vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
b'I have made multiple attempts to resolve this matter and request validation of the alleged debt.\n\nOn XX/XX/XXXX, I sent documentation proving my Utah residency since XX/XX/XXXXvia certified mail (TrackingXX/XX/XXXX Delivery confirmation shows the letter was received. I also contacted the companys compliance department via email and received confirmation that my message was received.\n\nAdditionally, onXX/XX/XXXX I filed formal disputes with allXX/XX/XXXX credit reporting agencies.\n\nDespite these efforts, the company has failed to provide validation of the debt and continues to send collection text messages as recently as XX/XX/XXXX. Continuing collection activity without providing proper debt validation after receiving a dispute violates XX/XX/XXXX of the Fair Debt Collection Practices Act.\n\nI have exhausted reasonable attempts to resolve this matter directly with the company.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am submitting this complaint regarding the forfeiture of Citi ThankYou reward points following the closure of XXXX of my Citi Strata Premier credit card account. A total of XXXX Citi ThankYou points were forfeited on XX/XX/year> after the closure of XXXX of my Citi credit cards. However, I continue to maintain other active Citi credit card accounts that participate in the ThankYou rewards program. At the time the account was closed, I was not clearly informed that the points associated with that account would expire or be forfeited within a specific time frame. After the Citi Strata Premier credit card account closure, my other currently open Citibank credit cards statements and online platform continued to display a single total ThankYou points balance without any breakdown indicating that certain points were tied to a specific card or subject to expiration. There was no visible expiration date, warning, or segmentation of points in my account statements indicating that a portion of the points balance could be forfeited. Because the points continued to appear as part of my total ThankYou balance while I still had other active Citi credit card accounts, I reasonably believed the points remained available for redemption. When I later attempted to access the points, a total of XXXX rewards points had suddenly vanished from my ThankYou Rewards Balance. I contacted Citibank customer service on XX/XX/year> to request assistance. The first representative informed me that nothing could be done and reward points were forfeited due to the closure of the earlier account. I then asked to speak with a supervisor. The supervisor reviewed the matter and submitted a request for reinstatement of the points, noting that I still have active Citi credit card accounts. After waiting for the review period, I contacted Citibank again and was informed that the request had been denied. My concern is that, contrary to the industry norms, the way the points balance was presented to me as a single combined balance without segmentation or clear expiration information may appear misleading to consumers. A reasonable consumer would assume that points displayed in the account remain available while other eligible Citi credit card accounts remain open. Citibanks presentation of the pooled rewards balance did not clearly communicate that certain points were tied to a specific card or subject to forfeiture, despite other accounts remaining active. Attached are screenshots of the combined points balance from an active credit card 's monthly statement before and after the forfeiture as well as ThankYou Points ' recent history.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On Monday XX/XX/year> I began to receive notifications of returned payments for my bills and late fee notices from my landlord. I contacted the bank to see why my funds were not being released to pay these bills and the representative told me that my account was under review with the fraud department and I can get an update within XXXX to XXXX hours. I have called every day twice a day and still can not get an answer as to why the account is under review or when the review will be complete. I have requested for them to expedite their review because I am getting notices from my creditors of missed payments and charged past due fees. Today, XX/XX/year> I just received aXX/XX/XXXX day notice to vacate from my landlord because I have not paid my rent. CitiBank is allowing deposits but not allowing withdraws. Unfortunately, I was unable to change the direct deposit for my paycheck in time and my paycheck was deposited today and I can not access any of my funds to pay my bills.

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assess the provided materials ; the inquiries arrived unexpectedly and might not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing a complaint regarding my account with Huntington National Bank. My checking account was recently closed by the bank due to what they described as risk activity. Before the account was closed, there was approximately {$920.00} in the account. Prior to the closure, I attempted to send money to XXXX XXXX, but the transaction was declined. After the account was closed, the {$920.00} balance disappeared and I no longer have access to the funds. I contacted Huntington Bank and was told the funds may be with XXXX XXXX. I then contacted XXXX XXXX and they confirmed they have no record of receiving this transaction. At this point, the {$920.00} from my account is missing and neither institution is able to explain where the funds are located. I am requesting the following : 1. An investigation into the missing {$920.00}. 2. The ACH trace number for the attempted transaction. 3. Immediate return of my remaining account balance. I would like written confirmation of where the funds are currently located and when they will be returned to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 XXXXXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing the following accounts and inquiries on my credit report : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$610.00} XXXX, XXXX, XX/XX/XXXX, {$7900.00} XXXX, XXXX, XX/XX/XXXX, {$16000.00} NCA, XXXX, XX/XX/XXXX, {$610.00} NET CREDIT, XXXX, XX/XX/XXXX, {$0.00} NORDSTM/TD, XXXX XXXX XX/XX/XXXX, {$10000.00} ONEMAIN, XXXX, XX/XX/XXXX, {$23000.00} XXXX BANK, XXXX XXXX XX/XX/XXXX, {$0.00} TARGET/TD, XXXX, XX/XX/XXXX, {$1700.00} UPGRADE XXXX, XXXX, XX/XX/XXXX XXXX {$7.00} XXXX AUTO, XXXX, XX/XX/XXXX XXXX {$12000.00} INQUIRIES XXXX CARD, XX/XX/XXXX I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act.

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 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
So I leased a cell phone from XXXX XXXX with Acima around XX/XX/year> which was a total of {$780.00}. And I was paying it off for about XXXX months but the payment started to get higher and they started adding extra charges so I contacted them and they said I could just take the phone back to XXXX XXXX and there wouldnt be any issue but about XXXX weeks again I got a call saying I was going to have court and be sued and they wouldnt tell me anything but gave me a Number to call and a account number. When I called the number they said Acima sold them my debt and they were trying to take me to court but they said I could make a payment plan to avoid it. I was very confused because the device was returned and they said it would all be done once I returned it. I agreed to the payment plan out of fear of being sued but someone referred me to reach out to you guys for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T bank charged me {$15.00} overdraft fee for an account that went - {$0.00}. Instead of declining a transaction they charged me an overdraft fee. Date - XXXX2026XX/XX/year>

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I noticed I was charged over {$5000.00} in 1 month for interest. I contacted the company and they said it was a promotion and that when it ended I would be charged a large amount of interest. I was not made aware of this directly. It may have been in fine print but without warning I didnt know about it.

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 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was contacted by a 3rd party solicitating service for cable/internet/phone. I choose to go with XXXX XXXX and service was installed. At a later time another installer showed up from XXXX XXXX I advised the technician that I did not order service from XXXX XXXX. Spectrum had already installed my services at that point. I am being charged for {$100.00} from credit collection services and I would like this to have this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit file without providing any documentation to support the accuracy or ownership of the alleged debt. I disputed the account with the credit bureaus in XXXX and XXXX 2026. PRA verified the account each time without producing any evidence. The bureaus updated the tradeline in XXXX 2026 with the same inaccurate information, including incorrect terms, an unsupported past due status, and an unverified balance. After the reinvestigation, I sent PRA a written request for validation. I specifically requested the original signed agreement, a complete chain of assignment, proof of ownership or authority to collect, and an itemized accounting of the balance. PRA did not provide any of the requested documents. They have continued to furnish the account despite failing to validate it. PRA is reporting information that appears inaccurate, unverified, and unsupported by documentation. Their reinvestigation responses were nonsubstantive and did not address the factual issues raised. PRA continues to update and furnish the account even though they have not demonstrated ownership or provided validation. I am requesting that the CFPB require PRA to provide proper documentation supporting their reporting or remove the account entirely from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was sent an unsolicited invitation to open a checking account with USAA on XXXX25. So I opened an account on XXXX or XXXX. The email stated I would receive a {$200.00} reward if I had a direct deposit within a certain amount of days ( which I did - a {$16000.00} plus direct deposit was made on XX/XX/XXXX ). After several weeks of not seeing the {$200.00} reward, I called to see when I would receive it. I was told that it would be coming in another week or so. I continued to call back every week and was continually told it was coming. In XXXX of 2025, I complained to a representative that it had still not come and asked him to look into it. He did and said the error stemmed from the fact that 2 accounts were opened that first day ( XXXX ) and one was cancelled which was the account that the reward was tied the account that was closed. I explained to him that what happened was when I initially clicked the link from the email sent by USAA to open an account, something went wrong and i wasnt able to complete it. So I called USAA and explained what I was trying to do and the representative said she would walk me through opening an account ( which I did ). She then directed me on how to go online to see the account. It was then that I saw that my initial attempt ( where I thought something went wrong ) had worked and I now had 2 accounts. I asked the representative what to do and she said I should close the first one within 24 hours. She never told me that the {$200.00} reward was tied to that account ( which I obviously would not have closed if Id known since my whole reason for opening an account was to get the reward ). The representative who informed me of why I wasnt receiving the reward said he would file a report to have the situation looked at by an internal USAA XXXX and assured me it would be straightened out. No one ever emailed or called regarding the outcome so I called back and was told the internal group looked at it and that the reward was being denied because I already had a checking account with USAA and the offer was to new customers only. But what they are refering to is the account that I opened that same day on XXXX that never had any activity on it and that I was directed to cancel by them. I escalated my complaint up the chain about the unfairness of this situation and was told the same thing again, that they would not apply the {$200.00} reward. The last communication with them was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I accessed Revco Solutions official payment portal and negotiated a settlement for a XXXX debt placed with them by the hospital. I paid the agreed amount of {$1000.00} immediately by credit card and received confirmation of the payment. I requested written confirmation that the account would be marked as paid in full and that the hospital would update its internal records to reflect a XXXX balance. However, I have not received any written documentation from Revco or confirmation that the hospital has closed the account. I am filing this complaint to request : ( XXXX ) written confirmation from Revco Solutions that the account is paid in full, ( XXXX ) a paidinfull letter for my records, and ( XXXX ) confirmation that the hospital has updated the account to show a XXXX balance and will not pursue or assign the debt again. I acted in good faith by paying the settlement immediately, and I need proper documentation and closure of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MN

Complaint narrative:
I received a call from a " XXXX ''. She declared that the call was being recorded, but when I asked for the name of her company she hung up on me. She did not disclose that she was attempting to collect a debt, and refused to identify her employer despite me making the appropriate request. Per 15 USC 1692c ( 1 ) she is legally obligated to identify her employer. Upon redialing the phone number, I was greeted by another employee who did disclose the company name ( SIMM Associates , Inc. ), but stated that they are not required to disclose such information. " XXXX '' was rude, failed to provide the legally required information, and ultimately hung up on me when I demanded to know her employer. Her behavior and her coworker 's belief that they are not required to disclose their employer demonstrates a pattern of poor understanding of the regulations that govern their work. CFPB should take action against SIMM Associates , Inc. to ensure they adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: U.S. BANCORP
State: CA

Complaint narrative:
I took a flight with XXXX XXXX at the end of XXXX. The flight had a layover and the second part of the flight was canceled. When I called XXXX and were discussion options to resolve the second part of the flight I was offered and agreed to have them cancel the flight and give me a full refund. I ended up spending more getting home than the original flight but felt XXXX did everything they could and I agreed to it. The next day after I was home I get an e-mail notifying me that they had scheduled me for a new flight and I called to find out what was happening. I went back and forth with XXXX trying to resolve this but they no longer wanted to give me a full refund. After getting as far as I could with them over the phone I even talked with an online representative explaining the situation so I would have something in writing. I then disputed the charge with US Bank, explaining the above using fewer words because they limit characters. US Bank denied the dispute because I received the first part of the flight and they refunded part of the total cost of the trip. My issue and dispute was never about not getting a partial flight, it was that I was offered a full refund and accepted and made alternate plans based on that. I talked to US Bank and they refuse to even ask the merchant if they ever offered me a full refund. The call to XXXX said it was being recorded so they could go even further to ask for this evidence. I talked to XXXX US Bank XXXX after they denied the claim and they refuse to address my dispute with the merchant ; that I was offered a full refund and then not given it.

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