vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: WA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I am writing to dispute a billing error on my account in the amount of {$310.00} that appeared on my XXXX statement dated XXXX XXXX XXXX ( see attached ), which I received via email on XX/XX/XXXX. On XX/XX/XXXX, I sent a letter via certified mail explaining the error and received an email response on XX/XX/XXXX ( see attached ). I heard no response, then on XX/XX/XXXX, I received a letter from the XXXX collection agency stating that the amount had been referred for collection. Under the federal Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act, if you mailed a written dispute within 30 days of initial contact, the collector must cease all collection activities until they provide written verification of the debt. The charge is incorrect because I was overcharged for the following product/service : billing of a product that was already paid for by XXXX XXXX XXXX and me. {$310.00} was billed to my insurance company in XXXX once the product was paid for, and in XX/XX/XXXX, I received a bill. My insurance company wouldnt pay anymore, stating that the product was paid for under their agreement with XXXX. Here are the details of the error : Amount Charged overcharged once the product was paid for : {$310.00} There is no itemized detail of what the charges are for, per California Civil Code 1723 and California Health and Safety Code XXXX My insurance provider indicated that the CPAP machine has already been paid in full. Could you please clarify why additional payments are being requested? I would also like to review any documentation I signed that authorizes continued billing after the equipment has been paid off. Request for Action I request that you investigate this error, correct the overcharge, and remove any finance charges, interest, or fees associated with this disputed amount. Please send me an updated, accurate statement. I am withholding payment of the disputed amount of {$310.00} while this investigation is pending, as allowed by the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This letter is being sent to you in response to : XXXX XXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclays credit card under a promotional signup offer that clearly stated I would receive XXXX points after spending {$1000.00} in 90 days. Barclays has since altered the terms of our agreement without my consent, retroactively raising my required spend threshold to {$2000.00} spend in 90 days in order to receive the same XXXX points offer. I have attempted to resolve this directly with the bank, but their customer service has been unhelpful and unreachable. I sent a secure message and received a generic automated rejection. I then endured a hold time of over an hour on the phone, only to be given an internal rewards case number instead of a resolution. Barclay 's is failing to honor its advertised promotional terms and is engaging in bait-and-switch tactics and effectively outright fraud. My internal Barclays rewards case number for this issue is : XXXX. I demand that Barclay 's honor the original contract, as I did in fact use their required link, and credit my account with the XXXX points upon reaching the {$1000.00} spending threshold.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Beginning in XX/XX/year>, after my mortgage was transferred to NewRez/Shellpoint, I made the required payments and received emailed confirmations that those payments had been received and/or posted. Despite this, the payments were not properly applied to my account. As a result, I began receiving notices claiming I was delinquent, in default, and at risk of foreclosure. Between XXXX and XX/XX/year>, I repeatedly contacted the servicer by phone, help chat, and far more by email. In my messages, I explained the situation as it was unfolding and in the aftermath, and attached proof of payment, reported that the payments had been submitted, and requested that the error be corrected. In those communications, I specifically advised the servicer that their records were inaccurate, that payments had been made, and that the erroneous reporting was damaging my credit. Rather than correcting the issue promptly, the servicer continued to report the account as delinquent while failing to respond adequately to my repeated efforts to resolve the problem. It's now been years. The documentary record shows that I consistently attempted to make timely payments, provided proof of those payments, and diligently sought correction of the servicing error. Any negative credit reporting arising from this period was the result of the servicer 's failure to properly process or apply payments and a refusal to respond during that time and after, not any unwillingness or inability on my part to meet my obligations. Accordingly, the delinquency notation should be deleted in its entirety and all credit reporting related to this servicing error should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is my final attempt XXXX resolve this matter directly with PayPal before proceeding with a formal complaint through the Consumer Financial Protection Bureau ( CFPB ) XXXX any other applicable regulatory agencies in order XXXX secure the release of my funds. XXXX XXXX XXXX is a legitimate wholesale computer hardware company specializing in the purchase XXXX resale of hard drives XXXX XXXX drives. I have already provided PayPal with supporting business documentation, including my XXXX XXXX XXXX Business License. On XX/XX/year>, XXXX XXXX XXXX sold XXXX drives XXXX my customer, XXXX. XXXX submitted a formal XXXX XXXX / XXXX XXXX for the XXXX drives XXXX completed payment through PayPal in the amount of {$18000.00}. After receiving payment, I purchased the XXXX drives from my supplier in XXXX. My supplier provided the invoice, inventory receipt, XXXX XXXX shipment tracking information confirming delivery of the drives directly XXXX the customer. The XXXX tracking confirms that the transaction was successfully completed XXXX delivered as agreed. For more than XXXX weeks, I have cooperated fully with XXXX limitations department XXXX review process. I have submitted all requested documentation regarding XXXX my business XXXX this transaction, including proof of delivery XXXX proof of fulfillment. The transaction has been completed successfully, XXXX the customer has received the merchandise without issue. At this point, there is no valid reason XXXX continue restricting my account or withholding my funds. I am formally requesting the following : Immediate reactivation of my PayPal account Immediate release of the held funds totaling {$18000.00} Reimbursement of PayPal transaction fees associated with this transaction Compensation for the extended holding period of my funds Please see the attached supporting documents : XXXX XXXXt XXXX Business License for XXXX XXXX XXXX XXXX invoice and inventory receipt from XXXX, including XXXX XXXX XXXX Purchase Agreement/ Purchase Order from XXXX for the XXXX drives Proof of PayPal payment in the amount of {$18000.00} XXXX expect a prompt resolution XXXX this matter. If the account XXXX funds are not released immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau XXXX any other appropriate agencies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I am filing this complaint against Edfinancial Services regarding a systemic administrative failure that has severely and inaccurately damaged my credit profile, causing a catastrophic credit score drop from XXXX down to XXXX. The Facts of the Case : Administrative Failure : I legally relocated and explicitly updated my mailing address. Due to a processing error on Edfinancial 's end during the post-pandemic repayment transitions, Edfinancial failed to update my active billing address in their active correspondence system. Lack of Proper Notice : Because Edfinancial sent critical statements and warnings to a completely outdated address, I was entirely deprived of due process, billing statements, and mandatory delinquency notifications. I acted under the honest and reasonable belief that my accounts were fully satisfied. Immediate Remediation : The exact moment I discovered this administrative oversight and realized a default notation had hit my credit history, I took immediate accountability. I paid the entire remaining balance in full ( {$2200.00} and {$2400.00} ) on the spot. Both accounts are officially closed with a {$0.00} balance. The payoff-in-full verification number is XXXX. Requested Resolution : Because the underlying delinquency and default status were entirely triggered by Edfinancials failure to route notices to my properly updated address, the historical late/default tradelines currently on my credit reports are highly misleading. Since the debt is completely paid and settled, I request that Edfinancial submit a correction request to XXXX XXXX XXXX XXXX to completely wipe the negative late/default notations from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Formal Billing Error Dispute under the Fair Credit Billing Act ( FCBA ). I am writing to challenge a formal dispute denial from Synchrony Bank received on XX/XX/year>. Synchrony Bank denied my claim stating the merchant provided proof of delivery. This is a verified tracking number hijacking scam. The merchant used tracking number XXXX to fool automated verification systems. I have filed a formal police report regarding this merchant wire fraud with the XXXX XXXX XXXX XXXX XXXX under Case Report Number : XXXX, as well as federal FBI IC3 ID : XXXX. I am enclosing definitive carrier evidence that overrules Synchrony 's denial : My enclosed XXXX invoice proves I purchased a 250 lb XXXX XXXX The enclosed XXXX Proof of Delivery printout for that tracking number shows the package physically weighed only 15.3 lbs, creating an undeniable 234.7 lb physical impossibility. The XXXX Fraud Division formally confirmed to me in writing via email : " The tracking number you were provided by the seller is not related to you nor the package you were expecting. '' Synchrony Bank is violating the FCBA by refusing to correct a clear billing error for property not delivered as agreed, despite receiving official carrier validation that the tracking number is entirely unrelated to my person. I request an immediate reversal of this 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 monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KY

Complaint narrative:
Ive disputed this claim already and they keep trying to collect money from me I am a fraud victim and have told them multiple times this is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing the reporting of an alleged Synchrony Bank account by XXXX XXXX XXXX XXXX XXXX. This account is being reported as an unpaid debt with a balance of {$410.00} and is negatively affecting my credit report. I have not been provided with sufficient documentation demonstrating that the debt is accurate, that the amount reported is correct, or that XXXX XXXX XXXX XXXX XXXX has the legal authority to collect and furnish information regarding this account. I did not enter into any agreement or contract with XXXX XXXX XXXX XXXX XXXX. Therefore, I request documentation establishing the company 's legal right to collect and report this debt, including documentation showing the transfer, assignment, or ownership of the account from the original creditor. I also request documentation establishing that I am legally responsible for the debt and that the balance being reported is accurate. If the company can not provide sufficient documentation to substantiate the debt and its reporting, I request that the account be removed from all consumer reporting agencies and that any inaccurate information be corrected immediately.

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/year>, there were four fraudulent charges on my card. I immediately notified the bank. Two of the charges were immediately removed. The others were removed months later. I paid my XX/XX/year> bill in full except for the fraud charges. All the fraud charges were ultimately removed but the bank is saying I still owe almost {$300.00} in fees and interest. I refuse to pay this. Additionally, because of actions by BofA, my credit score has plummeted from XXXX 's to XXXX 's. I filed an action with the CFPB in XXXX, which resulted in the final fraudulent charge being removed by BofA. But not any of the fees or interest. See CFPB 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 monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I was alerted that my debit card with Sofi Bank was compromised by a {$99.00} XXXX charge. I immediately called them and had the card frozen. I was told I could not dispute it due to " pending '' but to check my account for any other charges. I found two that had posted and one more that had not posted. I called back and disputed the two that posted and was immediately refunded my money and was told to call back when the other two ( {$99.00} XXXX and {$13.00} XXXX XXXX ) posted. The following Friday they posted and I done exactly that and was told that since it was all the same fraud it would be refunded back to me immediately .The rest of the day went by and the weekend and nothing was put back into my account. I called them AGAIN on XX/XX/XXXX and was told they would expedite me my provesional credits. Nothing happened. It is now XX/XX/XXXX and Sofi is telling me they need to investigate and are not giving me even provesional credits, leaving my account in the negative and telling me it could be ten business days. It was all the same fraud, they have refunded two amounts - the other two should of also been done. They have lied about when they would do it and are now stonewalling me on this. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This letter is being sent XXXX you in response XXXX : Check XXXX ( XXXX ) - Notice sent XXXX me on XXXX - Response XXXX a listing on my Credit Report. Be advised this is not a refusal XXXX pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed XXXX validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for XXXX made pursuant XXXX the above-named XXXX XXXX XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation XXXX pay you. At this time, I will also inform you that if your offices have reported invalidated information XXXX any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action XXXX constitute fraud under both Federal XXXX State Laws. Due XXXX this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you XXXX your client for the following : Violation XXXX the Fair Credit Reporting Act, Violation XXXX the Fair Debt Collection Practices Act, XXXX Defamation XXXX Character. If your offices are able XXXX provide the proper documentation as requested in the following XXXX, I will require at least XXXX days to investigate this information, during which time all collection activity must cease XXXX desist. Also, during this validation period, if any action is taken which could be considered detrimental XXXX any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information XXXX a credit reporting repository that could be inaccurate or invalidated. If your office fails XXXX respond XXXX this validation request within XXXX days from the date of your receipt, all references XXXX this account must be deleted XXXX completely removed from my credit file XXXX a copy of such deletion request shall be sent XXXX me immediately

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 2026-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Filed dispute on the XXXX of XXXX. They requested additional information on the XXXX. Then I have been waiting and cant reach out to them because phone call is the only option to reach out a representative but its always has XXXX + wait and hardly anyone can make it.

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