vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am submitting this complaint regarding debt collection and credit furnishing activity by IQ Data XXXX related to a rental account originating from XXXX XXXX XXXX. 

Following move-out, I received charges supported primarily by vendor invoices rather than unit condition documentation. Property management indicated that no photographic documentation of the unit condition was available and could not confirm pet presence despite pet-related charges appearing on the account. 

The account was assigned to IQ Data and furnished to credit bureaus in XXXX of 2024. I disputed the account multiple times and requested validation. Materials provided by IQ Data consisted primarily of lease excerpts and invoices and did not include move-out condition documentation or other evidence substantiating the alleged damages. IQ Data previously stated in response to regulatory inquiry that validation relied on copies of damage invoices confirmed by their client. Publicly available Arizona housing authority guidance reflects that damage claims are expected to be supported by documentation such as photographs and detailed inspection records, rather than invoices alone. 

IQ Data referenced a court judgment related to the tenancy ; however, validation materials did not include documentation reconciling that judgment with the furnished balance or explaining how additional charges were incorporated. 

Account documentation provided by IQ Data also reflects ledger entries posted after the recorded move-out date, including charges dated XX/XX/year>. A substantial portion of these entries are coded as late-related charges. Earlier accounting records available to me do not reflect these entries, and validation materials did not include documentation explaining the timing, calculation, or reconciliation of these charges with prior balances or court-related accounting. 

In addition, I experienced repeated collection communications from IQ Data that I found coercive and disruptive. Calls were placed during work hours, and representatives encouraged me to obtain funds by taking out loans or asking family members for payment. I was advised that failure to pay would negatively affect my credit. Calls continued despite attempts to end the conversations, and the tone contributed to significant distress. The final phone contact was followed by a shift to written correspondence, including a mailed packet rather than continued calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Notice of Inaccurate Reporting and Demand for XXXX XXXX Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime has refused to release the funds from my account that I had in XXXX where I received a payout on my account for around {$55000.00} and I was told my account was due for closure since I violated Chimes policys and terms by depositing more than they allow and spending too much. The asked me for proof of ownership of funds, account info and account stubs, I gave them everything they asked for and I was still denied multiple times, after that I was told to make a new account and reapply and the fund would be transferred to the new account, I tried to make the new account and I was declined again to make an account since the violation from the account they closed along with not releasing my funds to me after the 14 day account closure and still until this day in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America accepted and posted my federal IRS tax refund into a bank account that does not have my name on it and failed to return the funds to the IRS despite a clear name mismatch. 

The IRS confirmed the refund was successfully deposited to a Bank of America account. When I contacted Bank of America, their representative confirmed that my name is not on the account that received the funds, but refused to provide further information due to privacy. 

I informed Bank of America that, per standard ACH/NACHA procedures XXXX a federal tax refund with a payee name that does not match the account holder should be automatically rejected and returned to the IRS within a few business days. Bank of America stated they would not do this and that the IRS would have to initiate a reclamation process to retrieve the funds.

This is not a fraud loss on my part. This is a bank error. Bank of America failed to follow required ACH name-matching and funds handling procedures by crediting federal funds to an account that does not belong to the payee and failing to return the funds upon discovering the mismatch.

As a result, I have been deprived of my tax refund and forced into a lengthy recovery process due solely to Bank of Americas failure to follow standard banking procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: CA

Complaint narrative:
I requested that the company mail me any proof of debt and to please not contact me via email and they continuously spam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has locked my card before i can even use it due to address verification issues. i was told to provide a bank statement, i did so but was told my statement wouldnt be accepted with no clear reason as to why. the clearest reason they gave was that it was from XXXX  XXXX XXXX but i believe the representative was lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally report a case of identity theft involving the unauthorized opening of an account with Capital One using my personal information. This matter was brought to my attention on XX/XX/year>, in coordination with my XXXX XXXX XXXX advocate. A customer service representative from Capital One informed me that I have been held responsible for the account without a formal investigation or receipt of relevant documentation. 

For your reference, please find attached the police report and the identity theft report filed with the Federal Trade Commission ( FTC ). 

In accordance with The Fair Credit Reporting Act, I am requesting an investigation into the matter. I am entitled to have the account closed due to fraud, be released from liability for all activity on the account, and to have the account removed from all consumer reporting agencies files. 

I filed the police complaint and filed the complaint in XXXX also .. here the ref number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint regarding Bank of Americas denial of my debit card fraud disputes. 

On XX/XX/year>, I sold my XXXX XXXX XXXX XXXX via XXXX ( Order ID XXXX ). After the sale, the device was no longer in my possession or control. 

Without my knowledge, my Bank of America debit card remained stored in the devices XXXX XXXX. On XX/XX/year>, the buyer used the XXXX XXXX token linked to my debit card to make unauthorized purchases totaling over {$5000.00}. 

I did not authorize, initiate, or benefit from these transactions in any way. 

After discovering the charges, I immediately reported the fraud and opened three separate disputes with Bank of America ( Claim ID XXXX, Claim amount {$3700.00} and related claims ). I also submitted written appeals and provided proof of the XXXX sale, including payment and payout dates showing the device had been sold one month prior to the fraudulent transactions. 

Bank of America denied all claims, stating that the transactions were made by the cardholder. This conclusion ignores the fact that the device was sold and used by a third party. I specifically requested that the bank verify whether the XXXX XXXX token linked to my debit card remained active at the time of the transactions and provide the results of their investigation. Bank of America did not provide this information. 

Additionally, Bank of America failed to issue provisional credit within 10 business days as required under 12 CFR 1005.11 ( c ) of Regulation E.

Under 12 CFR 1005.2 ( m ), these transactions qualify as unauthorized electronic fund transfers because they were initiated by a third party without my authority and provided no benefit to me. 

I am requesting CFPB assistance to ensure Bank of America complies with Regulation E and properly investigates my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity has now lowered my credit limit on a couple of my cards even though the cards are being paid as agreed. This has negatively impacted my credit score due to the available credit versus the balance ratio on the card. This is a predatory behavior from the company that keeps individuals paying higher fees on charge cards due to its affects it has on the credit file it has on individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
on Thursday XX/XX/year> approximately XXXX XXXX  central time.. I was inquiring with " chime chat assistance '' with a live agent, about a pending transaction, that was supposed to be released, and at that moment the agent was giving me information about someone elses account, albeit there were no numbers given to me in this conversation of the othwr persons account, but when I asked " why did you give someone elses bank information in this chat '' they were avoiding this completely or saying " its just an accident '' " we talk to 2 people at the same time '' meaning MY bank information was going to this other person they were talking to ... help, because I plan on arbitration or if i can actually sue them in open court, this has happened before, and i did actually think it was an " accident '' last time .ill include screen shots.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I requested that the company mail me any proof of debt and to please not contact me via email and they continuously spam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is furnishing inaccurate and misleading information regarding an alleged credit card account originally issued by XXXX Bank and placed into collections in XXXX. 

Despite the age of the account, Midland continues to report monthly collection status updates through XX/XX/XXXX. This ongoing monthly reporting creates the false impression that the account is newly delinquent or actively defaulting, when in fact it is several years old. 

I disputed this account with XXXX  in XX/XX/XXXX. Midland verified the account as accurate but failed to correct the misleading pattern of monthly updates. I specifically requested verification of the alleged debt, proof of ownership, the Date of First Delinquency ( DOFD ), a complete payment history, and documentation supporting the reported balance. 

Midland did not provide this documentation and instead relied on automated verification while continuing to furnish the same information. 

This constitutes inaccurate and misleading reporting and a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). I am disputing the accuracy and manner of reporting, not liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had overdraft fees but as soon as it appeared I funded my account. I made a {$100.00} deposit on XX/XX/year> right away when I saw I was {$79.00} in negative, then integriere the notice my overdraft fees will be waived {$36.00} x 2! I called the same day and requested a supervisor call back, never happened and no fees waived. Then on Monday US bank never makes deposits, so nothing was visible on my account - Tuesday XX/XX/year> I was XXXXXXXX XXXX in negative which included {$180.00} in overdraft fees ( 5x ) I called customer service at XXXX was told if I fund the account I will get the fees waived. I literally ran to the back and added {$1000.00} and nothing got waived, again I requested a supervisor to call me and no call. I requested a total of 6 times to get a supervisor to call me back, never happened. I was told 5 times my fees will be waived. On top of it I got insulted not to waste the representatives time after me spending hours for days fixing this issue. Finally I called again was able to get two fees waived but again the overdraft only happened cause the back charged me 5 times a fee. And still 3 fees arent removed even though I funded the account and was told multiple times its going to be waived. Im a also a female born and constantly get called Sir no apologies, nothing. Discriminating, disrespectful, lies non stop. I am suffering financial and mental distress Fromm US Bank. I have documented all calls and callback requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I paid credit acceptance in according to our agreement and the reporting negative info on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing regarding the account referenced under my name that is being reported by LVNV Funding LLC to the credit reporting agencies. 

This account has been paid in full. However, I have discovered that LVNV Funding continues to report negative information regarding this account on my credit reports. This reporting is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurate information and to promptly correct any information that is incomplete or inaccurate. Continuing to report derogatory information after payment, without accurately reflecting the account status, may constitute a violation of federal law.

I am formally requesting the following : 1. Immediate investigation of this matter.

2. Correction of the reporting to reflect the account as Paid in Full with a XXXX balance. 
3. Removal of any inaccurate or misleading negative remarks associated with this account.

4. Written confirmation of the updates made to all credit reporting agencies. 

If this matter is not resolved promptly, I will consider filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and pursuing any additional remedies available to me. 

Please respond in writing within 10 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
On XX/XX/2025, I executed a full cash transaction totaling {$39000.00} for a vehicle at XXXX XXXX XXXX of XXXX via : {$5000.00} Cash App at XXXX XXXX  {$19000.00} bank wire {$13000.00} bank wire These payments were made directly by me and reflect ownership, not a credit obligation. However, without my informed consent, a Retail Installment Sales Contract ( XXXX ) was created and later unlawfully assigned to Santander XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. 

I never received a bona fide loan disbursement, nor did I authorize Santander to act as a creditor or lienholder. This violates multiple provisions of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z, particularly under 1026.17 1026.18 requiring disclosure of creditor identity and clear terms. Santanders claim to a security interest was not perfected through lawful means and violates UCC 9-203 ( b ) ( no enforceable interest without value given and security agreement ). 

Furthermore, Santander continues to report this account to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S.C. 1692e and 1692f ( 6 ) l engaging in false representation and nonjudicial repossession threats without right or title.

I also submitted formal written notice disputing the debt, invoking my rights under : 15 U.S.C. 1692g ( b ) ( Debt Validation Request ) 15 U.S.C. 1681s-2 ( a ) & ( b ) ( Furnishers Duty to Investigate ) UCC 1-308 / 1-103 reservation of rights without prejudice UCC 3-501 presentment and refusal for lack of authority or valid contract Despite this, Santander has refused to honor lawful dispute and continues attempting to collect, report, and assert lien rights unlawfully. 

I have already filed complaints with the following agencies : CFPB ( this being my third filing on the matter ) XXXX  Office of Consumer Credit Commissioner ( OCCC ) XXXX  State Attorney Generals Office Consumer Protection Division As the rightful owner of the vehicle and purchaser via tender of full lawful consideration, I demand the following : Immediate removal of the lien Correction and deletion of this account from all consumer credit reports Cessation of all collection and repossession activity Refund of all funds paid toward the alleged debt ( {$1100.00} and {$510.00} ) Delivery of the clear title in my name This account is fraudulent, unlawfully assigned, and being enforced in bad faith. I reserve all rights under UCC 1-308 and demand this matter be resolved lawfully and equitably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
there was a transaction of {$500.00} processed on my bank account from my debit card on XX/XX/year>, I reached out to Navy Federal to assist with a fraud investigation and I was advised I allowed the payment but that is incorrect I did not allow that payment, and Im out the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
The loans them self are under investigation because of the lawsuit with the schools them self so my loans are going to be forgiven and the negative reporting to my credit is hurting me financially

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting two weeks ago there was unauthorized charges on my account, so Wells Fargo closed my account and re-issued cards and account numbers and has been restricting access to my account because I changed phones. They have been going back-and-forth giving me access to my account and then taking it away and deleting my transaction history.. They opened up new accounts per their own recommendations.. I am unable to access or use my account and it is causing a lot of stress and anxiety. I am unable to access food or medicine because of this situation.. I have filed a different claim that I can not update. They contacted me regarding my claim and I told him everything looked good because at the time I had access but right after the call, they removed access to my account again they have done this about four or five times and every time I call it its an endless verification and authentication process. Over the course of the past two weeks.. I am Autistic and have difficulty with not being able to get access to my money. I have services I rely on for work that have been cancelled due to having to be issued a new account and furthermore. My Rent is due and I am going to be evicted if I dont pay it. I do not want to be contacted until this issue is fully resolved. Their policies and processes are causing not only confusion but immense stress and strain on my mental health due to the fear of financial insecurity.

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