vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I received a letter XXXX say claim submitted on XXXX was completed for a {$470.00} credit. Only {$410.00} of the credit was applied and interest continues to accrue on the remainder. The BOA fraud department has said the remaining credit would be applied in multiple phone calls within 3-5 days with each follow-up call saying the previous associate did not submit the required paperwork. The supervisor call today, XXXX XXXX, said the letter I received was incorrect and the claim was not completed and only {$410.00} approved, disputing my resolution letter. She agreed that in each previous call and letter I was lied to. XXXX, good news your claim has been resolved. Update On Your Claim Account ending in XXXX Date XX/XX/year> Claim number : Amount : {$470.00} Were happy to tell you that the {$470.00} temporary credit that we gave you earlier is now permanent. This credit includes any interest charges and fees that you were charged. We appreciate your patience while we worked to resolve your claim. If you have a Custom Pay Plan, you can view plan details in Online Banking and in the Mobile Banking app by going to bofa.com/custompayplan. Thank you for being our client

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV 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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems LLC {$440.00} Tried to get debt verified, I never entered a contract with this company. Id like to get a verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX After first complaint. Still no resolution to resolve my issue request. They want to keep funds after almost 5 months. Holding a cashed out check. Even check company has contacted them and no solution has been made!

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 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
XX/XX/XXXXThis is the XX/XX/XXXX debt collection company in XX/XX/XXXXyears falsely trying to collect on debt not owed. I need CFPB legal action immediately as these companies keep selling this false debt to another debt company after I prove the debt is false dates on paid closed accounts. Proof is no phone company releases your phone XX/XX/XXXX ( forward to next courier) unless all debt is paid as it was. I hadXX/XX/XXXX fromXX/XX/XXXX. I just recently changed my XX/XX/XXXX because of harassment. Illegally these debt companies just sell the false debt off to and XX/XX/XXXX orXX/XX/XXXX debt collection after fighting off the derogatory credit reports. Once again I\'m seeing this new " Jefferson Capitol systems " falsely destroying my credit. This will cause damage to my score , health & stress for false multiple attempts to collect over and over by different collection agencies the same debt after being cleared. \n I will hurt with intentional harm if I can find this company and any debt collection agencies participating in this scam. I MEAN HURT AS THEY HURT ME AND MY FAMILY!!'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting verification of the accuracy and lawful reporting of this account. Any data furnished must meet the maximum possible accuracy standard, especially in light of potential data exposure risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the continued reporting of this account. This account has been removed from XXXX nationwide credit reporting agencies following investigation. The remaining bureau continues to report the account despite clear inconsistencies : Equifax has not deleted this report and has since reposted it! This raises concerns about the reasonableness of the investigation conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-19 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: DISCOVER BANK
State: NY

Complaint narrative:
I recently filed XXXX disputes regarding transactions with XXXX. These disputes were submitted because I returned merchandise to the merchant successfully. The merchant acknowledged receipt of the returned items and confirmed that I would be issued a refund, however, I have not received any refunds to date. To support my claims, I provided documentation including the order confirmation email and email correspondence between the merchant and myself confirming the return and promised refund. Despite this evidence, Discover ruled in favor of the merchant. When I contacted customer service to question this decision, I was informed that all three disputes were still under review. This is concerning, as the disputed charges have already been reapplied to my account, even though the cases are supposedly still pending. When I asked that the provisional credits be reinstated while the investigation is ongoing, I was told not to worry and that the matter would be resolved. However, the charges remain on my account, and I am now accruing interest on transactions that are actively being disputed. This situation may also negatively impact my credit. Additionally, the customer service representatives were unable to provide a clear or consistent explanation as to why the charges were reapplied while the disputes are still under review AND while I provided proof of return confirmation from the merchant. I am requesting assistance in resolving this matter, including a review of the handling of my disputes and the reinstatement of the provisional credits while the investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TX

Complaint narrative:
I requested debt validation and they responded with the following The Fair Credit Reporting Act does not require that a furnisher ( whether creditor or collection agency ) prove the consumer owes the debt. In the event of a dispute filed directly with the furnisher, the FCRA merely requires the furnisher to report the result of its investigation to the consumer. See 15 U.S. Code 1681s-2 ( a ) ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: OK

Complaint narrative:
Company is going beyond the list of references and finding old or removed family members and contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I downloaded my credit reports and found account maintained under my XXXX, in my credit reports. Upon further research, I found I don't recognize the COMENITY CAPITAL BANK credit card account so, I want you to remove it from my reports as soon as possible, also provide me the written contract, with my signature for that credit card account for my record and police investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 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: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX placed my account in collections in XX/XX/XXXX on behalf of their client, XXXX XXXX XXXX, claiming I borrowed a loan and failed to repay it. I have never taken a loan from this company. When I requested documentation for the alleged loan, XXXX XXXX XXXX did not provide any proof by mail or through any other method. Despite having no loan agreement, they are demanding {$5300.00} to remove the collection. On XX/XX/XXXX, I learned that the owners of XXXX XXXX know my family and had my name saved in their contacts. While attempting to send money to another individual with the same name, they accidentally sent me {$5200.00} via XXXX. When I received the transfer, I had no way of knowing who it came from. After speaking with the owner, we agreed it was a mistake and that I would return the funds. XXXX XXXX XXXX informed UXXXX XXXX XXXX that they should stop any legal or collection activity against me because we were resolving the matter directly. However, before we could finalize the resolution, XXXX XXXX XXXX had already placed my account in collections without providing any proof of a loan or any documentation identifying their client. XXXX emailed me a copy of XXXX transaction on XX/XX/XXXX while I have been asking for proof of alleged loan since XXXX, XXXX. Please note that I asked XXXX to send me the documents via XXXX mail but they refused to do so. A XXXX XXXX XXXX representative, XXXX XXXX, has repeatedly threatened to take me to court, sue me, and place a lien on my assets. After I blocked XXXX phone number, XXXX XXXX called me from a blocked number and began yelling at me while I was having dinner with my family. His behavior has caused significant distress, and I no longer feel comfortable answering calls from unknown numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Account name ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$40.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$2200.00} A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. I have been working endlessly to get this resolved, but I haven't had any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX regarding a withheld amount of {$1500.00} from my XXXX state tax refund. I was informed by the administrative department that my outstanding balance was {$2300.00}, and I acknowledged this information. Subsequently, I received repeated collection calls from TSI XXXX regarding payment, despite being told that the debt had been resolved. I then received notification from the XXXX XXXX XXXX XXXX that an additional {$1300.00} had been taken from my state tax refund, bringing the total amount collected to {$2800.00}. Based on the information previously provided, this appears to be an overcollection of {$540.00}. I am requesting an immediate review and clarification of this matter. Each year, I continue to experience similar issues involving the withholding of funds, even though I have been advised that no balance remains. The continued reporting of an outstanding debt and the repeated seizure of my tax refund are both concerning and distressing. Please investigate this situation promptly and provide written confirmation of my current balance, if any, as well as an explanation for the additional funds that were collected. I would appreciate your assistance in resolving this matter as soon as possible. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I am disputing the accuracy of the Exeter Finance account appearing on my credit report. This account is being reported as charged-off and closed, yet Exeter Finance continues to report a full unpaid balance and ongoing monthly derogatory payment history well after the alleged charge-off date. This reporting is inaccurate and misleading. A charged-off account should not continue to generate new monthly delinquencies, nor should it be reported in a manner that re-ages the debt or misrepresents its status. Additionally, the Date of First Delinquency is not clearly or consistently reported, making it impossible to verify the legality of the charge-off timeline. Under the Fair Credit Reporting Act, information furnished must be accurate, complete, and verifiable. If Exeter Finance can not provide documentation validating the charge-off date, delinquency timeline, and continued reporting, this account must be corrected or deleted. I am requesting a full investigation and removal of any inaccurate or misleading information associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this formal complaint against Goldman Sachs Bank USA regarding an Apple Card transaction dated XX/XX/year>, in the amount of {$1500.00} at the XXXX XXXX XXXX XXXX location. Despite providing undeniable proof of return, Goldman Sachs has repeatedly denied my dispute using inconsistent and erroneous reasoning. Statement of Facts : The Purchase : On XX/XX/year>, I purchased an XXXX XXXX and an XXXX XXXX XXXX XXXX ( Total : {$1500.00} ). The Return : On XX/XX/year> ( within the 14-day return window ), I returned both items in person. I was issued an official Apple Return Receipt ( attached ) confirming a refund of {$1500.00} to my Apple Card ( ending in XXXX ). The Missing Credit : This credit never posted to my account. Bank Negligence : I have submitted this evidence at least five times. Goldman Sachs has closed the claim multiple times for contradictory reasons, including " insufficient evidence '' and " merchant already provided credit. '' Neither is true ; my statements clearly show the charge exists without a corresponding {$1500.00} credit. Evidence Attached : 1. Official Apple Return Receipt : Dated XX/XX/year>, showing the exact amount ( {$1500.00} ) and the serial numbers of the returned devices. 2. Credit Card Statement : Showing the original charge on XX/XX/year>, and the absence of the refund. 3. Correspondence History : Documentation of my previous attempts to resolve this and the inconsistent denial reasons provided by the bank. Desired Resolution : I demand that Goldman Sachs Bank USA immediately and permanently credit my account for the missing {$1500.00}. Notice of Intent : Let this complaint serve as notice that I have exhausted the internal dispute process. If this matter is not resolved in my favor immediately, I am prepared to pursue formal legal action against Goldman Sachs Bank USA for violations of the Fair Credit Billing Act ( FCBA ) and will seek all available damages and legal fees.

Company response to consumer: Closed with monetary relief