vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was a capital one member with a XXXX XXXX since XXXX, I contacted Capital One about an upgrade to a XXXX XXXX card ( has an annual fee of XXXX ). Promotions for this card advertised a bonus of XXXX flyers miles after spending XXXX on the card for XXXX months. I called to inquire if I would qualify for this bonus as an existing card member. I was told by upgrade agent XXXX times that I would receive the XXXX miles as part of the new card. After the XXXX months, I contacted Capital One and was told that I did not qualify because I had an existing account. I repeatedly asked during the upgraded process if I did qualify and was ensured that I did. I was never told an existing account card would not qualify. I would not of signed up for the card if I had known. Now I can't return to my old card ( which I was told during the upgrade ). Now I am paying XXXX a year and not receiving the benefit I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

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 non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ DATA XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not Your Original debtor and you dont have a signed agreement with them. DELETE LATE PAYMENT 15 U.S. CODE 1666 ( b ) DELETE COLLECTIONS 15 U.S. CODE 1692 ( g ) DELETE CHARGE OFFS 15 U.S. CODE 1681 ( c ) 2 / 1681e ( b ) DELETE REPOS 15 U.S CODE 1681 ( s ) 15 USC 1681- FCRA 15 USC 1692 - FDCPA 15 USC 1601- TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Customer Relations Team, I am writing to formally express my concern regarding the customer service experience I recently had with Bank of America. During my interaction with your representatives regarding a dispute related to unsanitary lodging conditions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive clear or accurate expectations about the process or the support available to me. The representatives I spoke with failed to properly explain the dispute process, timelines, or next steps, which created confusion during an already stressful situation. As a customer seeking assistance after being forced to leave a hotel due to severe sanitation issues, I expected clearer communication and guidance from your customer service team. Proper expectations were not set regarding how the dispute would be handled, what documentation was required, or what protections were available to me as a cardholder. This lack of clarity resulted in unnecessary frustration and delays while trying to resolve a legitimate issue involving unsafe accommodations and financial loss. I believe that customers should be provided with accurate information and clear guidance when seeking assistance with a dispute. Unfortunately, my experience did not reflect the level of service that I expect from Bank of America. XXXX Requested : A review of the customer service interaction and how my case was handled Clear communication regarding the dispute process and next steps moving forward Assurance that proper expectations and accurate information will be provided to customers in similar situations If this matter is not addressed appropriately, I will consider escalating the issue by filing a complaint with the Consumer Financial Protection Bureau regarding the handling of this matter and the lack of adequate customer support. I would appreciate a prompt response regarding the review of this issue and the actions that will be taken.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I went back up to the dealership a few times and asked can I have the warranty information and the wouldnt provide me with it. I was sold the XXXX XXXX XXXXXXXX, the dealership claimed it had no accidents but I'm starting to see evidence of XXXX. The paint is peeling off my bumper like it was never primed before being replaced. The engine sometimes struggles to go into a certain gear rare but it happens. The passenger side front wheel made a grinding noise out of nowhere XXXX day but I haven't heard it since. There are also panels that don't look seamless like a newer car should. There's also zip ties holding certain pieces XXXX. The car fax says there were no accidents but everyone else I talk to can clearly see it. They also told me the car was certified preowned when it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding USAA Federal Savings Banks mishandling of a billing dispute and their refusal to communicate with me during the investigation process. As well as complete disrespect and out right lies regarding an investigation and communication. The dispute involves two duplicate charges to my debit card at {$240.00} each for a total of {$480.00} charged related to XXXX XXXX that I contested in good faith. I followed the appropriate procedures through USAA to dispute the transaction. After initiating the dispute, the matter was escalated to USAAs XXXX escalation office. A representative was assigned to my case, however this individual never contacted me despite multiple phone calls and messages that I left requesting communication and clarification regarding the investigation. Instead of contacting me, USAA closed the dispute and ruled against me without ever speaking with me, reviewing additional information I was prepared to provide, or allowing me to participate in the process. Attempts to reach the assigned case manager were ignored, and USAA has refused to allow me to speak with a supervisor or anyone above this individual. After a month, I was able to finally speak to a gentleman in the XXXX office who was not returning my calls or messages. He lied to me and said he sent me emails which he could not prove ignored my request to see proof of his investigation. Once I explained the situation to him, he completely understood to which I was bewildered. How he can understand after speaking to me, but yet closed the case. He agreed to reopen the case and to have a prompt response to me to which I have yet to receive XXXX weeks later. This conduct raises serious concerns regarding USAAs compliance with the Fair Credit Billing Act and their obligation to conduct a reasonable investigation into disputed charges. Customers should not be denied access to communication during an active investigation. I am requesting the following : A full reopening and independent review of this dispute. Written documentation explaining the basis for USAAs decision. Direct communication with a supervisor or executive-level representative. Reimbursement of the {$480.00} charge if the investigation determines the dispute was improperly handled. A financial Goodwill offering due to the time that I have had to take off of work and my personal time to handle this only yet to be ignored and disrespected. Proof of all activities related to any investigations regarding this instance USAAs refusal to communicate with me while simultaneously closing the case is unacceptable and undermines confidence in their dispute resolution process.

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 2026-03-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding a billing dispute with American Express that has been ongoing for more than six months. The charge in question was billed by XXXX after the expiration of a six-month prepaid service agreement. I did not authorize any renewal or recurring billing beyond the original term. American Express initially accepted the dispute but later denied it after the merchant submitted screenshots and internal records instead of valid proof of authorization. The merchant documentation contains multiple issues : No signed authorization for renewal or recurring billing Screenshots and internal system records rather than a valid authorization record Incorrect business address associated with the transaction Verification information referencing a geographic location inconsistent with my residence and business Additionally, XXXX sent communications offering renewal pricing, confirming that renewal required affirmative consent. During my most recent communication with American Express, a representative acknowledged that the dispute was incorrectly classified and attempted to reopen the case under Unauthorized/ No Authorization. However, I was told the system would not allow the change at that time and that I should reconnect later. Because the dispute was evaluated under the wrong classification and the merchant has not produced valid authorization for renewal billing, I am requesting regulatory assistance to ensure that the dispute is reviewed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I am formally appealing the closure of the dispute regarding a teller cash withdrawal on XX/XX/year> at the XXXX XXXX Branch of Citibank ( case XXXX ). The bank closed this case claiming the transaction was made using my debit card and pin, but I have absolute proof of physical impossibility. However, this is a clear case of card skimming and cloning. Additionally, I have in my possession my original physical debit card ; it was never lost or stolen. At the time of the transaction, I was not in the United States. I am attaching my official XXXX report corresponding to both my XXXX XXXX XXXX. XXXX and my XXXX XXXX XXXX. XXXX and stamped passport pages as evidence that I was abroad, in XXXX, during the entire period this transaction occurred. I am also attaching the FTC Identity Theft Report XXXX. XXXX and the XXXX XXXX XXXX. 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: FL

Complaint narrative:
My wife passed away in XX/XX/year>. I notified US Bank and asked for the account to be closed. I was informed that I was not responsible to pay the debt because it was not a joint account. The collection department of US Bank is now continuing to harass me on a daily basis. They now claim this is a joint account. I have requested documentation to prove this, which they have not provided. When I call US Bank and speak with an account representative they inform me that I have met all the requirements needed and that I am not responsible for my deceased wife 's account because this was not a joint account. I have explained repeatedly that there is no estate in my wife 's name. They repeatedly lie to me to try and collect. Now the past balance due has shown up on my credit report.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I get random calls from this number daily. I answered multiple times and was often hung up on. Today i recieved a call and called them back thinking it was my insurance regarding my XXXX XXXX. I answered and all the person asked was for confirmation details regarding my name and date. I proceeded to ask im worry to get them to repeat themselves in which they just told me they were a debt collector. I asked if they owned the debt in which they declined to answer. I then asked them to mail me a document stating they own the debt, not to call anymore as well as i dont want any third party consumers reaching out. Im not quite sure if this debt has been sold completely, what the debt is or how could i resolve it with the potential person owed this amount if it is true. They got angry and said they would put a negative report and i got hung up. I've been receiving these calls for a while now. Its very annoying and violates my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: SC

Complaint narrative:
This account is the result of identity theft. I did not authorize, open, or have any involvement with this account. Despite multiple disputes and submission of identity theft documentation, the account continues to appear on my credit report as verified. This constitutes a failure to conduct a reasonable reinvestigation and violates FCRA 1681i, 1681e ( b ), 1681s-2 ( b ), and 1681c-2.

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 2026-03-09 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: LA

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains information that appears inaccurate or unverifiable. I have attempted to dispute these items previously, yet they continue to appear without proper validation. The following accounts require investigation : Charged-Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Late Payment Reporting XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The late payment reporting associated with these accounts appears inaccurate or incomplete. I am requesting proper verification of the payment history being reported. I respectfully request that TransUnion conduct a reasonable investigation of these items and ensure that my credit report only reflects information that is accurate, complete, and verifiable. If these items can not be verified with the original creditor or data furnisher, I request that they be corrected or removed in accordance 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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Caller ID showed XXXX XXXX ' but claimed to be from Chase Bank . They called me saying I owed an extra {$250.00} due by XX/XX/year>, even though I'm on a real payment plan with Chase for {$120.00} due every month on the XXXX. They kept pushing me to pay the {$250.00} or sign something new. I didn't give any info or pay. I checked my Chase appplan is still XXXX XXXX monthly, no extra due. I blocked the number, This is a spoofed scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: GA

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 2026-03-09 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: CA

Complaint narrative:
This debt was sent to this company by XXXX XXXX XXXX. The account closed XX/XX/XXXX and I was making payments monthly to them all the way to XX/XX/XXXX totally over {$230.00}. The account closed XXXX of XXXX and I assumed the debt was paid in full since I received nothing from XXXX XXXX XXXX. I received a letter in the mail from the company resurgent capital services stating I now owe over $ XXXX to XXXX XXXX XXXX. This is extremely disturbing since my credit limit on the card was only {$400.00} and I paid it with proof from my checking account. I am not paying anymore money to a 3rd party debt collector since I already feel I paid the debt with XXXX XXXX. I will persue further actions if this debt is not removed off of my credit report asap. Including getting an attorney involved for fraudulent debt collection practices. I asked for further proof of debt and they failed to provide it. Including payments made to XXXX XXXX prior to the account being closed and I had no access to the account and XXXX XXXX had no further recollection of the account when I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I deposited money orders into my business account on XX/XX/year> for {$5400.00} and XX/XX/year> for {$3000.00}. Then I went to the bank on XX/XX/year> to withdraw money from my tax return but was told that my account was on hold. When I spoke to the banker, she said that my account was on hold b/c the money orders were being investigated at the moment and that it would not be resolved until Monday XX/XX/year> but that I still could not withdraw money from my tax return until the situation with the money orders is resolved. I went to the bank today XX/XX/year> to get an update and the banker still has no information for me about how long this hold is going to be on my account and why I am not able to withdraw money from my account at all. Please help with this matter. I would like for the hold to be lifted from my account.

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