vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
U.S. Bank abruptly closed my credit card account without giving me a reason. At the time of closure, I had approximately {$100.00} in accrued rewards, and I had completed about {$5300.00} in purchases toward a promotional offer that required {$6000.00} in spend for a {$750.00} bonus. After the closure, I contacted U.S. Bank to ask why the account was closed and why my rewards were removed. I was not given any explanation. I believe this action was unfair because I had already completed most of the required spending for the promotional bonus, and then the account was closed without a meaningful reason being provided. From my perspective, this raises serious concerns about whether U.S. Bank closed the account in order to avoid honoring the promotional offer after I had already made substantial purchases in reliance on that offer. I am requesting a clear written explanation for the closure and for the forfeiture of my rewards.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I NEVER APPLY FOR SUCH A CREDIT CARD. I AM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: WA

Complaint narrative:
I am filing this complaint regarding XXXX continued refusal to remove a fraudulent collection account from my credit report, despite multiple disputes and an FTC Identity Theft Report. I have disputed this account four separate times with XXXX, both online and by certified mail. During my most recent call with a Tier 3 supervisor, the agent ( XXXX ) stated that my dispute was rejected because the page number did not exist on my FTC Identity Theft Report. This report is a onepage document, and after contacting the FTC directly, an FTC agent confirmed that they do not place page numbers on a onepage Identity Theft Report. XXXX is imposing extrastatutory requirements that are not part of the FCRA or the FTCs identity theft procedures. These requirements have no legal basis and appear to be used to avoid properly processing my identity theft dispute under FCRA 605B. XXXX and XXXX have already removed this fraudulent account. XXXX remains the only bureau refusing to comply, despite receiving all required documentation, including my FTC Identity Theft Report, proof of identity, and written statements. XXXX has also failed to provide any validation from the furnisher. Their continued reporting of this fraudulent collection has caused financial harm, including preventing me from securing business financing. Reference IDs : CFPB Complaint ID : XXXX FTC Identity Theft Report ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of a single 30-day late payment on my account. This late payment was the result of an isolated issue involving timing of my direct deposit and an auto-payment that was returned. The payment was subsequently made and the account has otherwise maintained a strong and positive payment history. I previously submitted a goodwill adjustment request, which was denied. I then submitted a second goodwill request via certified mail, which was delivered on XX/XX/year>, and I have proof of delivery. This request is not a dispute of accuracy, but rather a request for a goodwill adjustment based on my overall history as a responsible customer. I have had multiple accounts with BMW Financial Services, all of which have been paid as agreed, and this late payment does not reflect my true credit behavior. Given my history and the circumstances, I respectfully request that BMW Financial Services reconsider and remove this isolated late payment as a goodwill adjustment. This negative mark is currently impacting my ability to refinance properties and secure financing, and I am actively working to maintain excellent credit standing. I am specifically requesting removal of this 30-day late payment from all credit reporting agencies as a one-time goodwill adjustment. I appreciate your time and consideration and request a formal review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I reached out in XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to get a proof of debt owed letter and I have yet to receive one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I am filing this complaint against TD Bank as the furnisher of inaccurate credit data for a XXXX account ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my XXXX and XXXX credit reports. I mailed written disputes to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX citing specific inaccuracies in TD Bank 's reported data. Both bureaus returned verified responses, indicating TD Bank confirmed the data as accurate. However, my XXXXbureau credit report dated XX/XX/XXXX shows TD Bank is furnishing contradictory data to different bureaus for the same account : Bureau XXXX XXXX XXXX late XXXX day late TransUnion XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX not reported not reported not reported Source : XXXX XXXXbureau report dated XX/XX/XXXX TD Bank can not be simultaneously furnishing accurate data to both bureaus when the figures are irreconcilable. As furnisher, TD Bank is obligated under 15 U.S.C. 1681s-2 ( b ) to investigate disputes and correct or delete inaccurate information. Instead, TD Bank confirmed contradictory data as accurate through XXXX bureau reinvestigation cycles. Additionally, TD Bank is reporting conflicting account status information : XXXX shows the account as closed on XX/XX/XXXX while XXXX shows no closed date. This account also does not appear on my XXXX report at all despite being reported as derogatory on XXXX other bureaus. I request that the CFPB investigate TD Bank 's data furnishing and dispute response practices for this account, and require TD Bank to correct or delete the inaccurate tradeline from all bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account Dispute / Request for Validation To Whom It May Concern, I am writing in response to your claim regarding an alleged debt. I dispute this debt in its entirety and do not believe I owe your company any amount. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt. Please provide the following : The original creditors name and address The original account number Documentation showing I am legally obligated to pay this debt A complete payment history Proof that your company has the legal right to collect on this debt Until you provide proper validation, I request that you cease all collection activity and communication regarding this account. Additionally, if this account has been reported to any credit reporting agencies, I request that it be marked as disputed immediately. If you are unable to validate this debt, you must remove it from my credit report and cease further contact. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I was approved for a Capital One XXXX credit card ( first card ending in XXXX, latest card ending in XXXX ). To date, I remain entirely unable to access this approved credit line because Capital One has repeatedly failed to deliver the physical card to my residential address. Two separate cards have already been dispatched via standard XXXX mail, and both failed to arrive. I receive all other standard mail at my residence without issue, indicating a specific, targeted failure with Capital One 's mailing process. Today, XX/XX/year>, I contacted Capital One for the fourth time to resolve this ongoing issue. I spoke with a representative named XXXX ( ID : XXXX ). Despite the documented failure of the previous standard mail shipments, the representative stated that Capital One only permits another standard shipping attempt and refused to authorize an alternative delivery method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am filing this complaint against BMW ( US ) XXXX XXXX for dual reporting errors : an incorrect 1099-C and wrongful credit reporting of a repossession ( Account # XXXX ). Credit Reporting Error : My credit report incorrectly shows a 'repossession ' for a XXXX XXXX XXXX ( VIN : XXXX ). This vehicle was a 36-month lease, not a loan, and all 36 payments were made in full. Furthermore, the contract was in the name of XXXX XXXX XXXX, yet the derogatory mark is being reported against my name ( XXXX XXXX ). No repossession ever occurred. Tax Reporting Error : I received an incorrect 1099-C for XXXX claiming {$13000.00} in discharged debt. Because the lease was paid in full and the contract was not in my name, there is no debt to be canceled. I am requesting that the company immediately delete the repossession from my credit reports and issue a corrected 1099-C to the IRS showing a {$0.00} discharge. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: OK

Complaint narrative:
: " Technical error disconnected my PIN. Followed automated prompts to reset, which triggered a false fraud flag. Submitted documents via fax/email on [ Date ], but funds remain frozen. I am disabled and have XXXX access to my XXXX benefits for food and bills. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX 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 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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a settlement agreement in place with this debt firm. Upon completing the arrangement, they dropped the civil case they filed against me. I notice that it was still hitting my credit score. I have attempted to reach out to the firm for months now, through email and phone and am getting no responses back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
someone took a loan out for {$8000.00} on my account in one instance at one bank.... the bank put a hold on the account so no one could access those funds ( fth third ) in another instance, another bank credit Karma deducted {$1000.00} from my checking count. ( XXXX XXXX ) The bank froze the account so no one could access that account and we opened a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

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 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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX I received a letter for debt. i wrote them certified and ask to verification of said debt. thy sent back pictures and lease agreement that was old. I aslo have move out pictures. they said i skipped out during eviction process. they were changing managemnet and companies. I went into the office prior to moving and signed a move out letter with XXXX. they are trying to charge me for screens for which there were no screens upon moving in. maintenace brought me screens from the apartment next store that had been vacant for almost a year man name was XXXX. carpet cleaning for which carpets were cleaned. very well kept. light bulbs for which i have pictures of move out date and bulbs were in place. charges for cleaning unit and again pictures and video of these being done.tubs being resurfaced. the tubs were plastic and when i moved in they had painted the tubs with paint. so it started to peel immediately. they have changed managers and property owning companies at least twice. for in those time we had no information for emails. and offices were closed with no managment except for going to sister complex for which was going through the same thing. I have never had an issue like this so I do have some emails for trying t get pest control and fixing done for other issues prior to managemnet change.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I bought XXXX round trip airline tickets to XXXX for {$840.00}. I canceled this trip because of a health issue with one of my family members, I did this because on my receipt it was stated that : This fare is refundable call XXXX to discuss your options to cancel or change this flight so I called Chase XXXX and they told me I would have 6 months to book future travel but would have to upgrade my membership with a extra fee. I then called Chase Cardmember Services and opened a dispute, they agreed with me on my dispute and on XX/XX/year> they sent me a check for the {$840.00} which I deposited in my bank. I thought this matter was settled so I agreed to closed my dispute at that point. but I got a call from Chase XXXX stating that the check was sent to me in error and that I would be rebilled the full amount of {$840.00} plus a late fee of {$41.00} for not paying on time they told because I closed my dispute they couldn't help with this matter anymore. I am XXXX XXXX XXXX any I never once failed to pay any bills that I owed, I can't believe this is happening please help me resolve this issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I signed up with PayPal for auto reload {$50.00}. Im showing six auto reloads of {$50.00}. They are saying they only got four, but Im showing in my bank statement that they were paid. They can not come up with the rest of the money and refused to answer me told me to go back to my bank. I go back to my bank and they say we paid them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Monday XX/XX/XXXX ( XX/XX/year> ) I received notice of an overdraft fee. So me trying to be on top of these fees lately I deposited enough to to be around - {$20.00} instead of the - {$130.00}. In the past for example if I'm at XXXX and I make a charge that brings me to XXXX and I pay that on my card the next I don't wake up with an overdraft fee. This morning with me being at - {$20.00} before XXXX yesterday I shouldn't have received a fee but I still did. {$490.00} is what I've paid in fees this year not including service charges so I've been trying to stay on top of it. I woke up today to see my account at XXXX with a {$70.00} overdraft fee applied when I should have just been at XXXX exactly. I called them to ask for a refund because it is a mistake on their end and then told me they can't give me a refund because I have reached my limit. They confirmed all the deposits and everything but still wanted to say they can't refund it or do anything for me. It boiled down to " deal with it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX/ XX/XX/XXXX -- XXXX phone calls were made inquiring about my MUD taxes, which were billed via a third party that XXXX XXXX hired this year out of XXXX. Each time, I was told the taxes would not be paid by PennyMac. The third time I called, I was even told that they'd be doing an Escrow analysis and my mortgage bill would be dropping down to around {$2800.00} per month as opposed to the current {$3100.00}. Once my XXXX county property taxes were paid, but the MUD taxes weren't paid -- and as the deadline to pay was approaching -- I did pay the MUD tax. XXXX days later, PennyMac also paid the MUD taxes from my XXXX account. Since XX/XX/XXXX, I have been in contact with PennyMac via messages and phone calls -- and they still have not refunded my property tax. They even completed an investigation and admitted they owe the taxes, but they said they can not pay them until the XXXX agency refunds them the money. I have called the XXXX agency and from the beginning they said it would have to go through PennyMac. Due to PennyMac 's misinformation ( XXXX times ) -- this is an error on their part, and my refund should be processed promptly. It is also past the 45 days ( that under regulations ) PennyMac has to process the refund. In addition, I complained about the credit card processing fee I had to pay when I paid my MUD tax ( that otherwise would not have applied )- they said they'd give me a refund via a mailed check, but then a refund was taken from my Escrow and electronically credited to my bank. They were not authorized to touch my Escrow ( again for a credit card processing fee that resulted from their error and miscommunication ). I would simply like my refund. PennyMac says once a refund is issued, they have to do an Escrow analysis to determine how much I will receive. I should, in fact, receive the full amount that I paid. The call centers at PennyMac need better training, as do the managers. There is certainly a lack of empathy. When I threatened to complain to CFPB they also promptly stopped messaging back in the portal and now only want to conduct conversations via phone, which due to previous conversations, is bad for my health and has resulted in medical problems.

Company response to consumer: Closed with monetary relief