vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A DISPUTE WAS SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : XXXX. The name and address of the original creditor XXXX. The complete account number associated with the alleged debt XXXX. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments XXXX. A copy of the original signed contract or application bearing my signature XXXX. Proof that you are legally authorized to collect in my state XXXX. Documentation proving your ownership or assignment of this alleged debt XXXX. A complete chain of title if the debt was sold or transferred XXXX. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX XXXX XXXX If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I set up my checking account with the company and got a {$30.00} return fee for it saying it wasnt the right card. Which it is. I use it now on care credit still. I asked for an ACH return code so I can show my bank as my bank shows XXXX attempts to pull money from my account. They said they dont have a return code so how are you charging me a fee when you cant even provide proof that my card didnt work. I can get statements of my card showing I had all the funds needed. Care credit keeps saying they cant remove the fee. The agent said WE DO NOT SEE AN ACH RETURN CODE ON THEIR END They will not send proof

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 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Credit Control LLC. ) XXXX XXXX XXXX XXXX TX Account Number : XXXX RE : FORMAL DEMAND FOR VALIDATION 15 U.S.C. 1692g To Whom It May Concern, This is a formal notice that I dispute the validity of the alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide proper validation of the debt. To date, you have failed to provide competent evidence supporting your claim. I demand that you provide the following : Original contract bearing my signature Full accounting of the alleged debt Proof of assignment and chain of title Evidence of your legal authority to collect Name and address of the original creditor NOTICE OF CEASE & DESIST Until such validation is provided, you must : Cease all collection activity immediately Cease all reporting to any credit bureau Any continued reporting or collection activity without validation constitutes : Violation of 15 U.S.C. 1692g ( b ) False reporting under 15 U.S.C. 1692e Unfair practices under 15 U.S.C. 1692f If you can not provide the requested documentation : You must DELETE the account immediately Provide written confirmation of deletion You have 30 days to comply. Failure to comply will result in : CFPB complaint ( already initiated or pending ) FTC complaint XXXX litigation for statutory damages Sincerely, 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 2026-06-10 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: Neighborhood Autos, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a chargeback dispute ( Case # XXXX ) with Fidelity regarding XXXX {$200.00} charge from XXXX on my Visa Signature Card ending in XXXX. The basis for the dispute was that XXXX XXXX had issued a full refund for my trip due to an involuntary flight disruption, but because XXXX had purchased the tickets using their own virtual payment cards, those refunded funds were returned to Kiwi.com rather than to me. XXXX refused to pass the funds through. XXXX denied my dispute on XX/XX/XXXX, citing XXXX 's non-refundable policy however, that policy applies only to voluntary cancellations. XXXXXXXX XXXX own Terms & Conditions ( Section XXXX ) explicitly provide refund rights for XXXX itineraries disrupted by the carrier, and Section 18.3 mandates that XXXX return carrier-issued refunds to the customer 's original payment method. XXXX 's denial misapplied the merchant 's own contract. On XX/XX/XXXX, I called XXXX to request reconsideration and to submit additional supporting documentation that I was unable to upload during the original dispute ( the portal had capped uploads ). I was told I would receive a callback from the reconsideration team within approximately XXXX business days. No callback was received. When I followed up on XX/XX/XXXX, I was informed there was no record of my XX/XX/XXXX callback request. I finally received a callback on XX/XX/XXXX from the reconsideration representative. He stated that supervisor approval would be needed to reopen the case since the deadline had passed, and that I would be notified by physical mail. He also provided a fax number for additional documentation, which I submitted the same day. As of XX/XX/XXXX, I have received no letter, no update, and no acknowledgment of my faxed submission.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV FUNDING LLC, located at XXXX XXXX XXXX XXXX SC XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$0.00} originally owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my consumer credit reports with XXXX XXXX XXXX XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease-and-Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Loan was opened fraudulent.have police report and identity theft report but equifax refuse to honor that! Security services fcu. XX/XX/year>. {$7900.00}

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 2026-06-10 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-10 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: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, A charge of USD {$2200.00} ( XXXX XXXX ) showed up in my CC statement, it was referred to as 'XXXX * XXXX XXXX XXXX XXXX XXXX XXXX '. I never dine in that restaurant. I found out this Fraudulant charge a few days later, so I called my CC company, XXXX XXXX XXXX ( XXXX ) right away, to tell them it was Fraud. After numerous phone calls and letters to communicate to them, that this charge was a FRAUD, they still deny my request and kept adding late payment interest to that charge. I was so upset, I paid off all other CC balances with them and then Cancel the CC. Till this day, out of my own conscience I do not want to pay this Fraudulent charge. XXXX XXXX has not contacted the restaurant, to prove that I did dine in that restaurant and gave any evidence to show 'any ' follow up work they did. I always pay my CC bills on time by Autopay, I have been their loyal customers for many many years, I would not claim if it was not a Fraudulent charge. I have a very good CC score.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I paid for two lawyers that did no work never showed up. I paid XXXX and never got a refund or anything I disputed the amount and was penalized they kept my account records for years untill I complained then I found out how much was authorized and I never got it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
1 ) On XX/XX/26 I was in the middle of a kitchen renovation. I emailed my contact at XXXX regarding a payment due of {$21000.00}. I gave the check to XXXX who was here doing work. 2 ) Then on XX/XX/26 I realized that it should have been {$23000.00} and emailed to see if I could mail the {$2000.00} difference. The response was " would you be able to send the remaining balance via XXXX? '' I agreed and attempted to send via XXXX but was getting a message that the transaction could not be completed " at this time ''. I emailed again and told them I would try again later. The response was to try to call XXXX and then I was provided new contact to use through XXXX. 3 ) XX/XX/26 I got an email asking if the transaction was completed. XX/XX/26 I sent the confirmation that they received the payment and they asked for confirmation that the previous amount of {$21000.00} was deducted from my account. Unfortunately I sent that as well. 4 ) XX/XX/26 I became suspicious when they asked if they could borrow {$4300.00} from me. I phoned and spoke with XXXX at XXXX and was informed that XXXX 's email had been hacked. That's when I reached out to the Navy Federal Credit Union and filed a complaint for a refund of my {$2000.00}. They have been slow to respond. On XXXX/XXXX they confirmed that they had my documents and would review. Then again I heard nothing. I reached out by email a few times. On XX/XX/26 I did finally get a letter from XXXX regarding the email hacked forwarded it to the Security/Appeals department . Today, XX/XX/26 I called the XXXX XXXX and they told me my appeal had been denied ( which I was never told ) and there was nothing more they could do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A DISPUTE WAS SENT TO XXXX XXXX AND XXXX ON XX/XX/year>. This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from Experian, Equifax, and TransUnion. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX Amount : MIDLAND CREDIT XXXX - XXXX XXXX XXXX XXXX XXXX : {$390.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company response to consumer: Closed with explanation