vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as PORTFOLIO - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: NY

Complaint narrative:
USCB America debt collections rep XXXX # XXXX was told that XXXX XXXX received a patient complaint regarding harassment. XXXX XXXX XXXXXXXX was also told ( phone call ) that XXXX XXXX refused to honor several requests for an itemized bill. I'd explained that immediately after the complaint was filed w/the hospital, I'd received this bill w/no itemized charges. XXXX # XXXX said she would contact the hospital and mail me the itemized bill but no bill has been released by USCB America.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I asked this XXXX XXXX XXXX XXXX, XXXX, XXXX EDT Hi I just find out in the statement for XX/XX/XXXX that the amount I paid is only go to the interest- I think is a mistake because I know when you have a personal loan - the monthly payment is go one part to the principal and the other part to the interest - never is only go to the interest only. I am going to review all the statement because Is a mistake - I dont understand why the payment is only go to the interest- its is like the loan is never reduce the principal. This is a mistake or scam I am ready pay 30 months now XXXX XXXX XXXX is XXXX aprox so for another 30 months is another XXXX and them they sebd this XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX EDT Thank you for contacting XXXX XXXX As previously relayed, payments are allocated to fulfill the interest that has accrued since your last payment which means a portion of each payment is for interest, while the remaining amount is applied toward the principal loan balance. Payments will be applied toward paying off accrued interest, then the principal loan balance, then fees ( if applicable ). If you would like payments applied to the principal balance only you would have to make the payment with your standard monthly payments. Any additional payments made throughout the loan will push your payments forward. There is no fee for paying your loan off early. You can make additional payments at any time during your loan term. Making additional payments can reduce the total number of monthly payments and reduce the amount of accrued interest over the life of the loan. Upon review of your account, you did enroll into 2 months of extensions, and did not make a payment on XX/XX/XXXX or XX/XX/XXXX, therefore both payments made on XX/XX/XXXX and XX/XX/XXXX did fulfill the interest accrued since the last payment you made on XX/XX/XXXX. At this time, there is still remaining {$290.00} due in interest. We have attached a copy of your payment history for reference. Please feel free to contact us directly with any additional questions or concerns at XXXX. We are available Monday Thursday from XXXX XXXX, Friday from XXXX XXXX and Saturday from XXXX XXXX ET. You can also reach us via the live chat feature in your XXXX XXXX account Monday - Thursday XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX, and Saturday XXXX XXXX XXXX XXXX ET. All the best, Your XXXX XXXX Team

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony granted an extension to XX/XX/year>. That date fell on a Saturday. I submitted payment electronically on Sunday, XX/XX/XXXX, before the next business day. Synchronys system treated this as a promotional default and assessed deferred interest. Given the weekend extension date, the less-than-24-hour timing, and my repeated calls requesting correction, this charge should be reversed or the promotional payoff date should be treated as extended through the next business day. Weve been very aggressive with the payments to avoid a interest charge. Please help us out.

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 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Debt Validation / Fair Collection Dispute XXXX XXXX XXXX, GA XXXX Date : XXXX Collector Name FCO ( Fair Collection & Outsource ) RE : XXXX XXXX. ( {$1300.00} ) To Whom It May Concern, I am formally disputing the validity and accuracy of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please provide competent evidence that I have a legal obligation to pay this debt, including : A copy of the original signed contract or agreement Complete payment history and balance calculation Proof your company has legal authority to collect Documentation showing assignment or transfer of the debt Date of first delinquency Verification that the amount reported is accurate * Pending your investigation and validation, I request that : all collection activity cease, and any inaccurate credit reporting be corrected or removed. * If you can not provide proper validation, you must delete the account from all consumer reporting agencies. This letter is not a refusal to pay, but a notice that your claim is disputed. 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 2026-05-17 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: I.C. System, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as I C SYSTEM - XXXX, I.C. SYSTEM, INC - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-05-17 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I bank with Truist. On XX/XX/year> i went to buy groceries at food lion. My total was {$290.00}. Truist declined my card and flagged it for fraud despite having the money in my account to pay for the groceries. I received an automated text asking if I approve the transaction. I replied YES. It texted back saying wait 2 minutes and try again. It declined again. I then spent 52 minutes on the phone with the fraud support line as they attempted to approve my transaction and had me try 5 more times. Each time declining for fraud. They had me wait 2 minutes before trying again, and then 10 minutes, etc, and at the end of it told me I could not use my card until tomorrow due to the freeze on my account for " fraud ''. I confirmed each text, and phone call sent from the bank while still confirming on the phone with support. Nothing worked. I used a differnt banks card and left with my melted groceries wothout being able to use my funds in my truist account. I was told there was no management available to escalate my call and there was noone else I could speak to. I still can not use my card and all of my groceries are melted as this took over an hour before they gave up trying to help me and I had to find another way to pay. They offered no resolution, despite their website saying that the 1 time approval will go through within minutes and my card will be unlocked. Their negligence cost me {$290.00} dollars in groceries! I am also concerned the now 6 failed transactions will go through since they had me accept every charge.

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 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCM Finance LLC
State: MS

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding a fraudulent vehicle lease/account that was opened and/or reported without my authorization. I discovered that a vehicle lease/account was fraudulently obtained using my personal information. I did not authorize, sign for, co-sign, or consent to this lease agreement. Despite disputing this account and providing identity theft documentation, the company continues reporting the account and/or negative information to the credit bureaus. This fraudulent account has caused serious harm to my credit profile, financial standing, and ability to obtain housing and financing. I have already provided supporting documentation including : * FTC Identity Theft Report * Proof of identity * Proof of address * Dispute documentation * Police report and/or identity theft documentation ( if applicable ) The company has failed to properly investigate this fraud claim and continues to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. Immediate removal of the fraudulent vehicle lease/account from all credit bureaus XXXX XXXX XXXX XXXX XXXX ) 2. Removal of any late payments, repossession history, collections, or derogatory reporting associated with this fraudulent account 3. Written confirmation that I am not financially responsible for this account 4. Copies of all documents allegedly used to open or authorize this lease, including signatures, application records, IP logs, and identification used 5. A complete reinvestigation under the Fair Credit Reporting Act This matter has caused significant financial hardship and emotional distress. I am requesting urgent correction of this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
My bank account was debited {$1800.00} through Cash App without my authorization on XX/XX/year>. You can see the attempts to add {$2000.00} into the Cash App account twice. Get denied for not enough funds until it was able to confirm {$1800.00}. I reported the fraud immediately to both XXXX XXXX and Cash App. Both companies denied my claims despite this being an unauthorized electronic fund transfer under Regulation XXXX of the Electronic Fund Transfer Act. The transfer was initiated after my Cash App account was compromised. I did not authorize the withdrawal from my bank account or the transfer of funds. I am requesting reimbursement and a proper Regulation XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Unauthorized access to my XXXX XXXX account resulted in the theft of {$640.00} in earned rewards. Capital One has acknowledged the rewards were redeemed but has refused to restore them, stating that rewards are not protected. These rewards have real monetary value and were taken through fraud. I am requesting that Capital one restore the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern : I am disputing the collection account reported by Jefferson Capital Systems under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This account contains inaccurate, inconsistent, incomplete, and unverifiable reporting, including : XXXX reports the account CLOSED while XXXX reports it OPEN Conflicting payment status reporting Different dates of last activity Inconsistent collection status reporting Failure to provide complete validation of the alleged debt These inconsistencies violate : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) FDCPA 1692e ( 8 ) FDCPA 1692g I request : Full validation of this alleged debt Documentary proof of accuracy The method of verification used Immediate deletion if the information can not be fully verified Failure to properly investigate disputed information may constitute noncompliance with federal consumer protection laws. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NH

Complaint narrative:
I am writing to formally express my frustration and disappointment regarding my experience with my Fidelity credit card account. For an extended period of time, my legitimate transactions have repeatedly been flagged as fraudulent, causing my card to be declined or restricted during normal use. I appreciate the importance of fraud prevention and protecting cardholders. However, what has become unacceptable is the frequency of these interruptions and the burden repeatedly placed on me to resolve them. Nearly every time I attempt to use my card, I am prompted to call customer service to verify activity. This has become incredibly disruptive and inconvenient. I have spent countless hours waiting on hold simply trying to access and use a card that I should reasonably be able to rely upon. A fraud prevention system should protect customers without effectively preventing them from using their own accounts. My frustration was further amplified during my most recent interaction with customer service. The representative I spoke with was dismissive and repeatedly placed me on hold for extended periods without explanation or updates. Rather than feeling supported, I felt ignored and treated as though my time had little value. Customer service interactions should help resolve issues, not add to a customers frustration. I have been patient and understanding, but this experience has reached a point where I feel compelled to formally document my concerns.

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 2026-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
So i bought a XXXX card and put a lot of money on it. I had around {$240.00} before i had bought {$130.00} worth of something from a store. After i had purchased it i had around {$100.00}, i went and returned all the stuff i had bought that was {$130.00}. But i am still left money around {$100.00}. I need help on how i can find and get my money back on my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Formal Dispute & Complaint LetterTo : Block, Inc.Attn : Customer Support LegalAddress : XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Re : Formal Dispute of Unauthorized Transactions Case # XXXX Date : XX/XX/XXXX To the XXXX XXXX XXXX Legal and Support Team : I am writing to formally dispute a series of unauthorized charges and to file a complaint regarding the handling of my account, associated with the handles $ XXXX and $ XXXX. This letter serves as my formal " Notice of Error '' under the Electronic Fund Transfer Act ( XXXX ) and Regulation E.Below is the exhaustive list of the unauthorized transactions I am disputing : Xfinity/ XXXX XXXX : XX/XX/XXXX ( {$180.00} ) ; XXXX ( {$160.00} ) ; XXXX ( {$100.00} ) ; XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$160.00} ) ; XX/XX/XXXX ( {$150.00} ) XXXX : XXXX ( {$210.00} ) ; XX/XX/XXXX ( {$150.00} ) ; XX/XX/XXXX ( {$260.00} ) ; XX/XX/XXXX ( {$69.00} ) ; XX/XX/XXXX ( {$170.00} ) ; XX/XX/XXXX ( {$89.00} ) XXXX : XX/XX/XXXX ( {$520.00} ) ; XX/XX/XXXX ( {$290.00} ) Credit Acceptance / SPI XXXX : XXXX ( {$700.00} ) ; XX/XX/XXXX ( {$730.00} ) ; XX/XX/XXXX ( {$700.00} ) ; XXXX ( {$220.00} ) XXXX : XXXX ( {$350.00} ) ; XX/XX/XXXX ( {$350.00} ) ; XX/XX/XXXX ( {$350.00} ) Note : Only XXXX provisional credit of {$700.00} was ever received.Other Unauthorized Merchant Charges : XXXX Play : XX/XX/XXXX XXXX {$15.00} ) XXXX Eats : XX/XX/XXXX XXXX {$73.00} ) OfferUp : XX/XX/XXXX ( {$150.00} ) ; XX/XX/XXXX ( {$180.00} ) ; XX/XX/XXXX ( {$20.00} ) XXXX XXXX : All associated charges are disputed.Robin Cougle : XXXX and XXXX ( Unrecognized individual ) Complaint and Demand for Redress : The Consumer Financial Protection Bureau XXXX CFPB XXXX has recently ordered Block, XXXX to XXXX {$170.00} XXXX for failing to adequately investigate unauthorized transactions and for employing weak fraud protocols. I am citing this order as I have experienced similar failures, including the denial of legitimate claims and the lack of required provisional credits during lengthy investigations.I request a full investigation into these transactions and the immediate issuance of permanent credits for all amounts listed. If you are unable to complete your investigation within XXXX business days, I demand the issuance of provisional credits as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
T o Whom It May Concern : This letter serves as my second formal notice regarding the Radius account currently being reported on my consumer credit report. After my initial dispute, the account status was changed from a charge-off to a closed account. However, the account itself continues to remain on my consumer report and continues to negatively impact my credit profile. Because the reporting status has already been altered after my dispute, this demonstrates that the original reporting was inaccurate and misleading. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be reported with maximum possible accuracy and fairness. Pursuant to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 I am requesting the complete removal of this account from all consumer reporting agencies immediately. The continued reporting of an account that was previously reported inaccurately is damaging and does not comply with the FCRAs requirement for accurate and fair reporting. Since the account reporting has already been modified, I am requesting deletion rather than continued updates to the tradeline. If this matter is not resolved, I am prepared to file formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General for continued inaccurate credit reporting. Please update all credit bureaus and provide written confirmation once this account has been deleted. Sincerely, [ Your Name ]

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