vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I opened a checking account and savings account on XX/XX/XXXX with First Horizon Bank under the promotion of {$700.00} bonus upon completion of 2 requirements, first requirement being {$2000.00} in direct deposits within 90 days, the second requirement of maintaining {$3000.00} of XXXX XXXX ' in the Savings account for 90 days. Upon opening account, I deposited a check for {$3000.00} and the tell at the branch steered me ( violation of regulation CC ) into depositing the check into the checking account with a 10-day hold on XX/XX/XXXX ; I asked her if this would affect my bonus for maintain the {$3000.00} in the savings account for 90 days and she said no, that i could transfer the funds when the check hold lifts into the savings, which again, I was steered and given no choice but to deposit check into Checking. on XX/XX/XXXX, the hold on the funds was lifted and i transferred the funds to the savings account and kept it there untouched for 90 days, which during this time i also directly deposited XXXX XXXXXXXX from my employer, satisfying both requirements to receive the full {$700.00} bonus ( {$450.00} for direct deposit, {$250.00} for $ XXXX in savings for 90 days ). On XX/XX/XXXX i received a bonus of {$450.00} stating i had completed the direct deposit requirement, but not the {$250.00} additional. I called and they told me that because the funds were deposited into the checking FIRST, that the money was not considered " XXXX XXXX '' when it was transferred into Savings. Again, i was steered and given no choice but to deposit my {$3000.00} into checking, but when the hold lifted i immediately transferred into savings and kept it there untouched for 90+ days. I have satisfied both requirements for the full {$700.00} bonus and it is being partially withheld erroneously. They violated Reg CC by steering my check into checking rather than savings, and now are not giving me the full bonus and the additional {$250.00} that is owed to me for maintaining {$3000.00} in the savings for 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

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 2026-03-04 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: Possible Financial Inc
State: PA

Complaint narrative:
Re : Account Reinsertion Without Proper Notice FCRA Violation To Whom It May Concern, I am writing regarding the account listed as : Creditor : Possible XXXX Account Balance : {$630.00} Date Opened : XX/XX/year> This account was previously removed from my credit file after my dispute. It has now been reinserted. Under FCRA Section 611 ( a ) ( 5 ) ( B ), if a deleted account is reinserted, the credit bureau must : Certify the accuracy of the information, and Notify me in writing within 5 business days of reinsertion. I did not receive proper written notice of reinsertion. Additionally, I previously submitted an identity theft report with the FTC. Under FCRA Section 605B, information resulting from identity theft must be blocked within 4 business days. I am demanding : Immediate deletion of this account Written confirmation of deletion Documentation showing how this account was verified If this matter is not resolved, I will file a complaint with the CFPB. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had this card ( XXXX XXXX American Express ) for 20+ years. I have been saving my XXXX XXXX Points for several years. I accumulated XXXX points to use for a vacation. When I went on AmEx the other day all my points were gone and I had {$29.00} and change in cash back. I called and was told they discontinued my card and replaced it with a XXXX XXXX XXXX and they gave me a credit on my card for my accumulated points. Here is where the problem begins. If I used my points for travel the points were {$100.00} for every XXXX points. For cash back it is {$100.00} for every XXXX points. Since they gave me the cash back they only gave me {$2600.00} where if I used it for travel it would have been {$3400.00}. They claim to have sent a letter and email in XXXX which I never received. Even with that notification they only gave me a few months to find and book a vacation. Coincidentally I did book a vacation in XXXX so had Ill known they were going to take my points, I would have used them. I was on the phone for over an hour and was told there is nothing they can do. I dont think its fair that they discontinued the card and what they did was to my detriment and their advantage. I followed the rules set forth. How do they get to change the rules in the middle of the game. So unfair! I am going to attach the last statement with my points and the next statement where my points are gone, where they applied the credit and proof that i booked a vacation and would have used those points had they not stolen them from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally protest the unfair closure of my personal and business accounts including why abruptly this was closed without any consideration or notice before hand. I had the citi business aa ending in XXXX and my citi XXXX XXXX card ending in XXXX. I have been a loyal customer for a long time and have always maintained my account in good standing. The notification provided no specific, valid reason for this abrupt termination, which I believe is unjust. When i emailed and called citi on the reason, they gave me a generic response that it is within their right to shut me down. They mentioned charges and payments did not comply with their terms and conditions. I asked for a list of charges and payments to my account that caused the shut down and they responded back with this : " We understand that you are displeased with the closure of your CitiBusiness / AAdvantage Platinum Select account ending XXXX and your Citi XXXX XXXX account ending XXXX ; however, our position remains unchanged. As stated in the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we may close or suspend your account for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' This has caused me much financial distress and heartache as this was one of my primary accounts that i used. It is totally discriminatory and unfair and I want my accounts opened

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nLast four of SS : XXXX\nSubject: Debt Verification Request and Credit \nReporting Dispute Jefferson Capital Systems\n\nI am submitting this complaint regarding Jefferson Capital Systems for reporting an alleged collection account on my credit report that I dispute.\n\nThe account is listed as Jefferson Capital Systems with the original creditor identified as XXXX in the amount of XXXX. This account is currently being reported as a collection account on my XXXX credit report.\n\nI dispute the accuracy and validity of this alleged debt. Jefferson Capital Systems has reported this account to the credit bureaus without providing proper verification that the debt is valid or that they have the legal authority to collect and report it.\n\nUnder the Fair Debt Collection Practices Act (FDCPA 809) and the Fair Credit Reporting Act (FCRA 611), I am requesting full validation of this alleged debt.\n\nI request that Jefferson Capital Systems provide the following documentation:\n\n A copy of the original signed contract or agreement with XXXX showing that I am legally responsible for this debt \n A complete and itemized account statement explaining how the balance of XXXX was calculated \n Documentation proving Jefferson Capital Systems has the legal authority to collect this debt, including the purchase or assignment agreement \n Proof of the chain of assignment showing the transfer of the alleged debt from XXXX to Jefferson Capital Systems \n The date of first delinquency associated with this account \n Verification that the information being reported to the credit reporting agencies is accurate and complete \n\nAt this time Jefferson Capital Systems has not provided proper documentation validating this debt while continuing to report it to the credit reporting agencies. Reporting unverified or inaccurate information may constitute a violation of the Fair Credit Reporting Act.\n\nIf Jefferson Capital Systems cannot provide the requested documentation validating the debt and their legal authority to collect it, this account must be removed from my credit report immediately.\n\nI am requesting that the Consumer Financial Protection Bureau investigate this matter and require Jefferson Capital Systems to either provide full validation of this alleged debt or permanently delete the account from my credit report.\n\nSincerely, \nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
JEFFERSON CAPITAL SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYS 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 2026-03-04 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I placed an order online at XXXX XXXX XXXX for some pre-order items that were supposed to be delivered on or around XX/XX/year>. The order was significantly delayed multiple times. I called multiple times requesting information about the order and received delay emails about the order. On XX/XX/XXXX I called about the return or cancellation of the order. They advised me that I will be able to return or cancel this order. On XX/XX/year> I received part of the order. I initiated a return of this order and sent it back via mail. On XX/XX/year> I called to cancel the other half of the order due to not receiving it. The woman on the other line advised me that the order will be canceled. I received an email a couple of hours later stating that unfortunately the item has been processed for shipment and can no longer be canceled. That same email then goes on to explain that I can send it back for a refund or bring it back to a local store. The second half of the order finally arrives on XX/XX/year>. My expected reception date was XX/XX/year>. The first half of the order was sent back to me with a letter inside stating that I can not send the item back. The second half of the order I brought back to a local store of theirs and they told me that they are not taking it back. I then filed a dispute with the bank who denied my claim and told me that I have to deal with the vendor directly in order to situate this problem the vendor will not work with me. TD bank will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: New Century Auto Sales, Inc.
State: IN

Complaint narrative:
I saw interest in XXXX when I saw their advertisement online and family referral. I filled out online for inquiry, and was contacted by text message for an appointment XX/XX/year>. Their website advertises good credit, bad credit, or no credit accepted. The salesmans directed stated that they work with all credit, good credit bad credit no credit to get approvals. That they specialize in assisting in all situations. XXXX used my social security card in this transaction, and denied me extension of my credit. This transaction affected my credit, and instead of acting in good faith, XXXX robbed me of my liberties. I believe by the demeanor of the financial officers, that they may be committing fraud. I believe that I was approved on the extension of my credit. I believe XXXX exploited their fiduciary role in this consumer transaction. XXXX stated that they require no money down, and the salesman stated that a down payment would increase the odds of approval. I offered XXXX dollars for a down payment. After denial, for reconsideration a down payment of XXXX dollars would be the amount to receive approval. XXXX used deceptive tactics and showed no remorse or understanding. I requested a copy of my application and they refused to service. I requested an adverse action letter, and they refused to service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Midland Credit Managements attempt to collect and report an alleged debt associated with XXXX XXXX XXXX XXXX XXXX XXXX On or about XX/XX/XXXX, I received a collection letter from Midland Credit Management claiming that I owe {$710.00} on an alleged account originally associated with XXXX XXXX XXXX. The letter stated that the debt is valid, due and owing and requested that I begin repayment or establish a payment plan. Prior to receiving this most recent letter, I had already sent multiple written disputes and requests for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I sent validation demand letters to Midland Credit Management on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each of these letters formally disputed the alleged debt and requested proper validation. All three letters were sent via certified mail with return receipt, and I have documentation confirming that Midland Credit Management received them. Despite receiving these validation requests, Midland Credit Management has not provided adequate validation of the alleged debt. They have not produced documentation such as the original signed agreement with the creditor, a complete payment history from the original creditor, an itemized breakdown of the balance, or documentation showing that Midland Credit Management legally owns or has been assigned the debt. Instead, the company continues to send collection correspondence and report the account as a collection on my credit reports with XXXX XXXX XXXX XXXX. The account is currently being reported in XXXX and is negatively affecting my credit profile. Because the debt has been formally disputed multiple times and proper validation has not been provided, I believe Midland Credit Managements continued collection activity and credit reporting violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires collectors to cease collection activity until the debt has been properly validated. Additionally, reporting a disputed and unverified debt to consumer reporting agencies may violate the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ), which require furnishers of information to ensure the accuracy of information reported and to conduct a reasonable investigation of disputes. I am requesting that Midland Credit Management either provide full documentary validation of the alleged debt or immediately delete the account from all consumer reporting agencies. I also request that the company cease all collection activity until proper validation is provided as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Validation of Debt Request - CAINE & WEINER - 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
XX/XX/year> Velo Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX XXXX, Please provide validation for the debts referenced above under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive prior correspondence regarding these accounts until they appeared on my credit report. For each file number, please provide the following : - Identity of the current owner and original creditor - An itemized breakdown of the total amount, including principal, interest, and fees - Documentation of the incurred debt, such as the original contract or statements - Proof of your authority to collect, including assignment or right-to-sue documentation - The original default date and current statute of limitations status - A record of any payments or credits applied to the accounts - Evidence of your authority to report to credit bureaus and any associated tradelines - Confirmation that you have notified the credit bureaus that these accounts are in dispute Please respond in writing within 30 days. Until this validation is provided, please cease all collection activity and reporting, and refrain from filing any lawsuits regarding these matters. If you require additional information to locate these accounts, please contact me at the address or phone number listed above. All future communications must be in writing. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One to request hardship assistance due to financial difficulties. Instead of offering options or working with me, I was informed that my credit card account had been closed. I was placed on hold for over 20 minutes and was only told after the fact that my card was permanently closed, and that I would continue being billed. I was not offered any repayment plans, reduced interest options, or hardship programs before closure.

Company response to consumer: Closed with explanation