vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to I C System Inc under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to I C System Inc, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I enrolled with XXXX XXXX under a {$1.00} promotional trial offer. After attending the facility for approximately XXXX to XXXX weeks, I visited the location in person and clearly requested cancellation of my membership at the front desk. A staff member accepted my request without objection and without informing me that in-person cancellation was invalid. Months later, I was charged approximately {$140.00} representing roughly six months of membership fees for a service I had already canceled, never used after the trial, and never authorized further billing for. When I disputed the charge with Aldous & Associates, they claimed their contract required cancellation exclusively by phone or email, and refused to dismiss the debt. This position violates multiple laws : 1. The New York Health Club Services Act ( NY GBL Article 30 ) explicitly requires health clubs to accept cancellations through multiple methods including in person. Any contract restricting cancellation to a single channel is void and unenforceable under this statute. 2. New York GBL Section 527-a ( Automatic Renewal Law ) requires cancellation methods to be as simple as sign-up. Permitting in-person enrollment while rejecting in-person cancellation is unlawful. 3. New York GBL Section 349 prohibits deceptive trade practices. Enrolling a consumer on a {$1.00} trial and then charging six months of fees based on a buried cancellation technicality is deceptive to any reasonable consumer. 4. The FTC has recently taken enforcement action against a national gym chain for maintaining similarly restrictive cancellation policies, finding them to constitute unfair acts or practices under the FTC Act ( 15 U.S.C. Section 45 ). I am requesting that this debt be dismissed in full and removed from all credit bureau reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I originally received a loan from Santander Bank for my XXXX XXXX XXXX ( XXXX ) in XXXX. I later refinanced this loan to XXXX XXXX in late XXXX. Santander bank has claimed they have failed to send my original title/lien to my new bank. I have reached out multiple times and escalated the problem to no avail. XXXX XXXX has sent documentation that they have temporarily released the title to me, but they have never received the title or the lien from Santander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently applied for a US Bank checking account with a {$450.00} promotional offer. According to the terms of the promotion, qualification requires a minimum of {$8000.00} in total direct deposits within the first three months. I opened the checking account on XX/XX/year>, under account number XXXX. However, I was informed today by a manager, XXXX, that the bank is unable to honor the promotion due to a system error.

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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
THE PROBLEM IS THAT, THIS IS NOT MY LOAN. I HAVE BEEN CONTACTED TWICE STATING THAT I AM LISTED AS A REFERENCE OF SOME SORT BY SOMEONE WHO HAS SECURED A LOAN WITH THIS COMPANY ( Sun Loans - Personal Loans & Tax Services- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX ) XXXX. I DO NOT KNOW THE INDIVIDUAL, NOR HAVE I EVER DONE BUSINESS WITH SUN LOANS. SINCE A SECOND CALL HAS BEEN INITIATED TO ME FROM THEM WITHIN XXXX WEEKS TIME, AFTER I ALREADY ADVISED I DON'T KNOW THE PERSON, I NOW CONSIDER THIS HARASSMENT. THEY WERE ADVISED THE FIRST TIME THAT I DON'T KNOW A " XXXX XXXX ''. XXXX IS FREE. AND THAT IS WHERE I OBTAINED HER INFORMATION, AS WELL AS SUN LOANS, FOR THE PURPOSE OF SUBMITTING THIS COMPLAINT. MY LOG OF INTERACTION WITH THEM IS LISTED BELOW : XXXX - S/W XXXX ( XXXX XXXX ) @ Sun Loans @ XXXX XXXX and he stated my info was listed as a reference for XXXX XXXX or XXXX. I advised him that I didn't know that person and to remove my information before a lawsuit ensues. I disconnected the call and blocked the phone number. XXXX - The number was blocked upon receiving the initial call on Thursday, XXXX. Although the number was blocked, I received a voicemail today at XXXX amXXXX from a XXXX female, unknown name; asking for me by first and last name, claiming I know a XXXX XXXX, and requested a call back. I didn't return the call. They have already been advised that I don't know the individual, nor can they force me to know her. XXXX is free. It is their job to verify references before handing out money. I don't owe them, but apparently XXXX does. Confirmed on XXXX, that I have been on the DNC Registry ( Do Not Call Registry ) since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2026, I sent {$250.00} via XXXX to a recipient through a TikTok page called XXXX XXXX in XXXX for adopting a dog. After sending the money : The recipient provided a tracking number, which was immediately put on hold. They requested an additional {$500.00} for insurance, which I did not pay. The shipping company provided, Welcome to XXXX XXXX XXXX, is not a legitimate company. The XXXX account and seller became unreachable, and I received a message saying the account was suspended. Later, I received a threatening email claiming I could face fines and legal action, which is clearly fraudulent. I contacted Chase multiple times, sending 26 attachments with evidence including screenshots, emails, XXXX links, tracking information, and threatening emails. My claim ( # XXXX ) was closed without proper investigation, and I was told the transaction was authorized. I requested details on their review, but they did not provide any information. While losing {$250.00} is concerning, what matters more is that I was defrauded. I have been a loyal Chase customer for almost 20 years, and I feel this matter deserved much more attention. I am submitting this complaint to request that the transaction be investigated as fraud, the funds reimbursed, and my account protected from further fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint and dispute regarding my Lane Bryant credit card account issued by Comenity Bank. I was allegedly enrolled in paperless billing without my knowledge or clear consent. Regardless of that status, I am not receiving any billing statements or notifications prior to the payment due date. Instead, I am only receiving statements after the account is already past due, at which point late fees and interest have already been applied. This has resulted in the following : Late fees being assessed without proper notice Interest being charged on those late fees Payments exceeding my original balance, yet additional charges continuing to accrue I have paid more than double yet I continue to receive additional charges due to these late fees. I made a final payment and once again was charged {$42.00} and {$8.00} in interest on a XXXX balance. I never received a timely billing statement or notification that would have allowed me a reasonable opportunity to make a payment before the due date. I am formally disputing all late fees and any associated interest charges on this account. I am requesting the following resolution : Immediate removal of all late fees Removal of all interest charges related to those fees Correction of any negative reporting related to these charges Confirmation of proper billing notification going forward This situation reflects a failure to provide reasonable notice prior to imposing penalties, which I believe is unfair and improper. If this matter is not resolved promptly, I am prepared to pursue further action. I received a statement on XXXX, for the balance of XXXX which I paid in full on XX/XX/year>. I just received another statement on XXXX saying I owe late fees. The {$50.00}. I do have the emails and bank records that show this, but unable to attach here. I'll be more then happy to bring all of it to a class action lawsuit if further action is required by me. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This account is the result of identity theft. I did not sign or authorize the lease associated with XXXX XXXX Apartments, and I have never lived at that property. Additionally, this account is associated with a property located in a city where I have never lived or worked, further confirming that this account is fraudulent and not mine. I am aware that a lease was provided with a digital signature ; however, I dispute the validity of that signature. I did not sign this lease, and I did not authorize anyone to sign on my behalf. It appears my personal information and a copy of my identification were used fraudulently without my knowledge or consent. At the time this lease was executed, I was residing at a different address. I have documentation to verify my residence during that period, which directly conflicts with this account. I am requesting full validation of this debt, including : The original lease agreement All application records IP address, timestamp, and method used to obtain the digital signature Any identity verification documents used at the time of signing I have attached my Identity Theft Report and supporting documentation. Under the Fair Credit Reporting Act, I am requesting that this fraudulent account be immediately removed from my credit report and that all collection activity cease. If you are unable to provide sufficient proof that I personally entered into this agreement, this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: FL

Complaint narrative:
Complaint against : LoanCare LLC I am filing this complaint regarding inaccurate and inconsistent credit reporting by LoanCare LLC across multiple credit reporting agencies. The account in question ( LoanCare LLC, account ending in XXXX ) is being reported with conflicting and inaccurate information, including : - The account is reported as " Current '' while simultaneously reflecting a 30-day delinquency, which is a direct contradiction and violates the requirement for maximum possible accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). - Dispute remarks are inconsistent across TransUnion, Experian, and Equifax, indicating that the furnisher has failed to maintain consistent and accurate reporting. - The account continues to reflect dispute resolved consumer disagrees, suggesting that no reasonable investigation was conducted, and the dispute was processed through automated systems such as e-Oscar. Under FCRA 611 ( 15 U.S.C. 1681i ) and 12 CFR 1022.43, both the furnisher and the credit reporting agencies are required to conduct a reasonable investigation of disputed information. Additionally, CFPB Circular 2022-07 clarifies that furnishers must not rely solely on automated dispute responses and must review all relevant information provided by the consumer. LoanCares reporting also appears to violate CDIA Metro 2 standards, as account status, payment history, and delinquency codes must be internally consistent and accurately reflect the true status of the account. 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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IL

Complaint narrative:
About a week ago, I was alerted by several of my credit monitoring services that us bank pulled my credit. I did not initiate that request. I went online to see if there was something I could do. I found a phone number for us bank and called it. The first awful thing was the automated answering system. That took some time and some verification with the app while on the phone just to be able to be allowed to talk to someone. Once I got through, I was transferred around. After finally getting through to someone and making some headway on the report, I was put on hold for approximately an hour, before I finally hung up I had already left work and had driven to a Dr appointment while on hold before I had to enter the appointment and hung up. Then I tried to get through again after I was done with my appointment. Again it took a great deal of patience just to get through to someone, just to be put on hold again. 20 more minutes on hold and I hung up. I tried again and got through to someone else who again tried to put me on hold. I asked if they could call ME back when they were available and they said they can't do that. But they gave me a direct number to try if we got disconnected. We did. I tried the number I was given and it didn't go through to anyone. Got an internal line and it was asking for an employee number or something. At this point I was so frustrated I was going to scream. I did more research and found the fraud reporting hotline. Tried THAT number and got into the queue very quickly. Unfortunately that queue lasted over an hour. After finally getting through to someone there, they helped me out immediately and gave me good advice for moving forward. After 4 plus hours of trying to report fraud, my wife saw what I was going through and cancelled her credit card with them and I wanted to as well. I had XXXX dollars in points on that card that needed to be spent so I tried to spend them at XXXX. Us bank refused the transaction. At that point I reached my breaking point. I immediately cancelled my credit card account and let us bank keep the XXXX bucks. They seem to need it more than I do, since they can't possibly hire more people.

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 2026-04-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-09 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I called to speak with my creditors to dispute several fraudulent charges on my statement and was told they will not help me until I pay my past due balance of XXXX dollars

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