vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing a complaint against * * Midland Credit Management * * and * * XXXX, XXXX XXXX XXXX, XXXX * * for improper and illegal debt collection practices. 

# # # * * Summary * * I reside in * * XXXX XXXX * *, yet XXXX, XXXX & XXXX filed a lawsuit against me in * * XXXX XXXX * *. This is a direct violation of * * FDCPA 1692i * *, which requires lawsuits to be filed in the county where the consumer resides or signed the contract. 

Additionally : * I was not properly served * Midland has failed to validate the debt * I have no proof of ownership, chain of assignment, or contract * Midland continues reporting to credit bureaus without verification # # # * * Violations * * The conduct violates : * FDCPA 1692i improper venue * FDCPA 1692g failure to validate * FDCPA 1692e misleading or false representations * FCRA 1681s-2 reporting unverified information # # # * * Requested Action * * I request that the Attorney General : * Investigate XXXX, XXXX & XXXX for improper venue * Require proof of service and venue justification * Hold Midland accountable for failing to validate the debt * Require immediate deletion of the unverified credit reporting * Enforce penalties for improper and deceptive practices Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My book bag was stolen from an XXXX  and my phone and everything was in it I had nothing and my account was overdrawn from the usage and I tried to tell them to dispute it and it was denied even after proof was shown

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
At approximately XXXX XXXX, I received a phone call from an individual claiming to be associated with the fraud investigation. During the call, the person reviewed multiple alleged charges, including transactions associated with XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I remained on the phone with this individual for approximately four ( 4 ) hours. 

During the call, the individual threatened and pressured me by stating this was part of an FBI investigation and that I needed to take immediate action. They instructed me to send money using XXXX XXXX XXXX, and XXXX XXXX, and they also requested my Social Security number. 

The individual then instructed me to go to PNC Bank and withdraw {$14000.00} in cash from an ATM. After withdrawing the funds, I was instructed to go to a XXXX XXXX ATM and deposit the cash using a code they provided. 

After this occurred, the individual attempted to call me again. I did not answer, and when I returned the call to two different phone numbers that had contacted me, both numbers had been disconnected. 

Based on these events, I believe I was the victim of a scam/fraud, and the instructions I was given resulted in a financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
{$2000.00} was deducted from my account. I filed a fraud claim with Bank of America. They reimburse me the money and did an investigation. The investigation is concluded and they are threatening to take the money back. The money was sent to an individual that I dont know and I never did business with. I told them its a {$2000.00} was deducted from my account. I filed a fraud claim with Bank of America. They reimburse me the money and did an investigation. They investigation is concluded and they are threatening to take the money back. The money was sent to an individual that I dont know and I never did business with. I told them its a complete fraud.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The return ultimately fell outside the 30-day return window due to my being out of the country for work. On XX/XX/year>, I contacted the merchant ( MNML ) to explain the situation and request guidance. The merchant responded in writing stating : Thanks for reaching out! We completely understand your situation. Just a quick note, our return labels do have an expiration date. If the label expires before youre able to use it, dont worry. Just contact us, and well provide another resolution for you. 

Relying on this communication, I continued coordinating with the merchant. On XX/XX/year>, the merchant requested photos of the item, which I provided the same day. The merchant stated they would review the photos and follow up. After that, the merchant stopped responding and did not provide any further resolution or instructions. 

Despite my good-faith reliance on the merchants written assurance and circumstances outside my control, Bank of America reversed the temporary credit citing a timeframe issue. I am requesting a re-review of the dispute and reinstatement of the credit.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone tried accessing my account so I called Capital One they put a lock on my account told me to get a new phone that I wouldn't that they would open up a new account when my next direct deposit hit from my XXXX well I got a new phone they completely closed the account out will not let me get back into it tell me it was a mismanagement on my part which it was not well I have called them just about every day for 2 months trying to get my money and I still have not gotten it they mailed a {$900.00} check to the wrong address even after repeating the address to me they still mailed it to the wrong address and now they said they can't do anything for me because they can't verify my identity but every time I have called before they have I still have not received this money I'm fixing to lose XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of this because of their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NJ

Complaint narrative:
Since XXXX  I have chosen to receive IRS tax refunds in the form of prepaid Netspend prepaid cards. I have not used those cards, received them multiple times over the years and there are thousands of dollars of tax refunds on those cards. 

My plan was to use those cards one day when needed. 
I just discovered that my netspend card can not be used because the account was closed. 
Closed why? due to inactivity, said their support representative. 
Can it be reopened, I asked their support. The answer is " no, it's the policy to close inactive cards ''. 
Where are the funds? I asked. The representative said they were sent back to the IRS. 
So far I could not verify from the IRS that those funds are back. 

I consider Netspend responsible for those funds. They refuse to reopen my account.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I walked into Golden1 Credit Union on XXXX XXXX XXXX, CA XXXX because I was having issues with my banking. They told me that my account was getting closed because of a charge off. They told me that I had to withdraw all of my money from my checkings account. At the time, I still had a credit card with them and also a loan for a car. I had told them that I wanted to pay {$150.00} for the credit card and the amount for the car loan which was {$340.00}. On XX/XX/XXXX, I recieved an email that my loan payment was 21 days past due. I was confused because I had paid for XXXX, XXXX, and XXXX. I called Golden1 customer service on XX/XX/XXXX and spoke to a care representative and they said I had missed my auto loan payment in XXXX. I was confused as I went into the branch directly and remember paying for it. I checked my statements and it showed that instead of paying for the auto loan payment, the teller put both payments of {$150.00} and {$340.00} on the credit card payment instead. The customer care representative said the only thing they would allow me to do was refund that payment into a checkings account. They had already closed my account so there was no way for me to get the refund so I can fix the auto loan payment. I directly went into the branch on XX/XX/XXXX to speak to a branch XXXX XXXX XXXX. He said that he would escalate the payment error situation and told me to email him on Monday XX/XX/XXXX for an update which he gave me his Golden1 Business card. I emailed him on XX/XX/XXXX and received no response. I sent a follow on XX/XX/XXXX and he responded on XX/XX/XXXX with the same response about escalating the situation because it was " unique ''. I waited until XX/XX/XXXX, to send him another email hoping he wouldve responded back sooner but I received no follow up. Again, I sent another email on XX/XX/XXXX for a follow up. He responded on XX/XX/XXXX and said he would call me but never did until XX/XX/XXXX. He called me at XXXX and informed me that he couldnt reverse the mistake unless I brought my credit card loan payment which is approximately {$1300.00} to current but they had already sent my credit card debt to a debt collector which Im already paying for. He said that there was nothing he could do but the mistake was on their end for putting incorrect payments on XXXX loan instead of XXXX. But theyre treating it as it was my fault for not paying the credit card so they cant fix the error. 

Below I will be attaching time stamps of me being at Golden1 and phone calls the correlate to my complaint and also emails between the branch manager and I.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
am submitting this complaint because there are accounts and collections being reported on my credit report that are the result of identity theft. 

I did not open these accounts, I did not authorize anyone to open them on my behalf, and I did not receive any goods, services, or money from them. These accounts are fraudulent. 

I discovered these accounts when I reviewed my credit report. I have already disputed them with the credit bureaus, but they are still being reported or were not properly removed. 

These fraudulent accounts are seriously damaging my credit and financial standing. 

I am requesting that the company conduct a full investigation and immediately remove any account that resulted from identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), identity theft accounts can not be reported. If these accounts can not be fully verified as belonging to me, they must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
In XXXX  we got letter from them while we were living there and we went to them and told them that we are being charged so something we already paid and they checked and they told me that yeah thats correct and we will change that and we moved and cleared everything with them and after that managment changed and redo the whole thing and they put this debt in our name again and we tried to call them we even drive XXXX hours to that city to go in person but they are permanently closed so there is no way we could get into with them at all They are doing us wrong why should we pay from something we paid before and that was our rent we paid it on time and full amount. 
I want this to be fixed and off the debt on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Someone impersonating my bank took XXXX dollars from me. The bank did not reimburse me or help me out in any way This amount was taken from me on XX/XX/XXXX and their decision was made on XX/XX/XXXX and they will not give me documents regarding how they made the decision to not reimburse me. I even filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: U.S. BANCORP
State: AL

Complaint narrative:
The following answers each questionnaire referencing each Valid Dispute Claim. Please be aware : some merchants cooperative and others uncooperative. Each merchant repaid amounts, in-store, with different form of payment, and no products nor services received at time of repayment. PLEASE REFUND {$10000.00} SECURITY DEPOSIT ( XXXX ) BECAUSE EXPERENCING ECONOMIC HARDSHIP. IN ADDITION CARD # XXXX [ ENDING IN XXXX ] HAS A CREDIT BALANCE OF {$520.00}, WHICH REQUIRES REFUNDING ALSO. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. REPAYMENTS TO : ( XXXX. ) XXXX, XXXX, GEORGIA, {$110.00}, REPAID ( XXXX. ) XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$150.00}, ALREADY PAID BLESSED WITH SAFETY, XXXX XXXX XXXXXXXX XXXX  PHONE : XXXX EMAIL : 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 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX, P.O. XXXX XXXX XXXX, SC XXXX Subject : Demand Letter FDCPA Violation ; Intent to Sue Re : Account Number / Reference Number : XXXX Amount Allegedly Owed : {$550.00} Notice to Agent is Notice to Principal Notice to Principal is Notice to Agent.

To Whom It May Concern : This letter serves as my formal notice to your company in connection with violations of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( hereinafter FDCPA ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. 
I previously sent your company notice to cease harassment practices, including but not limited to phone calls, in connection with the collection of an alleged debt. I also made a formal request for competent evidence proving that I have a legal obligation to pay the alleged debt to your company or any third party. As of the date of this letter, those requests have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/year> I filed XXXX merchant disputes on my debit card backed my Master Card, at the time of the filing, due to records of bank problems coding falsified information before, I recorded The call and notify the agent who initiated the dispute the call is being recorded for legal purposes. In reference to my question about when exactly the temporary credits are provided, he said he will contact dispute team and call me back with accurate resolution XXXX. At or about XXXXXXXX XXXX XXXX  HE called back letting me know the dispute team has informed him the credit would be processed voided within " XXXX business hours '' today was marked XXXX hours and still no credit and despite my numerous attempts to find out why, I have given " run errands " and more ambiguous and inaccurate information. I be In XXXX next week and will file a law suit against this excise of bank! Please investigate this matter completely and your result will be submitted to court!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CA

Complaint narrative:
I disputed a credit card transaction involving a rental car company that failed to provide the reserved vehicle and imposed undisclosed upgrade charges through material misrepresentation. The upgrade was not optional, the pricing ( 150 per day ) was not disclosed verbally, and the contract was presented in a foreign language under time pressure.

Despite providing documentation, Capital One closed the dispute twice without addressing misrepresentation, lack of informed consent, or service not provided as agreed, and without providing a substantive explanation. also, fraud department and dispute department throws me to go to another department each other. I am requesting that Capital One conduct a fair and thorough review of this billing dispute under applicable consumer protection and card network standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I cant send screen shots of the XXXX times Ive called with no resolution and being lied to. 
My attorney can attest To Some Of The lies as she was in the phone XXXX XXXX was the only One who tried to call, I text the HR XXXX And she awaiting his call, thy will Not let Me talk To XXXX The only one Who Has Tried To Help. Ive been On the phone for almost 2 Hours. This is unacceptable. They need To Call Her or Send Checks Back So I Can Go To A Real bank. I have proof Of all The lies and Run around and I will File a suit for misrepresentation and boast these calls All Over The internet So Everyone Can See your lies am inability To Help Me Get MY Money O Requested an Email To Snow It Was Frozen And Not Verified So The Do Cant Can Issue Another check. 
They XXXX the check Writers Money And Thats almost Theft Cause I dont have it. I Was told every time I called And Was o XXXX XXXX  To It was XXXX. 
Its been Over XXXX Weeks. 
This is To He handled Before Con tomorrow or you will Me Hearing From My Attorney am I Will Blast My Proof on every news, Social Media Outlet Available I want a copy Of The recording of all my XXXX Calls Which prove I was XXXX To And Game the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland creditor management filed for entry of default with court. Was never served. Proof of service was filed under false declarations which in California is perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXXXXXX has called me excessively everyday. Just today, XX/XX/XXXX, I received XXXX calls from them between XXXX and XXXX. On XX/XX/XXXX, I received a total of XXXX calls between XXXX and XXXX. This is harassment. They call, email, text all day long. The tactics have to be unlawful. I have voicemails of nonsense left on my phone. On XX/XX/XXXX, a representative left a message that was XXXX long just talking to coworker. This company is predatory in their tactics when it comes to payment and communication. I have been making payments and am still being harassed.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2025, I discovered that a credit card account with Capital One had been opened without my knowledge or consent. I never applied for or authorized this account and am not a customer of Capital One. 

On XX/XX/2025, after discovering identity theft activity on my credit reports, I contacted Capital One by phone to report the fraudulent account. I was transferred between multiple representatives and requested written confirmation that the account was fraudulent, closed, and that I had no responsibility for it. I was told an investigation would be conducted and that I would receive written confirmation within XXXX  days. 

Despite this report and after I had already placed a credit freeze and fraud alert with the credit bureaus, additional fraudulent credit activity occurred in XX/XX/2025, including the opening of another credit card account ( XXXX ). I did not receive any written confirmation or results of Capital Ones investigation as promised. 

I am a victim of identity theft. I am requesting written confirmation that the fraudulent account ( s ) were not opened by me, that they are closed, that I have no liability, and that all related credit reporting be corrected.

Company response to consumer: Closed with explanation