vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this formal complaint against Jefferson Capital Systems for reporting inaccurate and inconsistent data in direct violation of the Fair Credit Reporting Act and Texas Finance Code Section 392.202. Upon reviewing my 3B credit report, I identified that this account is being reported with conflicting data across the different credit bureaus, which suggests a gross failure in data integrity and a lack of Metro 2 compliance. Under Texas Finance Code Section 392.301, a debt collector is prohibited from using false or misleading representations, and by reporting conflicting account statuses and dates, this agency is making a false representation of the character and amount of a consumer debt. Furthermore, Jefferson Capital has failed to provide a valid chain of title or original contract that meets the strict verification requirements of the Texas Debt Collection Act. The continued reporting of this unverified tradeline proves a willful non-compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: MN

Complaint narrative:
Validation of Debt Request - MILITARYSTAR - XXXX XXXX XXXX XXXX XXXX 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 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 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> an amount of {$30000.00} was fraudulently withdrawn from my account from a bank in XXXX when I live in XXXX XXXX XXXX. On XX/XX/year>, Bank of America created a new savings account for me, and not even XXXX minutes later the remaining {$4700.00} was fraudulently withdrawn from this brand new account as well from the same bank. After many calls to the bank, and very little answers they have denied my claim from {$4700.00} saying that the transaction was approved by me, which it was not.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding a promotional bonus for two American Express XXXX XXXX accounts that I opened under a XXXX Membership Rewards welcome offer. For both accounts, the promotional terms required depositing {$5000.00} in eligible deposits and completing qualifying transactions within the specified timeframe. The written terms stated that eligible deposits include all deposits except specific listed exclusions ( such as transfers from other American Express accounts, interest payments, or rewards redemptions ). XXXX transfers were not listed as an excluded deposit type in the promotional terms or agreement materials provided at account opening. I deposited {$5000.00} into each account from my own external bank account via XXXX within the required promotional period. The funds posted successfully as new money and were not sourced from another American Express account or any excluded category listed in the terms. However, the bonus tracker did not recognize the deposit requirement as completed for either account. When I contacted customer service, I was informed that XXXX is internally treated as cash or a non-qualifying funding source and therefore does not count toward the deposit requirement. A representative also stated that XXXX functionality is relatively new for these accounts and that this is why it was not explicitly excluded in the written terms. This creates a material discrepancy between the disclosed promotional terms and the internal criteria being applied. The terms I agreed to did not exclude XXXX deposits, and there was no disclosure that person-to-person transfers or XXXX funding would be treated as ineligible deposits. I relied on the plain language of the promotion and funded both accounts in good faith using my own external bank account. Denying the bonuses based on an undisclosed internal classification of XXXX as cash or non-eligible funding appears inconsistent with the written terms and may be misleading to consumers. If XXXX deposits are not intended to qualify, this limitation should have been clearly disclosed in the promotional terms at the time of enrollment. I am requesting that American Express conduct a manual review of both accounts and honor the XXXX Membership Rewards bonuses in accordance with the written promotional terms, or provide a written explanation citing the specific clause that excludes XXXX deposits, as such an exclusion was not disclosed in the offer terms I accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

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 non-monetary relief
Consumer complaint received 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Charged my Capital 1 card ending in XXXX for something that was cancelled right away and never received. I called Capital 1 about 4 times and they made it really hard and kept denying the claim. Please help me recuperate the money since it is not a small amount that I can just forgive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WA

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I was notified of hard inquiries on my credit report from XXXX XXXX and Synchrony Financial on XX/XX/XXXX and XXXX XXXX. They are fraudulent. I contacted both companies and told them that they were fraudulent. Now Im filing a report to have them removed from my credit report.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

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

Company 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, 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 i

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : This letter serves as my formal notice, pursuant to 15 U.S.C. 1692c ( c ), instructing Americas Car ( and any agents, collectors, or affiliates acting on your behalf ) to immediately cease all communication with me regarding the abovereferenced account. Under federal law, once you receive this written notice, you must stop all contact with me except for the limited purposes permitted by statute, including : Advising that further efforts are being terminated Notifying me of specific remedies you may legally invoke Notifying me of your intention to invoke such remedies Any further communication outside of these exceptions will constitute a violation of the Fair Debt Collection Practices Act. I request written confirmation that you have received and will comply with this notice. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I sold my XXXXXXXX XXXX for {$6500.00}. We counted it 3 times in front of the buyer and then immediately drove to our local Wells Fargo for deposit because we were afraid of having that much cash. When my husband placed the bills in the ATM machine it malfunctioned. You have XXXX seconds to put the bills in and remove your hand before it closes on your hand. This has been an issue for months. When my husband placed the bills in the machine and it closed, XXXX of the bills popped up and was not laying flat with the others. Before he could fix it, the machine counted only {$6400.00}. We asked for our money back. Thinking it was stuck somewhere in the machine we tried again. Again it only counted {$6400.00}. Since it was after hours I immediately called Wells Fargo to lodge a complaint. On XX/XX/XXXX Wells Fargo sent a letter in the mail telling us they found nothing when they investigated so our {$100.00} disappeared. I immediatly wrote a letter directly to the branch manager asking to appeal the decision because of four reasons. 1. The machine had been malfunctioning for months. 2. I have been a loyal customer for over 20 years. 3. I provided them proof of the amount I had in hand via the signed bill of sale. 4. Over $ XXXX flows in and out of that account, why would I take the time to lie about {$100.00}? The bank manager never responded.

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Re : Account Number Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Servicer : Resurgent Capital Services Resurgent ID : XXXX Current Balance : {$1200.00} To Whom It May Concern, I am writing to formally request that Profilo Recovery immediately cease and desist all communication with me regarding the above-referenced account, including but not limited to phone calls, emails, text messages, letters, or any other form of contact. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to stop communication, the collector must comply, except as allowed by law. If you believe that I owe a debt, you may communicate only to : 1. Confirm that you will cease further contact ; or 2. Notify me of any specific legal action you intend to take. Any continued contact from your company after receipt of this letterother than as permitted by lawwill be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is simply a request to stop all communications as allowed under federal law. Please govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
This complaint supplements CFPB Case # XXXX. In SoFis written response, they stated that no record was found of advising that the negative reporting would be reversed. However, during a chat interaction, a supervisor informed me that the issue would be corrected. Additionally, during a XXXX phone call, I was advised there were no outstanding late issues on my account. SoFis response does not confirm that all communication channels were reviewed, including chat transcripts and full call recordings. Simply stating no record found does not demonstrate that a reasonable investigation was conducted as required under FCRA 1681s-2 ( b ). This complaint is not a repetition of the original dispute. It concerns the adequacy of SoFis investigation and failure to review all relevant internal communications before concluding the reporting was accurate. I request written confirmation that all chat logs, call recordings, and supervisor notes were reviewed, and I request a full reinvestigation of the 30-day late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
An impersonator of Citi Bank out of NY, NY said that someone utilized my information to open a credit card account. As a result, they further stipulated that they tried to purchase XXXX firearms with the credit card. They furthered the scam by transferring me to the New York FBI office. As a result, I was led to believe that I was involved in a more involved money scam. Under the scam, I released my driver license information. I will be contacting the Georgia XXXX. To obtain a new license and license number. They used the messaging app. XXXX to complete this scam. They ask you to sign a false privacy form. As a result, you will not speak to true authorities. I contacted the real FBI and they informed me it was a scam. My name is XXXX 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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: NJ

Complaint narrative:
I initiated two international remittance transactions through Abound Money Transfer on XX/XX/year> ( Transaction IDs : XXXX and XXXX ). The funds were debited from my U.S. bank account immediately. I was informed the transfer would be completed within 1012 business days, with an expected delivery date of XX/XX/year>. However, the funds were not credited to the beneficiary account within the promised timeframe. Over the next four weeks, I repeatedly contacted customer support via email and app chat. I received inconsistent and contradictory responses at times being told the funds would be credited to the XXXX account, at other times that they would be refunded to my U.S. account. I was repeatedly informed that the case was escalated, but no clear resolution, proof of settlement, or definitive timeline was provided. Even after nearly a month, the transaction status remained in progress, causing financial hardship and distress, as this was a substantial amount needed urgently. I am requesting : Clear confirmation of the current location/status of the funds. Documentary proof of transfer or refund. Immediate credit to the beneficiary account or full refund to my source account. Review of this companys remittance handling practices due to repeated delays and lack of transparency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation