vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service of Nevada
State: OH

Complaint narrative:
I XXXX received a bill from sierra outsourcing solution, for a student loan I didnt apply for. I disputed it with them, they sent a copy of paperwork that had no identifying information about me. I have never been to Nevada and have never been to college or taken out any type of loan to attend college in Nevada. I have disputed this with the college, they told me to file a police report, which I have. Sierra outsourcing solutions now says that they need me to file a report with the FTC to review this fraud. And have an answer. This is extremely frustrating :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/year>, an unauthorized electronic debit for {$10.00} labeled Direct Payment Loan Pymt was posted to my PNC checking account. I did not authorize this payment, and I did not initiate any transfer or loan payment on that date. Because of this unauthorized debit, my checking account became overdrawn. PNC then automatically pulled {$50.00} from my PNC Personal Line of Credit ending in XXXX as an overdraft protection transfer. This transfer was also not authorized by me. As a result of these unauthorized transactions, PNC charged additional fees, including a {$7.00} monthly service charge on my checking account and {$1.00} in interest on my line of credit. My lineofcredit balance increased even though I did not request or authorize any advance. I requested information from PNC explaining who initiated the {$10.00} debit and why these charges occurred, but PNC did not provide documentation or proof of authorization. The overdraft notice and statement only describe the transactions but do not explain their origin or provide evidence that I authorized them. I am requesting that PNC reverse the unauthorized {$10.00} debit, reverse the {$50.00} overdraft protection transfer, remove the {$7.00} fee and {$1.00} interest charge, restore both accounts to the correct balances, and confirm that no negative information will be reported to any consumer reporting agency related to these unauthorized transactions. XXXX addition, PNC has not refunded {$2000.00} in unauthorized XXXX transfers that I previously reported as fraudulent, even though I do not use XXXX and did not authorize any XXXX activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
An unauthorized credit card account with XXXX XXXX XXXX was opened using my identity without my knowledge or consent. I have never applied for, opened, or used an account with this original creditor. The debt collector, Resurgent Capital Services / LVNV Funding, is currently reporting a collection balance of {$670.00} on my credit file and recently sent a debt verification packet dated XX/XX/year>. While the current residential address they have on file is correct, the underlying credit account itself is completely fraudulent and the result of identity theft. I am disputing this collection in its entirety. I request that the collection agency immediately cease collection activities, close the fraudulent account, and remove the negative tradeline from all credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: NY

Complaint narrative:
I was promised a refund by XXXX ( the merchant ) who failed to process the refund to AFTERPAY ( the payment provider ) despite both Afterpay and XXXX acknowledging I am owed a refund my balance with afterpay has been sent to collections. XXXX continues to ask me to provide an additional payment method and is not addressing how the balance with XXXX is to be resolved. I would like XXXX to reach out to XXXX so that the payment processing issue that is preventing my refund from being processed can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank is engaging in unfair and deceptive billing practices. I requested my CareCredit account be closed, and Synchrony issued a formal letter on XX/XX/year>, explicitly confirming a {$0.00} balance and that the account was closed. Despite this official notice, Synchrony continued to generate automated paper statement fees on a closed account and compound those fees with trailing interest. They are now reporting this administrative ghost balance as 'past due, ' damaging my credit standing after I fulfilled all financial obligations in good faith.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am the actual consumer and primary account holder on this alleged debt. I am not a third party requesting this dispute. This validation request comes directly from me personally as the consumer. I am filing this complaint against TENAGLIA & HUNT, P.A. ( XXXX XXXX XXXX. XXXX ) for failing to provide proper validation of an alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Account Information Original Creditor : XXXX XXXX XXXX XXXX ( THE XXXX XXXX XXXX Credit Card ) Account ending in : XXXX Amount claimed : {$24000.00} Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Timeline of Communications On or about XX/XX/XXXX, I sent TENAGLIA & HUNT, P.A. a timely written Validation of XXXX ( XXXX ) request via certified mail. I specifically requested the original signed agreement, complete itemized transaction history, full payment history, proof of the balance calculation, ownership documentation, and written authorization from XXXX XXXX XXXX XXXX for them to collect this debt. On XX/XX/XXXX, TENAGLIA & HUNT responded with a letter and some enclosures. They provided only an exemplar ( generic ) card agreement and recent monthly statements that mostly show interest charges and late fees. They did not provide most of the specific documents I requested. On XX/XX/XXXX, I sent a detailed follow-up validation letter via certified mail, return receipt requested ( copies attached ). In that letter I clearly listed the XXXX specific items that remained missing and gave them XXXX ( XXXX ) days to cure the deficiency. Despite receiving XXXX separate detailed written validation requests ( XX/XX/XXXX and XX/XX/XXXX ), TENAGLIA & HUNT, P.A. has still not provided adequate verification of the debt. Violations The documents provided on XX/XX/XXXX are insufficient under the FDCPA. They failed to include : The original signed credit card application or account-specific cardmember agreement ( only a generic exemplar was sent ). A complete itemized transaction history showing merchant names, dates, and amounts of every purchase that created the balance. Full payment history or proof of the XX/XX/XXXX payment. Documentation of the full account number and internal accounting/charge-off records showing how the {$24000.00} balance was calculated. Confirmation that XXXX XXXX XXXX XXXX remains the current owner of the account. Any contract, retainer agreement, or written authorization from XXXX XXXX XXXX XXXX stating that TENAGLIA & HUNT, P.A. is authorized to represent them and collect this debt. As a result, the debt remains unverified. TENAGLIA & HUNT is prohibited from continuing collection activity until they fully comply with FDCPA validation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove fraudulent XXXX account from my credit reports

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX we received a letter from XXXX about not being able to open an account due not being able to verify enough information. Then in XXXX we went to XXXX XXXX concerning this matter. They did not write a report because they said there ws no loss. Then this Affirm emailed showed up about us having a loan. Amount was {$910.00} .. We went back to XXXX XXXX on XX/XX/XXXX and at that time they filed a report .. we sent to Affirm. We were assigned a case XXXX at the XXXX XXXX XXXX that is associated with XXXX XXXX. We have also talked with Affirm numerous times and they will not give us any information on how, and who opened this account. They have now sent to the credit bureaus as an unpaid debt of now {$950.00}. We need help in resolving this. We have emailed and also sent by certified mail the police report. We have froze our credit reports, put a fraud alert on our credit. What else can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
The dispute on the debt is for New Jersey XXXX Authority in which they are charging for something that is illegal to charge, such a XXXX XXXX fee in which can proof of those charges..

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
XXXX XXXX now Rocket mortgage will not send me my tax statement and closing statement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX representative acknowledged that multiple criteria exist for fee waivers but refused to disclose them when directly asked. The supervisor then denied my request without explanation or any criteria-based reasoning. This lack of transparency in their fee waiver process is unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I repeatedly requested proper validation of this alleged debt from LEAFY, and I still have not received proper documentation proving ownership of the debt, complete payment history, or lawful authority to report this account. I also never received an initial notice regarding this alleged debt. Instead of validating the debt, LEAFY continues reporting contradictory and inaccurate information across all three credit bureaus for account ending in XXXX in the amount of {$1900.00}. The same account is reporting as : LEAFY FINANCIAL LLC LEAFY ( Original Creditor : XXXX ) The reporting contains multiple discrepancies including : XXXX reporting the collection as an OPEN ACCOUNT with XXXX term, which a collection company can not legally do XXXX reporting the account as Late XXXX Days, even though collection agencies can not report active monthly late payments on collection accounts Different opened dates being reported across bureaus Different last active dates being reported across bureaus Continuous charge-off reporting month after month from XX/XX/XXXX through XX/XX/XXXX creating the appearance of ongoing delinquency activity Contradictory account types and payment statuses across all three bureaus At this point, this reporting appears inaccurate, misleading, deceptive, and inconsistent with the Fair Credit Reporting Act. CFPB, I am requesting a deep investigation into LEAFYs reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Received a letter from Midland Credit Management ( MCM ), Acct # XXXX, for XXXX XXXX, Acct # ending in XXXX stating I owed a balance of {$1500.00}. Sent a letter on XX/XX/year> ( picture of package attached ) requesting proof of documentation, signatures requesting the account and authorization to deal with MCM. Advised if this information could not be provided to no longer communicate and delete the account as I did not authorize any of the account information. MCM sends a letter dated XX/XX/year> threatening legal action if I do not pay ( see 'Pre-Legal Notification ' attached ). Sending letter to request cease and desist ( also attached ) and would forward their information to the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint against Resurgent Capital Services L.P. and LVNV Funding LLC regarding a separate LVNV Funding account appearing on my credit reports. On or about XX/XX/year>, I mailed a written debt validation request regarding this account. I requested complete account-level validation, including documentation showing the original creditor, amount claimed, basis for the balance, chain of assignment or ownership, LVNV XXXX authority to collect, Resurgents authority to service the account, and documentation connecting the alleged account to me. XXXX did not provide validation for this account. Instead, XXXX sent a letter dated XX/XX/year> stating that XXXX manages the account for LVNV Funding LLC and had initiated a review of the inquiry recently received. That is not validation. It does not verify the account. It does not verify the balance. It does not identify the original creditor. It does not provide proof of ownership. It does not provide a bill of sale, purchase agreement, chain of assignment, payment history, Date of First Delinquency support, or authority to collect and report. A letter stating that the company has initiated a review is not the same as mailing verification of the debt. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. Resurgent/LVNV has not mailed verification for this account, yet the account continues to be treated as collectible and/or reportable. This also raises concerns under 15 U.S.C. 1692e and 1692e ( 2 ) ( A ), because Resurgent/LVNV is representing the character, amount, ownership, and legal status of a debt that has not been verified. Because this account is being furnished to the consumer reporting agencies, Resurgent/LVNV also has obligations under the Fair Credit Reporting Act. If this account can not be verified as accurate, complete, and legally reportable, it should not continue to be furnished as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Opened an XXXX checking account with BOA on XX/XX/year> under promotion of XXXXXXXX XXXX bonus. i clicked through the link on their page advertising the bonus. the account was funded with XXXX by day XXXX with new money. i met all the terms of the promotion as of XX/XX/year>. no bonus has been paid out and the representatives have told me they cant do anything.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: GA

Complaint narrative:
I made a purchase in XX/XX/year> for camera through XXXX XXXX. I received the wrong item and reported it in the app. I submitted the evidence i received the wrong item and returned it. Klarna doesnt want to provide me with a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Chase closed my business account without providing a clear explanation, and now my personal phone number remains restricted from being used with XXXX at another institution. I understand the bank may choose to close an account, but continuing to restrict my phone number after account closure is causing financial inconvenience and preventing me from using XXXX elsewhere. I am requesting a review and release of my phone number from any Chase-related XXXX restriction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I received notice from U.S. Bank that my checking account was closed. I called customer service asking for more information, and they said they could not provide any over the phone and that I would receive information in the mail. At the time of closing, I had over {$1500.00} deposited into my U.S. Bank checking account, and every credit card associated with U.S. Bank was paid off in full with {$0.00} in outstanding balances. On XX/XX/year>, I received notice in the mail confirming that my checking account was closed by U.S. Bank. In the notice, it said " the collected balance in your account ( XXXX ), after satisfying any outstanding service charges or other outstanding obligations that may be due to U.S. Bank, will be mailed to you in the form of a cashier 's check if warranted. Please note, it could take up to 15 business days to receive a cashier 's check by mail. '' Today, it is XX/XX/year>, which is far past the 15 business days indicated in the notice. I have not received any checks for the over {$1500.00} I had sitting in my U.S. Bank checking account. U.S. Bank still retains my money, and they have not returned my deposit. To resolve this, I would like U.S. Bank to return the money I had deposited into my U.S. Bank checking account in full. I am not requesting any additional interest - I simply want the original amount deposited. Thank you for your time.

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: TN

Complaint narrative:
The last time I was able to use my card was in XXXX 2022. I tried multiple times to use it after that to no avail. I couldn't access my app or ATM. I couldn't get through to them on any number I tried. It was a long time before I finally got someone to answer the phone. It was getting close to 2 years. I was told I had to order a new card. She said my birth certificate would work if it had color on it. It did ( red and blue ). She said she could expedite it for XXXX and it would be quick. It took about 2 weeks. I had to call to activate my card, but that took a long time to get through again. I couldn't get the card activated. It's now 42 months and I have XXXX trapped with them. I have since lost my property for back taxes. I also have my birth certificate, marriage license and have my real ID on its way to a safe address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: OK

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove fraudulent XXXX account from my credit reports

Company response to consumer: Closed with explanation