vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am seeking a refund for a XXXX XXXX flight ( XXXX, XXXX Code XXXX ) booked through Capital One Travel ( Capital One XXXX XXXX ID : XXXX ) on XX/XX/year>, cancelled on that day by XXXX XXXX. However, Capital One XXXX has failed to credit my account for XXXX weeks. They were saying that the airline, XXXX XXXX, hasn't confirmed that the refund for the domestic XXXX leg was authorized. I've contacted XXXX XXXX ' passenger support and they said the booking was booked via the agency, and the funds would be sent back to the agency 's settlement system after Capital One XXXX provides the details of the booking. Capital One XXXX XXXX front-line agents claim they can not see the refund before XXXX XXXX process the refund, but XXXX XXXX maintains it is an agency-first issue. As a XXXX financial entity, Capital One is either not collaborating for the refund or withholding the funds. I have contacted Capital One XXXX XXXX times. Agents from Capital One XXXX repeatedly state they are " waiting for the airline '' with multiple emails, while the airline said I was supposed to work with the travel agency, and they were waiting for the action by the travel agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Opened a credit card, was paying off, afterwhile in college lost my job, called bank and informed them and didnt spend anymroe money on card and they said they would leave a note on account and alow me to pay at later date once i got a new job, charged account off, paid off account and disputed to have removed from credit report, agreed to remove via XXXX credit builder app, did not remove account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
XXXX is the amount. Open XX/XX/year>. I attempted to reach out to see what my options were. was told about an online pay option but did not receive the info that i requested like why so much and a separate XXXX charge added to my credit by the same company. This debt seems unethical. I was offered help to have this debt cleared for the apartments and they did not accept it the full amount was offered if I were being evicted and had a court date, The church near me would pay the complete amount. after all that the complex would not accept the payment due to some other charges that they threw on the ledger. There are emails and correspondence between me the agency that was going to help me and the property manager I went above and beyond to not get to this point. I wanted my place I took the step to get help and that help was offered to me and yet nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I write to file a complaint against the credit reporting/collection agency that continues to contact me regarding alleged debt. I have requested multiple times that this company provide me documentation providing that debt is specifically the original contract or agreement showing that I consented to sign for this debt.To date The company has failed to provide me any contractor documentation bearing my signature that will legally establish my responsibility for the debt despite their inability to provide proof of a valid agreement. The company to use to contact me in demand payment because they have not provided the original contract or any verification that I agreed to this debt. I will not be moving forward with any payment I believe this continue contact without proper validation of the debt may violate my rights under the federal consumer protection laws included the fair debt collection practices act I requested that the CFPD review this matter to take this appropriate action I will provide documentation of any request as well as records of continue contact if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
On XX/XX/year>, I was notified that my SoFi account was being closed. I was informed that the company could not disclose the reason for the closure. At the time the account was closed, there was a remaining balance of {$290.00} in my account. I was not provided with any prior warning, explanation, or notice of suspected fraud, dispute, or policy violation. I have not been informed of any chargebacks, reversals, or legal holds related to these funds. As of today, the {$290.00} remains frozen, and I have not been given a clear timeline for when my funds will be returned to me. When I contacted customer service, I was again told they could not provide a reason for the closure. I am requesting confirmation of the timeline for release of my funds and the method of disbursement. I am seeking the prompt return of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, MD XXXX XX/XX/year> Capital One CB DISPUTES TEAM, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. I dispute this debt and request that you provide proper validation. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The original account number. XXXX. The amount of the alleged debt, including an itemization of interest, fees, and charges. XXXX. Copies of any documents bearing my signature showing I agreed to assume this debt. XXXX. Proof that your agency has legal authority to collect this debt. XXXX. Proof of your licensing to collect debts in my state. Until you provide the requested validation, you must cease all collection activities and reporting to any credit reporting agencies regarding this account. If you can not provide proper validation, you must delete this account from my credit reports and cease collection efforts immediately. I request that all future communication regarding this matter be in writing. Sincerely, -- - Your Name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX XXXX and the alleged amount owed is XXXX and XXXX I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within XXXX days. Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA TO WHO IT MAY CONCERN, THIS LETTER SERVED AS A FORMAL FOLLOW-UP TO MY PREVIOUS CEASE AND DESIST AND DEBT VALIDATION DEMAND LETTER REGARDING THE ABOVE REFERENCED ACCOUNT. DESPITE MY LAWFUL DEMAND MADE PURSUANT TO 15 U.S.C 1692g OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) AND 15 U .. S.C 1681S-2 OF THE FAIR CREDIT REPORTING ACT ( FCRA ), YOUR AGENCY HAS FAILED TO PROVIDE ADEQUATE LEGAL VALIDATION OF THE ALLEGED DEBT. INSTEAD, YOU RESPONDED WITH A GENERIC SUMMARY OF CHARGES OR STATEMENT BALANCE, WHICH DOES NOT SATISFY THE FEDERAL REQUIREMENTS FOR DEBT VALIDATION. YOUR FAILURE TO PROVIDE THE FOLLOWING CONSTITUTES NONCOMPLIANCE : XXXX. A COPY OF THE ORIGINAL SIGNED CONTRACT OR AGREEMENT BEARING MY SIGNATURE ; XXXX. A FULL CHAIN OF TITLE INCLUDING ALL ASSIGNMENTS AND TRANSFERS OF THE ALLEGED DEBT ; XXXX. A BILL OF SALE OR PURCHASE AGREEMENT PROVING LEGAL OWNERSHIP OF THE DEBT ; XXXX. PROOF OF LICENSING TO COLLECT DEBT IN MY STATE ; XXXX ; XXXX XXXX INFORMATION ( IF REQUIRED BY LAW IN YOUR JURISDICTION ). A BILLING SUMMARY IS NOT PROOF OF DEBT OWNERSHIP OR LEGAL AUTHORITY TO COLLECT. CONTINUED REPORTING OF THIS UNVERIFIABLE DEBT TO CREDIT BUREAUS IS A VIOLATION OF 15 U.S.C 1681-2 ( a ) ( 1 ) ( A ) AND CONSTITUTES THE FURNISHING OF INACCURATE AND INCOMPLETE INFORMATION. ADDITIONALLY, CONTINUED COLLECTION EFFORTS WITHOUT PROPER VALIDATION VIOLATE THE FDCPA, SPECIFICALLY :. 15 U.S.C 1692e - FALSE OR MISLEADING REPRESENTATTIONS. 15 U.S.C 169Rf - UNFAIR PRACTICES. 15 U.S.C 1692g - FAILURE TO VALIDATE DEBT IF THIS ACCOUNT IS NOT PERMANENTLY DELETED FROM ALL CONSUMER REPORTING AGENCIES AND ALL COLLECTION EFFORTS DO NOT CEASE WITHIN 15 CALENDAR DAYS, I WILL PROCEED WITH LEGAL ACTION AGAINST YOUR AGENCY UNDER 15 U.S.C 1681n and 1692k, INCLUDING BUT NOT LIMITED TO STATUTORY DAMAGES, PUNITIVE DAMAGES, LEGAL FEES, AND COSTS. THIS IS YOUR FINAL OPPORTUNITY TO RESOLVE THIS MATER BEFORE I FILE FORMAL COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL, AND PURSUE CIVIL LIGITATION. SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

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 2026-03-02 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: CA

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Furnisher : JeffcapSys Account Number : XXXX Requested Amount : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company : Midland Credit Management, Inc.Company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX : Credit reporting\nIssue : Incorrect information on my credit report/debt collection credit reporting I am submitting this formal complaint regarding Midland Credit Management, Inc.s credit reporting XXXX Midland is furnishing information to one or more consumer reporting agencies that appears inaccurate, incomplete, and/or not reasonably verifiable based on available documentation. As currently reported, the tradeline is materially misleading and is adversely impacting my credit file. I dispute the accuracy of the information Midland is reporting and request that Midland delete this tradeline from my credit reports with Experian, Equifax, and TransUnion. Midland has not provided sufficient, competent documentation to substantiate the reporting, including the specific account status, payment status, remarks/status coding, and the reporting history being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
Purchased a car in XXXX in XX/XX/XXXX and the transmission blew. Communicated with the company about extensive repairs needed to keep the car functional and that I was unable to continue to make the payments every XXXX weeks while paying for a new transmission and surrendered the vehicle. While recently trying to purchase a car in XX/XX/XXXX, I was informed this repossession was still on my credit and that the company was going to leave it on my credit because they feel theyre still accurately reporting the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX of Birth : XXXXLast 4 digits of SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLCXXXX XXXX XXXX XXXX, GA XXXX Re : SECOND NOTICE Failure to Conduct a Reasonable InvestigationDisputed Accounts : XXXX XXXX XXXX XXXX XXXX Dear Equifax , This letter serves as my SECOND FORMAL NOTICE regarding inaccurate and unverifiable information remaining on my Equifax credit report after my initial written dispute. Despite my prior dispute, Equifax has continued to report the following accounts without providing evidence of a reasonable investigation as required by law : XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$110.00} Status : Open Date Opened : XX/XX/XXXX This collection account remains unverified, and no documentation has been provided demonstrating : Proof of contractual obligation Accuracy of the reported balance Authorization to report this account Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Personal Information ( Names & Addresses ) Dear Equifax , I am writing to formally dispute inaccurate personal identifying information currently appearing on my Equifax credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information in a consumers file. Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputed information. At this time, I am requesting the immediate investigation and deletion of any of the following that do not match my current and accurate identifying information : Any incorrect, misspelled, or unfamiliar name variations Any former, outdated, or inaccurate addresses Any incorrect employers listed Any phone numbers not belonging to me My correct and current identifying information is as follows : Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX Any other variations that can not be fully verified as accurate and currently associated with me must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, I initiated a cross-border withdrawal of {$5900.00} USD from my PayPal ( Transaction ID : # XXXX ) to my receiving bank, XXXX XXXX XXXX XXXX XXXX. Typically, PayPal withdrawals to Bank XXXX XXXX are completed within XXXX to XXXX business days. However, XXXX ID # XXXX disappeared for XXXX XXXX before being returned to my PayPal account on XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, I contacted PayPal customer service multiple times to inquire about the status of the withdrawal. Each time, I was told that the withdrawal had been completed ( status : " Completed '' ) and that the funds had been transferred to my receiving bank. I was instructed to contact my bank for further details. Below are partial records of my communications with PayPal customer service ( not exhaustive ) : After the funds were returned to my PayPal account on XX/XX/XXXX, PayPal customer service repeatedly claimed that the withdrawal had first reached my receiving bank before being returned to PayPal. Trusting PayPals guidance, I repeatedly requested my bank to trace the withdrawal during the XXXX XXXX it was missing. Each time, my bank confirmed that no foreign exchange transaction record existed. At this point, I became convinced that PayPal intentionally provided false transaction information and manipulated withdrawal statuses to mislead users, with the apparent goal of retaining users cross-border withdrawal funds for improper gains during the period when bank deposit interest rate was record high in the XXXX. Evidence of Withdrawal Status Tampering : - From XX/XX/XXXX, to XX/XX/XXXX, the withdrawal status was marked as " Completed. '' - After the funds were returned to my PayPal account on XX/XX/XXXX, the status was changed to " Pending. '' Based on these facts, I filed a complaint against PayPals misconduct with the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( Case Reference Number : XXXX ). Following XXXX intervention and investigation, PayPal admitted on XX/XX/XXXX, that Transaction ID # XXXX never reached my receiving bank. Instead, the funds had been stuck at a processing bank for XXXX XXXX before being recalled to my PayPal account. PayPal also acknowledged that all prior transaction information claiming the withdrawal was " completed '' was incorrect. Since PayPals false transaction information was confirmed by its back office team before releasing, there is reason to believe that PayPal engages in systematic deception. The number of affected international users could be substantial as several PayPal users in XXXX reported the similar experience.

Company response to consumer: Closed with explanation