells Fargo to : Conduct an executive-level UCC 4A negligence review Acknowledge the employees misrepresentation in writing Reverse all balances, fees, and interest tied to this incident Provide a complete written determination that addresses the facts of the case

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In 2025, I received a notice from XXXX XXXX claiming that I owed a judgement of over {$13000.00} in unpaid credit card debt. They were looking to utilize their third party law firm, Messerli & Kramer, to collect this debt. I had not utilized this card for many years, believing it to be lost and shut down, and had not received any notices from XXXX XXXX before this regarding collecting this debt. Oddly enough, this account does not show up on my credit report as well, further complicating matters. Upon receiving this notice, I looked into the claims and found that my XXXX XXXX card account had been hacked. I found multiple bank accounts from XXXX XXXX attached to the XXXX XXXX account ( I have never had any accounts at all with XXXX XXXX ). I also found multiple unauthorized payments from my XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) account to the credit card, which again I had not authorized. I contacted the credit union and they returned the unauthorized payments. XXXX XXXX did not claim any fraud from these events, but there was not contact from them from this event until last week. I received a notice of garnishment from my current primary bank, XXXX, and my checking and savings accounts were put on hold. I sent in notices for exemptions, as my family use many different assistance programs ( SNAP, Medical Assistance/MinnesotaCare, low income housing, etc. ). I also let the firm know that this is connected to fraudulent activity, and they were supposed to send me documents/statements from XXXX XXXX regarding the balances and charges. I still have not received these documents, and my family needs to get our money released so we can pay our bills and not end up more behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - CREDENCE RM - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
the first problem : back in XXXX of XXXX XXXXXXXX XXXX change to Four Leaf Federal Credit Union but XXXX XXXX was still taking the money and not forwarding to Four Leaf. So Four Leaf threatened to put my house up for foreclosure for {$1100.00} I did tell them that I made payment for the three months they said missed XXXX thru XX/XX/year>, so I made an additional payment of {$1100.00} in I believe in XXXX of XXXX went through the channel to receive my back pay and still have not receive it yet. The second Problem : they said I don't carry XXXX XXXX XXXX, yes I do. But took out insurance when i already have some which its been eight months they have been taking out insurance on my house

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