vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express sent a man to my house at XXXX on cameras beating on my door forcefully. He was on property and cameras for XXXXXXXX XXXX before finally getting in his vehicle and leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
I went to court on XX/XX/year> for case number XXXX. It was resolved as I made payment arrangements that day. Today, I received a new letter from Buffalo & Vallejo requesting the court date be moved to XX/XX/year>. The date on this letter was XX/XX/year>, XX/XX/XXXX days after this case had already been settled in court. I am also forwarding this new information to the XX/XX/XXXX State Bar Association as well as the State Attorney Generals Office to report these unfair and unjust legal practices.

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 is not yours
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
In XXXX of XXXX a collection account from LVNV Funding appeared on my credit report for {$810.00}. Prior to this date I did not have any collection accounts on my credit report. I have XXXX XXXX and check my credit report weekly. I called LVNV funding to inquire as to the collection account and they said it was a credit card with XXXX in my name opened in XXXX of XXXX. I informed LVNV Funding that this is not my account and that I have not had a credit card with XX/XX/XXXXnor hasXX/XX/XXXX or LVNV been on my credit report prior to XXXX of XXXX. I asked LVNV for the address on this account which they would not provide neither would they provide the phone number attached to this account. I never received any statement or correspondence from XXXX or LVNV Funding prior to this encounter. I asked LVNV Funding to send me validation of this account of which they declined. I have disputed this account with allXX/XX/XXXXredit bureaus, which has not had any change in my credit report. The XX/XX/XXXX representative said I need to file a report with XXXX and attach to a dispute to try and remove this collection account from my credit reports. LVNV Funding will not verify this debt according to the XXXX and has never reported anything to the credit bureaus since the alleged account opening in XX/XX/XXXX until XX/XX/XXXX. Neither good or bad reports to credit bureau nothing at all. If there was a credit card with XXXX it would have been on my credit report when it opened in XX/XX/XXXX.

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: Closing your account — Company closed your account
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX is the establishment I am writing in regards to. I have a credit card with them and a checking account withXX/XX/XXXXXXXX. Well XXXX is saying that my account was locked, needed verification of bank statement. I sent in, and received an email back saying account was closed after verification. For multiple failed payments from my bank account, I have only ever paid this card, through brightways app, so their company pulls the payment how am I at fault for multiple failed payments? They pull it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX.2026 The bank contact me and said my wire transfer look suspicious and need to restricted my account for investigation. On XXXX.2026 The bank email means said they ended the relationship between me and the bank according to investor. Until today XXXX2026 After many call for customer support about my case. All I received is the same answer every time. The process has no update at all for more than XX/XX/XXXX month after my account has been closed. They're also can't provide any proof or reason why they just keep my investment fund

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 the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I refinanced my vehicle in XXXX with Navy federal from XXXX. Some where along the lines the title was never received from carmax to Navy federal - I was never informed of this. I have been on many recorded calls with navy federal since and was never informed until XXXX summer o received a notification on my online banking informing me of the missing title. I was then informed when I called to check that my interest rate was changed from XXXX XXXX to XXXX XXXX in XXXX. When I inquired on why i was never informed I was told by several representatives that notices returned non delivered XXXX. My complaint is I have paid XXXX years of a ridiculous XXXX when this could have been mitigated many times in between. I want the interest returned or applied to the loan for their lack or due diligence in informing the client prior to this level of damage. I have been calling since XXXX trying to get this resolved.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I recieved an overdue payment bill in the mail from Synchrony bank in collaboration with XXXX, saying i owe several hundred dollars for an account I never ever opened. I called the service number on the bill which aligned with a number from XXXX website and had the card cancelled and reported for fraud, but this has taken hours out of my day at this point and Im still stressed, not sure if its all a big scam or not.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
THIS IS INSANE HOW MANY MORE THINGS IN MY CREDIT REPORT THAT DOES NOT BELONG TO 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 2026-02-19 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the following collection account : JEFFERSON CAP I dispute this account in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I requested proper validation of this alleged debt. The collector has failed to provide sufficient documentation as required by federal law. To properly validate this account, the collector must provide : A complete accounting of the alleged debt, including principal, interest, and fees. A copy of the original signed contract or agreement bearing my signature. Documentation showing legal standing and authority to collect this debt. A complete chain of assignment from the original creditor to the current collector. Proof that the amount reported to consumer reporting agencies is accurate. Proof that the collector is currently licensed and legally authorized to collect debt in my state, including their state license number and issuing authority. If the collector is not properly licensed in my state, they do not have legal authority to collect or report this debt. Under FCRA 1681e ( b ) and 1681i, furnishers and consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a collection account without competent validation and proof of authority constitutes inaccurate and unverifiable reporting. Simply responding account verified through an automated system does not constitute proper validation under federal law. If the collector can not provide the documentation requested above, they must : Immediately cease all collection activity Immediately delete this account from all consumer reporting agencies Provide written confirmation of deletion Continued reporting without proper validation and proof of licensing constitutes furnishing inaccurate information and unlawful collection activity. I am requesting that the CFPB require deletion of this account if the collector can not fully comply with the above validation requirements. Sincerely, If this matter is not resolved through immediate deletion, I will pursue additional complaints with my State Attorney General and explore all remedies available under the FDCPA and FCRA for unlawful collection and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was talked into an overdraft protection account which I was never told that all kinds of charges that were not authorized would go thru and go towards a negative balance. I want this account to be at XXXX and I want to no longer have an account with this bank!

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 — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: IA

Complaint narrative:
Please see attached FTC complaint for up-to-date details. I am fully disputing the fraudulently induced charges that both America First Credit Union in XXXX XXXX, NV and XXXX in XXXX, IA are fraudulently trying to collect upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2026, I went to a BMO branch in XXXX to close my account. I withdrew all remaining funds {$2300.00} and completed the closure process with a BMO representative ( XXXX XXXX ). I was not informed of any issues or pending items that would prevent closure. I later learned that the account was not closed because of a pending debit from XXXX XXXX. At the time of closure, I was not told that any pending transactions would keep the account open, nor were any instructions given on how to prevent this or complete the closure properly. On XX/XX/2026, a XXXX payment {$600.00} was processed through BMO, even though the account should have been closed. If BMO had properly closed the account on XX/XX/XXXX as requested, this payment would have failed instead of being routed through an account I believed no longer existed. After discovering the account was still open, I contacted BMOs account resolution team at their 800 number and spoke with XXXX, who assured me the account would be permanently closed. I also spoke with XXXX XXXX at the XXXX BMO branch, who gave me the same assurance. Despite these repeated confirmations, the account remained open. BMOs failure to close my account as requested has caused a significant hardship for my family. The {$600.00} involved was intended to last us until the first of the month, and because I am a 100 % XXXX veteran who does not work, this loss has had a direct and immediate impact on our financial stability. I relied on BMO to follow proper procedures, and their failure to do so has created avoidable harm and stress. I believe BMOs actions constitute an unfair or deceptive act or practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). As of today, the account is still open despite multiple assurances from BMO employees that it was permanently closed.

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 2026-02-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Nature of Dispute : Deceptive Marketing and Violation of Disclosure Requirements ( Regulation DD ). I am asserting that Bread Financial ( Comenity Capital Bank ) used its " Loyalty Program '' as a primary incentive to attract depositors. Relying on this program, I purchased XXXX ( XXXX ) Certificates of XXXX ( CDs ), with terms ofXX/XX/XXXX months to XX/XX/XXXX years, in or about XX/XX/XXXX. Approximately XXXX months after my purchase, Bread Financial unilaterally cancelled the Loyalty Program. I did not learn of this until I tried to renew the XXXX year CD, and found it could not be renewed on the terms advertised in the Loyalty Program. ( I did not realize when theXX/XX/XXXX month CD became due because I did not attempt to renew that CD ) Key Points of Dispute : Lack of Transparency : It was not clearly disclosed at the time of purchase that the programa core term of the accounts value propositioncould be cancelled mid-term even after a CD was purchased. A " loyalty '' program that can be stripped away XX/XX/XXXXdays into a multi-year commitment is essentially non-existent and renders the original marketing deceptive. Failure of Notice : Under federal regulations ( specifically Regulation DD, XXXXXX/XX/XXXX XXXX ), depository institutions are required to provide at least XX/XX/XXXXdays ' advance notice of any change that may reduce the annual percentage yield or adversely affect the consumer. I was provided no such notice regarding this cancellation, before or after, and in fact was only advised of the cancellation upon specifically inquiring as to why the rate of renewing theXX/XX/XXXXyear CD was so much lower than anticipated when I called to renew. Refusal of Reasonable Remedy : I contacted Bread Financial customer service to request that, since the terms of our agreement had fundamentally changed, I be allowed to close the remaining XXXX CDs without penalty. This request was declined. Failure to Cooperate with Regulators : I filed a formal complaint with the Utah Department XXXX XXXX XXXX ( DFI ) in XXXX, XXXX. Per Utah DFI policy, the bank is required to respond to such inquiries. The bank has failed to provide a response to the state regulator, despite repeated requests over a period of months, demonstrating a pattern of non-compliance and lack of consumer transparency.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I made a large purchase recently and shortly thereafter, my card was locked. I submitted all documentation requested ( license, tax return, and social security card ). Since my card was locked, I was not able to cash out the {$460.00} in rewards that had posted to my account. I was told that I had to wait until XXXX unlocked my account. Well, XXXX ended up closing my account and all my points were forfeited. I had no chance at all to redeem the rewards that I rightfully earned.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from XXXX that XXXX closed my account without my authorization. I did not request to close my account and did not consent to any action that would result in forfeiture of my funds. At the time of closure, my account had a balance of {$300.00}. These funds had been in my account for some time and were not related to any recent disputes, chargebacks, or suspicious activity. I received a final statement claiming that I closed my account and that my remaining balance was permanently removed. This statement is false. I never initiated an account closure request. When I attempted to contact XXXX support via email, I received an automated response instructing me to use the app for assistance. However, I can not access the app because my account has been closed. XXXX has effectively blocked my access to customer support while retaining my funds. I am requesting : Documentation showing who initiated the account closure. Evidence of my authorization. Immediate return of my {$300.00} balance. If my account was accessed or closed without my consent, this constitutes unauthorized activity. I am seeking the full return of my funds and a written explanation.

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 is not yours
Company: Avant Holding Company, Inc.
State: ME

Complaint narrative:
In XXXX of XXXX a collection account from XXXX XXXX appeared on my credit report for {$810.00}. Prior to this date I did not have any collection accounts on my credit report. I have XXXX XXXX and check my credit report weekly. I called XXXX funding to inquire as to the collection account and they said it was a credit card with Avant in my name opened in XXXX of XXXX. I informed XXXX Funding that this is not my account and that I have not had a credit card with Avant nor has Avant or XXXX been on my credit report prior to XXXX of XXXX. I asked XXXX for the address on this account which they would not provide neither would they provide the phone number attached to this account. I never received any statement or correspondence from Avant or XXXX XXXX prior to this encounter. I asked XXXX XXXX to send me validation of this account of which they declined. I have disputed this account with all three credit bureaus, which has not had any change in my credit report. The Transunion representative said I need to file a report with CFSB and attach to a dispute to try and remove this collection account from my credit reports. XXXX XXXX will not verify this debt according to the FDCRA and has never reported anything to the credit bureaus since the alleged account opening in XX/XX/XXXX until XX/XX/XXXX. Neither good or bad reports to credit bureau nothing at all. If there was a credit card with Avant it would have been on my credit report when it opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: NE

Complaint narrative:
I was a tenant at XXXX in XXXX. Upon move in there were countless issues to the point I was forced to end my lease early with approval. I was notified of a balance of {$400.00} and I included it in my bankruptcy. My case was discharged and all accounts but XXXX XXXX are showing {$0.00}. I emailed billing with XXXX XXXX and the reply I got was although it was discharged the wont remove it because I owe it. I was referred to assurant /iq data XXXX and was hung up on and told the wont help me when I called after confirming I filed bankruptcy yet they are continuing to pursue this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX City, State ZIP XXXX XXXX Nj XXXX Date of Birth XX/XX/XXXX ( Last XXXX of XXXX XXXX ) XXXX XXXX Attn : Compliance / Billing Department Re : Formal Notice of Dispute Account No. XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account that is currently being reported as a negative item on my consumer credit report. The account is reporting as opened on XX/XX/XXXX, with a total balance of {$98.00}. I dispute the accuracy and completeness of this reporting. Pursuant to 15 U.S.C. 1681e ( b ), furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy of the information reported to consumer reporting agencies. The reporting of this account must be verified for accuracy and compliance. Additionally, pursuant to 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Under 15 U.S.C. 1692c, you are hereby notified that all communications regarding this matter must be conducted in writing only. Please provide the following documentation : 1. A copy of the original signed membership agreement or contract. 2. A complete itemized billing statement showing how the alleged {$98.00} balance was calculated. 3. A full payment history from the alleged date of opening. 4. The name and address of any third-party agency involved in collection or reporting. 5. A copy of the ACDV/ACDB record furnished to the consumer reporting agencies to verify this account. 6. Identification of the systems, procedures, and personnel used to review and verify the accuracy of this account and reporting. 7. The date, time, phone numbers, email addresses, and identities of individuals contacted during the performance of your investigation. 8. Documentation establishing your permissible purpose for furnishing and continuing to furnish this information. If you can not provide competent evidence validating this debt and verifying the accuracy of the information furnished, you are required to immediately delete or correct the inaccurate reporting with all consumer reporting agencies. Please provide a complete written response within 30 days of receipt of this notice. Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX. I am a documented victim of identity theft under FTC Identity Theft Report # XXXX. You received my original dispute and identity theft documentation on XX/XX/year>. Pursuant to FCRA 1681c-2 ( a ), you were legally required to block and delete all identity-theft- related information within four ( 4 ) business days, no later than XX/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 non-monetary relief