vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was in the process of getting a mortgage with U.S. Bank ( XX/XX/XXXX ) and the loan XXXX said if I opened a checking account with the bank, I would get a discount on my closing costs. Depending on the amount deposited, I would also receive money. I deposited {$2500.00} and opened the account. I already have paid off a boat loan XXXX years earlier that the time financed. In addition, I have a credit card with the bank ( never been late and pay off each month ). XX/XX/XXXX, I received an email stating my checking account balance was below {$100.00} ( I have never used the debt card linked to the account or made any withdraws ). After many calls, I finally talked with a person that said the account was closed due to fraud suspicion. She gave me no other information other than that and said someone would be contacting me. I did receive a letter stating that I needed to email a copy of my driver license, social security card, and proof of the deposits. I called the bank and they confirmed that indeed was needed. I sent the information and still no refund. I have called many times and get the same information. I even wrote a letter explaining I have a current mortgage and credit card with the bank. What can I do to get my money?

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, 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 XXXX 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 li

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX Account ending XXXX XXXXXXXX was compermised Concora Credit on XXXX. I received and email stating that changes to my Indigo Mastercard account had been complete. THESE CHANGES ARE UNAUTHORIZED and or FRADULENT. I spoke with company repensentative XXXX - at XXXX who as also able to see the unauthorized changes made moments prior to my call. Because I've had XXXX previous security breeches with Concora Credit I request that the account be closed immediately with no negative impact to my credit report. My email is NOT : XXXX My phone number is NO : XXXX My address is NOT now NOR has it EVER BEEN : XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Debt Validation Request - FDCPA XXXX ( b ) To Whom It May Concern, I am in receipt of your reporting of an alleged debt on my consumer credit report. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Until proper validation is provided, you must cease collection activity, including furnishing information to any consumer reporting agency. Please provide the following : XXXX. The name and address of the original creditor XXXX. A copy of the original signed contract or application bearing my signature XXXX. A complete itemized statement showing how the amount was calculated XXXX. The date of first delinquency XXXX. Documentation showing you have legal authority to collect ( chain of assignment ) XXXX. Proof you are licensed to collect in my state XXXX. The name of the individual who verified the account Be advised that reporting a debt to a consumer reporting agency without providing validation after a dispute constitutes continued collection activity and violates 15 U.S.C. 1692e ( 8 ). If you can not provide the requested documentation, you must immediately delete the account from all consumer reporting agencies. Failure to comply will result in a complaint being filed with the Consumer Financial Protection Bureau and the Office of the Attorney General * this letter was mailed in time accordance with no response in legal time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing in response to your communication dated [ insert date ] regarding the alleged debt referenced above. This letter is not an acknowledgment of any debt, nor a promise to pay. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. XXXX. The name and address of the original creditor. XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. XXXX. Proof that you are legally authorized to collect this debt, including your license or registration where required. XXXX. Documentation showing that this debt is within the applicable statute of limitations. Until you provide the requested validation, please cease all collection activity, including reporting this account to any credit reporting agencies. If this account has already been reported, please note that it is disputed. All future communications regarding this matter should be made in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I purchased a service contract through the dealer at the time of financing my vehicle. The contract is administered by XXXX XXXX XXXX. I recently contacted XXXX XXXX XXXX and was informed that my service contract is active. However, I was told that I must contact the selling dealer, XXXX of XXXX, for assistance and to use the benefits of the contract. I have attempted to contact the dealer multiple times by phone but they do not answer and have not responded to my requests. As a result, I am unable to use the service contract benefits that I paid for. I am requesting assistance in resolving this issue so I can either properly use my service contract benefits or receive appropriate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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 filing a complaint against Portfolio Recovery Associates regarding an alleged debt they claim I owe. Account Number : XXXX Claimed Amount : {$940.00} Date of My Written Dispute : XX/XX/year> I formally disputed this alleged debt in writing and demanded full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I requested original documentation supporting the debt, including : A fully itemized accounting of the {$940.00} balance A copy of the original signed contract or agreement Complete chain of assignment / proof of ownership Detailed payment history Name and address of the original creditor Proof of legal authority to collect Documentation of any credit reporting related to this account I specifically stated that summary statements or generic account printouts would not satisfy validation requirements. I requested original or verifiable documentation. I did not receive any response to my dispute. If Portfolio Recovery Associates is continuing to collect or report this account without providing proper validation, this may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e, 1692f ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Failure to respond to a timely written dispute while continuing collection or reporting activity is improper and harmful to my credit. I am requesting that Portfolio Recovery Associates be required to : Provide full and lawful validation of the alleged debt ; OR Immediately cease all collection activity ; Delete the account from all consumer reporting agencies if they can not properly validate it ; Ensure the account is clearly marked as disputed while under investigation. I am requesting a full investigation and corrective action to ensure compliance with XXXX law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: PA

Complaint narrative:
Abound app, I send money through this app and the transactions numbers XXXX and XXXX and I send on XX/XX/year>, they promised me to send in 4 days but they keep changing the dates and my funds are not not received at the receiver end, regarding this I mailed 5 times abound team ask me to upload the XXXX bank statement after I uploading there is no response from them and its been 25 days please help me to recover my money because I send XXXX dollars with 2 transaction 's .. my money is stuck thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am writing in response to your communication dated [ insert date ] regarding the alleged debt referenced above. This letter is not an acknowledgment of any debt, nor a promise to pay. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. XXXX. The name and address of the original creditor. XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. XXXX. Proof that you are legally authorized to collect this debt, including your license or registration where required. XXXX. Documentation showing that this debt is within the applicable statute of limitations. Until you provide the requested validation, please cease all collection activity, including reporting this account to any credit reporting agencies. If this account has already been reported, please note that it is disputed. All future communications regarding this matter should be made in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I prequalified for a capital one credit card. I was provided with multiple cards I prequalified for. Since I liked a card I prequalified for I went ahead and accept the credit card Savor act XXXX XXXXXXXX offer. I was approved instantly for {$1000.00}. Everything was fine and the card was shipped out on XX/XX/XXXX. On XX/XX/XXXX I get an email stating that the account had closed to do suspicious activity. I then proceeded to reach out to Capital one in which they sent me over to the fraud department. They stated that reason for the account closure was due to fraud activity on XXXX of my other accounts I have with them in which they stated it was an old account ending in XXXX that was charged off previously. Well the card was not charged off it was settled and paid for. So the fraud department transferred me over to the recovery department to inquire about the account ending in XXXX and was told that the account was settled and there was nothing that needed to be done. They were not sure why I was transferred over there. In which I asked for documentation that it shows that the account was settled and the rep stated they were going to email me documentation showing that. My issue is I took a hit on my credit report as an inquiry for this account. Capital one has not provided a correct reason or proof of fraud on my account for this account closure and I want the details regarding the reason they decided on closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/year> XXXX for some XXXX XXXX we talked through XXXX he showed me showed me everything sent voice messages how legit was time all this I have screenshots and when I sent the money he just stopped texting I sent it through Zelle I beuvevthey said his bank was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/year> I received an email from Concora Credit that information for my XXXX account ending XXXX successfully updated. These changes and or updates were unauthorized and or XXXX. I contact Concora Credit at XXXX and spoke with representive XXXX, who was able to see the unauthorized changes on her end as well. XXXX further stated the account was already closed due to inactivity and that I shouldn't worry. For the record I am stating I have not re-opened an account. My email address is NOT : XXXX I have never resided at : XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding an alleged debt they claim I owe. Account Number : XXXX Claimed Amount : {$940.00} Date of My Written Dispute : XX/XX/year> I formally disputed this alleged debt in writing and demanded full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I requested original documentation supporting the debt, including : A fully itemized accounting of the {$940.00} balance A copy of the original signed contract or agreement Complete chain of assignment / proof of ownership Detailed payment history Name and address of the original creditor Proof of legal authority to collect Documentation of any credit reporting related to this account I specifically stated that summary statements or generic account printouts would not satisfy validation requirements. I requested original or verifiable documentation. I did not receive any response to my dispute. If XXXX XXXX XXXX is continuing to collect or report this account without providing proper validation, this may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e, 1692f ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Failure to respond to a timely written dispute while continuing collection or reporting activity is improper and harmful to my credit. I am requesting that XXXX XXXX XXXX be required to : Provide full and lawful validation of the alleged debt ; OR Immediately cease all collection activity ; Delete the account from all consumer reporting agencies if they can not properly validate it ; Ensure the account is clearly marked as disputed while under investigation. I am requesting a full investigation and corrective action to ensure compliance with XXXX law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I was accused of stealing money from my own spouse I am definitely filing a law suit for defamation of my public image. I am a XXXX XXXX of XXXX XXXX and was authorized to use the debit card per my spouse. My spouse is a XXXX XXXXXXXX, my XXXX payee rep and a XXXX XXXX. He transferred money because he was going to close his account and stick with XXXX. Yet I was accused of fraud. To accuse someone of stealing is wicked and evil to the core. To refer to XXXX 's elect as a kept boy is what defile Santander. Enclosed is photos showing that I am innocent. In closing XXXX hates pride and if an apology is not issued I am suing... XXXX is the representative that treated me like a bond servant and also lied on me.

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 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There's a duplicate payment of my balance ( that honestly don't think I did it ) on XX/XX/XXXX of {$190.00}. Once I found out I reached their TJX Rewards Platinum Mastercard chat services and they mentioned a check was sent and will be received in XXXX to XXXX business days. After waiting more of XXXX business days I reached them again on XX/XX/XXXX by their TJX Rewards Platinum Mastercard chat services, they gave a phone number to reach, I call them and explained them I didn't receive my refund check, they " updated the addres '' and told me again that a check will be sent by mail in XXXX to XXXX business days. I reached them today XX/XX/XXXX through their TJX Rewards Platinum Mastercard chat services and told me they will do an investigation that will take XXXX weeks and after that if I dind't cash the check they will send XXXX again which will take XXXX to XXXX business days.

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