vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX i rented and picked up a vehicle from XXXX XXXX XXXX company to be returned the following day on day XX/XX/XXXX ( see attached copy of XXXX rental agreement # XXXX ). According to the rental agreement the total one day rental cost came to {$88.00}. That vehicle was timely returned XX/XX/XXXX. The rental agreement describes the rented vehicle as follows ; rental agreement # XXXX ; XXXX car number XXXX ; plate number XXXX XXXX ; veh discreption XXXX XXXX XXXX XXXX ; odometer out XXXX. I used my huntington bank credit card to rent the vehicle. Almost XXXX months later on XX/XX/XXXX XXXX charged my huntington bank credit card {$6700.00} ( see attachment XXXX ). I had not rented any other vehicles from XXXX and therefore had not signed any other car rental agreements. XXXX claimed the vehicle i rented had not been returned until XX/XX/XXXX. XXXX provided me a bogus receipt for the money charged to my huntington credit card ( see attachment XXXX ). In pertinent part the receipt describes the rented vehicle as follows ; vehicle number XXXX ; vehicle description XXXX XXXX XXXX XXXX ; license plate # XXXX ; odometer XXXX. The vehicle described on the receipt is clearly not the vehicle i rented ( see rental agreement vehicle description ). Consequently it seems clear that XXXX fraudently charged my credit card for some else 's rental ( the receipt also indicates " previous car : XXXX '' which doesn't match the car number on my rental agreement so it appears this might be referring to yet third vehicle? ). in my effort to resolve this matter i have made approximately 15 telephone calls to no avail to both huntington bank and XXXX car rental ( attchment XXXX letter from XXXX bank ). Because of the XXXX charge huntington bank also lowered my credit card limit form {$15000.00} to {$7900.00} ( see attachment XXXX ). Most recently i had opportunity to meet with and speak to huntington bank personnel XXXX XXXX about this matter on or about XX/XX/XXXX. After going over everything involved XXXX XXXX his agreement that i had been wrongfully charged {$6700.00} by XXXX but he was unable to persuade huntington bank to reverse their position of refusing me relief. My on line research in this matter reveals that XXXX has a history of wrongfully charging the credit cards of otgher people exactly the same as what has occurred here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was given a XXXX gift card that was bought at XXXX. Once I received it I tried to check the balance and that it was active. The website that the card gave me would not accept the information from the card and the number they gave me to call said that the card didnt exist in their database so they couldnt help me. The XXXX website gave me a number to call but after waiting for someone to answer the call for over XXXX minutes nobody ever answered me

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 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name Address : NATIONAL CREDIT SYSTEM City, State, Zip : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Debt Dispute Account Number : XXXX To Whom It May Concern, I am writing regarding an alleged collection account that your company is reporting on my credit file. After reviewing my credit report from XXXX dated XX/XX/year>, I discovered that your company is reporting a collection account contributing to approximately {$18000.00} in collection debt. I dispute the validity and accuracy of this alleged debt. I do not acknowledge this account as a valid obligation. Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me regarding this alleged debt except as permitted by federal law. Additionally, I am requesting full validation of the alleged debt. Please provide the following documentation : 1. The name and address of the original creditor. 2. The complete amount of the alleged debt and an itemized breakdown of all charges. 3. Copies of any contract, agreement, or document bearing my signature showing that I agreed to assume this debt. 4. Proof that your company has the legal authority to collect this debt. 5. Documentation verifying that the information being reported to the credit reporting agencies is accurate and complete. If you can not provide the requested validation, you must immediately cease all collection activity and notify all credit reporting agencies to remove this account from my credit report. Please be advised that continued collection activity without proper validation may constitute a violation of the Fair Debt Collection Practices Act and other applicable federal laws. All future correspondence regarding this matter must be in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
So this is a XXXX part complaint. I had debit card fraud after using my debit card for the first time at XXXX subsequently I saw like XXXX XXXX XXXX transactions numerous transactions some small amounts and some big amounts totaling about {$2000.00} completely emptying my account had I had XXXX it would've been XXXX that was used up retrospective. I contacted the debit card associated with Relay financial they reimbursed only half of the amount and the other amount that was fraudulent tied to the virtual card not the actual debit card they refused, which makes XXXX sense as these transactions were within minutes of the others that they refunded. That's the first complaint I appealed it. They declined it again and denied it secondly, the account remain closed. Despite me canceling the debit and virtual card they closed my bank account which was tied to my business and into it for tax purposes and payroll and went into it couldn't access funds into it then terminated my account. I can no longer be with them lost about {$800.00} worth of subscription fees. Additionally, they sent me to the collection agency for an additional {$400.00} and even now I can't move money out of this account that I want to close with relay financial. I've emailed them. I've messaged them on their support and called them numerous times no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is my XXXX CFPB complaint regarding unauthorized charges and overdraft fees on my checking account. The response by Chase is unfair and arbitrary and I am requesting arbitration from the company and my insured money be returned immediately to my account. Chase stated that they refunded some charges but reversed back the others. The charges were all from the same time period which I stated that XXXX days from XXXX to XXXX. All of those charges were from California. I do not live in California and have never been there before and have never had any charges on my account from California ever. I stated that I was in a treatment facility there and provided the letter I was emailed from one of the doctors there. They are contracted. They do not work for the rehabilitation facility. They come in and provide treatment to the patients. Thats the letter I was provided which clearly had the contact information available on the letter. Chase could have contacted the doctor to see if I Indeed was a patient there. They have my permission. I will also include my claims from my insurance company billing me for being a patient there at that time. It was also stated that I did not dispute all transactions during that time which is completely a lie and I request to have the cfpb make Chase pull all of my phone calls because I disputed all transactions during that time except for the XXXX or XXXX deposits ( not withdrawals ) because they were done by my family. I know who sent money to my account because I was informed however that doesnt mean that I authorized any of those transactions in which I disputed. Again my phone and belongings were confiscated and given back to me upon my release XXXX days later. I also have someone out there in California trying to access my XXXX account. Please refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
It was the XXXX rental increase at the property in XXXX years. I couldn't no longer afford it. I notified landlord and moved out before an eviction was started my deposit was taken for the month of leaving. After there was also 2 months of rent added to my credit history due now as debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and their continued reporting of an alleged debt on my credit report without proper validation. This account is currently being reported as an open collection. Timeline : Approximately XXXX XXXX ago, this alleged debt originated from a credit card account with the original creditor. The debt has reportedly been sold and/or transferred multiple times. LVNV Funding is currently reporting the account as an open collection on my credit report. I have disputed this account directly with LVNV Funding and requested proper validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically, I requested : A copy of the original signed agreement A complete chain of assignment showing all transfers from the original creditor to LVNV Funding Documentation demonstrating LVNV Fundings legal ownership and standing to collect A full accounting of the balance In response, LVNV provided only a generic billing statement. They did not provide any documentation establishing a complete chain of title or proof that they currently own this specific account. A billing statement alone does not establish legal ownership or standing to collect. Despite failing to provide adequate validation, LVNV continues to report this account as an open collection to credit reporting agencies. I believe this conduct constitutes : Reporting of disputed and unverified information Failure to provide proper validation under the FDCPA Inaccurate credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Additionally, LVNV has been difficult to contact and has not meaningfully responded to prior attempts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I guess XXXX XXXX old bought the debt and has been sending threathing information including lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX 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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I opened a XXXX XXXX co-branded credit card issued by Barclays. When the card was issued, the bank created a new XXXX XXXX loyalty account instead of linking the card to my existing account. My original XXXX XXXX account ends in XXXX. However, during the credit card setup process another XXXX XXXX account ending in XXXX was created. According to the email I received from the card issuer, the credit card welcome bonus miles were deposited into that second account. The problem is that the second loyalty account can not be accessed and XXXX XXXX states they can not locate it in their system when searching by my email or phone number. As a result, the bonus miles and benefits associated with the credit card are currently inaccessible. Because of this account linkage error : The credit card benefits can not be properly used. The bonus miles issued through the credit card are not accessible. I have already paid the annual fee for the credit card. I have spent several months attempting to resolve this issue with XXXX XXXX and filed a complaint with the U.S. Department of Transportation Office of Aviation Consumer Protection earlier this year. Despite this, the issue remains unresolved. This problem appears to have been caused by the automated loyalty account creation process during credit card issuance. I have contacted the airline multiple times and provided the two account numbers involved many times, but the accounts have not been merged and the credit card benefits remain inaccessible. I am requesting that the bank review the loyalty account associated with the credit card and correct the account linkage so that the credit card benefits and miles are posted to my correct XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX, XXXX we filled out our buyer engagement letter for a house we were closing on XXXX XXXX. Shortly after we filled out the buyer engagement letter we were sent an email from a now identified fraudulent account with the same name and signature block as our Attorney we have been working with. They knew our information of when we were closing and the amount we needed to pay ( later finding out that these scammers somehow accessed/hacked either the attorneys or lenders email ). We followed through and wired our closing costs for the house to the fraudulent account on Friday XX/XX/XXXX. This wiring account name on file was our attorneys name XXXX ( so it was a business bank account ) On XXXX XXXX ( 1 day after closing ) the attorney said they did not receive our money which was shocking to us. So we called our bank ( XXXX ) to dispute and recall the wire. We also tried speaking to the receiving bank at Wells Fargo. I was not given any further information on the matter but Im just being told its under investigation. My attorney is now working his avenues to see what can be done. I have already filed a complaint with IC3 and now you guys. The bank information the money was fraudulently wired to will be listed down below : Account name : XXXX XXXX, XXXX Bank : Wells Fargo Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Respectfully, XXXX 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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My accounts have been compromised on more than one occasion by someone using the banks online portal to move money between my external accounts and then move the money to outside sources via the app or online portal. Due to the suspicious activity. The decision to close my accounts and boot me out of their banking system has been made. I did nothing wrong. I alerted them when I noticed suspicious activity. Worked with them on resolution. Allowed them to change my account numbers etc. and the activity would start again. I am not receiving any explanation. I am not receiving any info on the suspected activity. Just notice that a violation occurred. I restate that I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

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 2026-03-11 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: GA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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