vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : JEFFERSON CAPITAL SYST Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> Amount : {$1000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. I made an appointment to do a wire transfer. XXXX. The address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Bank of America 3. The banker was 20 minutes late to the appointment 4. The banker told me I cant do a wire transfer because I dont have a debit card 5. I provided 2 different ID, CA drivers license and EAD card 6. They didnt provide me any help or instructions for me to make a wire transfer.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

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 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 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
From past experiences with Navy Federal Credit Union for withholding the 1099 for both business account and personal account. Issue : Improper tax reporting/ account closure. Complaint : I am submitting this complaint regarding the handling of my personal and business accounts by Navy Federal Credit Union. Navy Federal closed both my personal and business account without providing a clear explanation or meaningful opportunity to resolve the matter. After the accounts were closed, the institution continued issuing IRS form 1099s connected to these accounts. Because the Accounts were already closed, I am concerned that the tax liability and reporting maybe inaccurate or improperly attributed. This creates potential tax liability and reporting issues for me. I have attempted to obtain clarification from navy Federal regarding why the 1099 forms were issued after the accounts were closed and whether the amounts reported are accurate. I have not received a satisfactory explanation. I am requesting that Navy Federal : 1. Provide a full written explanation for the closer of my personal and business accounts. 2. Verify the accuracy of any 1099 forms issued in connection with these accounts. 3. Correct or withdrawn any inaccurate tax reporting submitted to the IRS. 4. Provide documentation showing how the reported amounts were calculated. I am seeking resolution to ensure that incorrect financial or tax information is not attributed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA denied my dispute claiming the transaction didnt exist, despite me providing proof from my other financial institution. They have failed to conduct a reasonable investigation under Reg E.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
In XX/XX/year>, I applied for an SBA 7 ( a ) loan through Huntington National Bank to open a XXXX XXXX XXXX On XX/XX/year>, my Huntington lending consultant sent an email confirming the loan terms in writing : a {$120000.00} draw-to-term loan with a {$30000.00} equity injection based on a {$150000.00} total project cost a 20 % equity contribution. Based on these written terms, I authorized a hard credit pull on XX/XX/year>. After the credit pull, Huntington changed the equity injection requirement from 20 % to 30 % a 50 % increase over what was committed in writing. No explanation was provided for this change. Then, after the equity change, Huntington revealed their DSCR ( Debt Service Coverage Ratio ) evaluation methodology for the first time. They had averaged my projected revenue and expenses across all 12 months of Year 1 and declared the application failed. This methodology guarantees failure for any startup business, which inherently loses money in early months before reaching profitability. For context : my proforma shows the business reaching a DSCR of 4.42x by XXXX XXXX at the actual {$120000.00} loan amount. The SBA 's own minimum DSCR for 7 ( a ) Small Loans is 1.10x on a projected basis ( per Procedural Notice XXXX, effective XX/XX/year> ). Huntington applied a 1.25x threshold 14 % higher than the SBA requires using a methodology the SBA does not prescribe. At no point before pulling my credit did Huntington disclose that they would apply a Year 1 average DSCR methodology or a 1.25x threshold. My proforma was built to meet SBA standards, not undisclosed internal criteria. Most critically : Huntington never offered me the opportunity to revise my proforma or business plan to address their changed criteria. My co-applicant explicitly asked on XX/XX/year> why we were not being prompted to improve our documentation. No response was received. On XX/XX/year>, I put my objections in writing to Huntington, documenting the equity change and DSCR methodology change. On XX/XX/XXXX, I requested a meeting with a manager. On XX/XX/XXXX, I spoke with Huntington by phone. They stated " our underwriting is our own '' and that SBA guidelines are " just guidelines, '' with no reconciliation of the discrepancies. As a Preferred Lender Program ( PLP ) participant, Huntington has delegated authority to approve or decline SBA loans without SBA review. By applying criteria exceeding SBA requirements and declining the application, Huntington prevented a qualified applicant from reaching SBA direct review. I believe this conduct violates the prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act. The initial 20 % equity representation was material to my decision to authorize a credit pull, and changing material terms after the credit inquiry without disclosure beforehand is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a workers compensation check Ive been waiting for. I was currently at work when I received it so I went to the atm at a Citibank to deposit it. The next morning on XX/XX/XXXX I went into my account and saw all three of my accounts were blocked. I called Citibank and told them I think they thought it was fraud even though its not. That Im the one who deposited, I know for how much, where it came from and why I got it and that I have the settlement paperwork. They told me to call back which I did on XX/XX/XXXX and they told me they decided to close the account and the only way to get it reinstated and get my funds is for the adjuster/company to reach out to them and verify the check

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 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Subject : Complaint Regarding Denied Fraud Claim Request for Investigation To Whom It May Concern, I am submitting this complaint regarding my banks decision to deny my fraud claim involving multiple unauthorized transactions made using my card information. The transactions in question total nearly {$4000.00} and were for transportation services that I did not authorize and did not personally use. I did not give permission for any individual to use my card for these purchases. After reviewing the activity and conducting my own investigation, I discovered that the transactions appear to be associated with an individual named XXXX XXXX and linked to the address XXXX XXXX XXXX XXXX XXXX These services were booked without my knowledge or consent. As soon as I became aware of the fraudulent activity, I immediately reported the issue to my bank and disputed the charges. I also filed a police report regarding the unauthorized use of my card information. Despite reporting the fraud and providing details related to the suspected individual and location tied to the transactions, my claim was denied. I believe this decision was made without a full and proper investigation into the unauthorized nature of these charges. I am requesting that my bank reopen the claim and conduct a thorough reinvestigation into these transactions. I should not be held financially responsible for charges that were made fraudulently using my card information. I am requesting that the bank review this matter again and issue a refund for the unauthorized transactions. Thank you for your time and assistance in reviewing this complaint. 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 monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> Midland credit management XXXX XXXX, California XXXX Subject : Cease and Desist Notice To Whom It May Concern, This letter serves as formal notice that you must immediately cease and desist from all contact with me regarding the alleged debt or matter referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I request that you stop all communication with me except to confirm that you will comply with this request or to notify me of any specific legal action you intend to take. If you continue to contact me after receiving this notice, I will document all communications and may pursue further legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
On an unexpected lengthy phone call I received I was not expecting The scheduled to continue on record until XX/XX/XXXX note is XXXX own automated 7-year FCRA clock . We are now in XX/XX/XXXX that account is legally obsolete and must be deleted under the Fair Credit Reporting Act ( FCRA 605 ). Debt sales do not reset the clock. XXXX is simply late on removing it. In XXXX and XXXX it does not exists. Credence Resource Management ( often appearing as Credence Debt Collection ) Proceeded with a soft pull on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LLC - XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX I hired a XXXX XXXX to build a software application. Payments totaling {$10000.00} were made between XX/XX/XXXX and XX/XX/XXXX using my Capital One credit card through the payment processor XXXX. The developer failed to deliver the agreed software product. Core functionality outlined in the project scope was never completed, and the resulting codebase is not usable. After repeated attempts to resolve the issue directly with the developer, I requested a refund and the developer stopped responding. I filed a dispute with Capital One for services not rendered / defective services. The dispute was denied because Capital One determined that I authorized the transactions. I never claimed the payments were unauthorized. My claim was that the services paid for were not delivered. Because the payments were processed through XXXX, Capital One relied only on confirmation that the transactions were authorized and did not evaluate whether the contracted services were actually delivered. XXXX is only a payment processor and can not verify completion of the software development work. After the dispute was denied, I requested reconsideration and offered to provide documentation including the original project scope, evidence of missing functionality, and a third-party technical audit confirming that the software was incomplete and not usable. I did not receive a response regarding reconsideration. I am filing this complaint because my dispute appears to have been evaluated only as an authorized transaction instead of under the appropriate category of services not rendered. I am requesting that Capital One properly review the dispute based on the failure of the merchant to deliver the contracted services. Amounts involved Total disputed amount : {$10000.00} Key dates Payments made : XX/XX/XXXX XX/XX/XXXX Dispute filed with Capital One : XX/XX/XXXX Dispute denied : XX/XX/XXXX Reconsideration requested : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp closed my account over a month ago and I've been having my account since 2017 they still will not advise why they closed my account or why won't reopen account I advised them I can send my bank statements to prove my income and any additional documents needed and still no response I've called and have had 3 claims and they still have not contacted me or anything I keep having to call them and the representatives let me know that all the claims have been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Date Your Name Your Address Debt Collector Name Collector Address RE : Account Number XXXX To Whom It May Concern, Under the Fair Debt Collection Practices Act, I am requesting that you cease and desist all communication with me regarding the above-referenced account. This account is disputed. You are also instructed to cease reporting this account to any credit reporting agencies unless you can provide proper validation of the alleged debt. If you continue to contact me except as permitted by law, I will document these actions as violations of the FDCPA. Sincerely, Your Name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XXXX : I emailed Nelnet again to find resolution to my loans on XXXX that were accumulating interest even though there was to be XXXX percent interest during this period. I didn't receive a response to my first request. ( Attached email ) XXXX Nelnet responded about other loans I had that were being reviewed for borrowers defense but never responded about the loans on XXXX that were accumulating interest. My loans that were on XXXX during the XX/XX/XXXX to XX/XX/XXXX time frame still have accumulated interest on them from that period.

Company response to consumer: Closed with explanation