vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - SPRINGOAKS - 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 non-monetary relief
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have received numerous emails from Capital One about a new credit card being sent to me. I never applied for an account, so I called Capital One to get more information. They reported the account as fraud and canceled it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: LA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - 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
Consumer complaint received 2026-03-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX regarding the permanent deactivation of my account and the holding of {$3300.00} of my funds for up to 180 days. XXXX informed me that my account was permanently deactivated due to an alleged violation of its User Agreement. However, the company has refused to provide any meaningful explanation of what specific activity constituted a violation. I have not engaged in fraudulent activity, unauthorized transactions, or any illegal conduct. My transactions were legitimate. XXXX has stated that it will hold my {$3300.00} for up to 180 days for loss prevention purposes. This extended hold is causing significant financial hardship. I have requested clarification, a secondary review, and identification of the specific User Agreement provision allegedly violated, but XXXX has declined to provide details, citing internal monitoring policies. I believe withholding my funds without clear explanation or evidence is unfair and disproportionate. I respectfully request that XXXX : 1. Provide a clear explanation of the alleged violation. 2. Conduct a secondary review of my account. 3. Release the {$3300.00} promptly if no legitimate loss claim exists. 4. Confirm whether any negative reports have been made to external databases or reporting agencies. I am seeking a fair resolution and the timely return of my funds. I appreciate the CFPBs assistance in reviewing this matter.

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have attempted to resolve the account and request accurate reporting and cessation of continued derogatory monthly reporting after settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, my credit score was hit with a collections account from Credence Resource Management in the amount of {$2500.00}. I immediately initiated a dispute through my XXXX account. I next called the debt collector and was informed that the debt is for an ambulance ride provided by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The trip number provided is # XXXX. I informed the debt collector that this was not my debt. I have never been in an ambulance in my life and I have not been in XXXX XXXX in over 15 years. The debt collector initiated a dispute in their system. Next I called the provider directly and informed them that this was not my debt. I also informed them that this is the 2nd time they have tried to collect a debt for an ambulance ride that was not mine. I was informed that the way this company operates is if they can't get the patient 's information at the time of the trip, they run a search through a database to pull the patient 's information. The representative would not tell me how their system selects individuals, but it is clearly not right. This needs to STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
surprise medical bill. insurance should of paid it if it is my bill. but my guess its not my bill. i have a financial hardship right now and can not pay it. please delete it off my credit report and forgive bill due to my financial hardship.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I am requesting regulatory review of an auto loan balance being reported after a total loss vehicle claim that should have satisfied the loan through insurance and GAP coverage. My vehicle, a XXXXXXXX XXXX XXXX was declared a total loss on XX/XX/XXXX. Primary insurance paid {$13000.00} toward the loan balance. I had also purchased GAP coverage at vehicle purchase through the dealership, administered by XXXX XXXX XXXX, XXXX under a Security+Plus GAP Addendum. XXXX XXXX XXXX issued a GAP payment of {$3200.00}. After these payments, XXXX XXXX XXXX reported a remaining balance and ultimately charged off {$8000.00}, while credit reporting now reflects a remaining balance of approximately {$5500.00}. The remaining balance appears connected to force-placed insurance ( XXXX ) that was added to the loan during the same period GAP calculations were being performed. The loan ledger provided does not clearly show XXXX removal entries or a transparent payoff reconstruction. The {$5500.00} figure appears to be manually derived rather than supported by clearly documented accounting entries, creating uncertainty as to what payoff amount was used during GAP calculation. Because GAP calculations rely on accurate payoff figures supplied by the lender, the inclusion of XXXX at the time of calculation likely resulted in an incorrect deficiency amount and an underpayment by the GAP administrator. I was also enrolled in a payment deferment ( XXXX ) program with the lender during a period when I was in XXXX and temporarily behind on payments. I was informed participation in this program would not affect GAP eligibility or coverage. Additionally, I later obtained a civil settlement confirming I was not at fault for the accident that resulted in the total loss. I repeatedly attempted to resolve this matter by contacting the GAP administrator and requesting a written explanation, itemized calculation, and formal denial documentation but was only provided verbal statements and no written breakdown or denial letter. Primary insurance fulfilled its obligation, and GAP coverage was purchased specifically to cover any remaining deficiency following a qualifying total loss. The continued reporting and collection of this remaining balance appears to result from inaccurate payoff accounting and incomplete GAP calculation rather than any remaining consumer obligation. I request : 1. A reconstructed payoff history clearly showing XXXX additions and removals. 2. Written GAP calculation documentation and any denial determination. 3. Correction or deletion of inaccurate credit reporting associated with this balance. 4. Investigation into whether incorrect loan balances were supplied during GAP processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I entered into an auto loan agreement with Global Lending Services and have made consistent monthly payments. However, I have been unable to register or legally operate the vehicle for approximately eight months because there is no valid title available. Without a title, I can not obtain registration or legally drive the vehicle. I have contacted the company multiple times regarding this issue. Despite the unresolved title problem, they continue to demand full monthly payments. I believe it is improper to require full payment on a vehicle that can not legally be used due to documentation issues outside of my control. I am requesting correction of the title issue or a fair financial adjustment for the period I was unable to legally use the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I purchased furniture from Raymour & Flanigan under a six-month deferred payment plan. I was told at the store that there were no monthly minimums, as long as I had it paid off by the six-month mark. I made regular payments until I received a call from TD Bank ( the creditor ) in XXXX claiming I was past due. I explained that I had to just be paid off by the date, but they told me that was inaccurate and that this had been an issue with Raymour & Flanigan. I asked for proof of the fee, and was supposed to hear back. Instead, when I went to the account online, I had an additional fee. I then paid off the total of the furniture and closed the card. TD told me they could waive one fee but not the second.I asked how they can charge a fee while one is being disputed and the proof was never sent. Nothing. Then today I got a ding on my credit for a delinquent account. They now are charging me the deferred interest plus late fees for an account I previously confirmed was closed, and to which I no longer had access. After the SIXTH person, I was told that he could waive the {$40.00} fee that allegedly violated the terms, but not the deferred interest. Isn't that convenient that the fee could be waived AFTER they made sure it allegedly violated the terms? That mixed with the admission from at least three representatives I spoke with that they know Raymour and Flanigan misrepresents the terms seems like a regular practice to get interest on the alleged deferred interest loans, and should be looked into beyond this one case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had an XXXX credit card with Bank of America. They decided to close the account which is not the main reason this complaint. I am writing because I have paid the account in full and when I called into the company to ask for a statement saying that I have paid the account and it had a XXXX balance and I would get no more statements ( because after I paid it off, I got another statement with XXXX more dollars interest again not that big of a deal ), but I wanted to guarantee it was paid off this time. The representative told me OK and then the next morning I got an email with a statement that said I had closed my account which is inaccurate and also it made no reference to the fact I have paid it in full and would not be receiving another bill. I called in again this morning to explain again what I was requesting and the representative told me that no matter what I cant get that document for a month. It is unacceptable for a financial institution to not be able to process a payment and send me a letter or an email within a few days saying that I have paid the account fully and I will receive no more bills from them, and also not lie about the account closure.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XX/XX/year>, there had been transactions on my account that I do not recognize between XXXX merchants totaling at around {$1500.00}. I have made a claim that these transactions were fraud however they are telling me that my claim has been denied because theyre saying that this was a chip and pin transaction. I definitely dont recognize these merchants. The merchants with making multipletransactions on the same exact dates with rounded numbers. I know for a fact that these were not my transactions and Chase bank does not want to help at all. I feel like this is a bigger problem that they are making it out to be. Its obvious that somebody copied my chip or card and have information about my pin number. Either that or Chase bank is not being honest with me about the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase Bank regarding a failed ATM cash deposit and improper handling under Regulation E ( Electronic Fund Transfer Act ). On XX/XX/year>, between approximately XXXX XXXX and XXXX XXXX, I deposited {$7500.00} in cash into a XXXX XXXX ATM located at : XXXX XXXX XXXX XXXX XXXX, IL XXXX United States The ATM accepted and retained the cash. No receipt was issued and no funds were credited to my account. I immediately contacted Chase and filed one claim regarding this incident. The claim was incorrectly processed as a merchant dispute and was denied. Chase representatives informed me that they can not see the transaction in their system and advised me to contact XXXX XXXX. XXXX XXXX informed me that because I am not their customer, the matter must be handled by Chase. As of today, more than 12 business days have passed without provisional credit and without a proper Regulation E investigation. Under Regulation E ( Electronic Fund Transfer Act ), my bank is required to investigate electronic fund transfer errors and provide provisional credit while the investigation is pending. Chase has failed to properly investigate this ATM cash deposit malfunction and has failed to provide provisional credit, causing significant financial hardship. I am requesting : 1. A formal Regulation E investigation. 2. Immediate provisional credit of {$7500.00}. 3. Written confirmation of the investigation findings. 4. Review of the improper claim handling. This matter involves retained cash inside an ATM and requires immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing a debt being collected and reported by National Credit Systems on behalf of XXXX at XXXX XXXX. Although they provided a lease and final account statement, they have failed to provide documentation required under North Carolina law to legally support the charges. Under N.C.G.S. 42-50 through 42-56, landlords must provide a move-out inspection report, itemized damage accounting, and security deposit disposition within 30 days. I never received any of these required notices or documentation. Despite this, the debt collector continues reporting the account to credit bureaus and attempting collection. Additionally, National Credit Systems has never provided validation directly to me after I sent multiple written disputes. They only communicated through credit bureaus and CFPB responses. Under FDCPA 1692g ( b ), a debt collector must cease collection activity and provide validation directly to the consumer before continuing collection activity. Reporting a debt to credit bureaus is considered collection activity. By continuing to report this account without sending validation to me personally, National Credit Systems has engaged in continued collection without proper validation. This may violate : FDCPA 1692g and 1692e FCRA 611 for reporting unverified information North Carolina Debt Collection Act ( N.C.G.S. 75-50 ) North Carolina Unfair & Deceptive Trade Practices Act ( 75-1.1 ) I am requesting the CFPB require the company to : 1. Provide full legal documentation supporting the charges 2. Provide proof of authority to collect 3. Cease collection and delete the tradeline if documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
I was in a car accident in XX/XX/year> and the other parties insurance company is trying to collect payment for the funds that they distributed to their client to have their car repaired. I have already given them my insurance information, but now I am being hassle by somebody who is claiming to represent the national service bureau. He has called me every day for nearly 2 months threatening to have my drivers license suspended if I do not pay the over {$14000.00} that they claim I owe even though I was fully insured for the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
Company started contact on XXXX XX/XX/XXXX at the number XXXX asking for collection of XXXX debt. Was called a second time at XXXX from the number XXXX with the same request. Was called for a third time at XXXX from the number XXXX but at this point I had blocked spam calls. As of today, XXXX XX/XX/XXXX, my mother was called by the company from the number XXXX requesting to speak with me on personal matters.

Company response to consumer: Closed with explanation