vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email stating that my fraud claim on my Lowes Rewards Credit Card had been approved and that the fraudulent balance ( approximately {$16000.00} ) had been removed. I was relieved and believed the matter was fully resolved. Around XX/XX/XXXX, I received an email stating that I owed {$220.00}. I immediately contacted customer service and spoke with a representative named XXXX. He informed me that the {$220.00} was interest related to the fraudulent charges. I explained that it made no sense for me to be responsible for interest on charges that were determined to be fraudulent. He agreed and told me he would take care of it and that I should not worry about it. Despite this assurance, I have now received another email stating that I still owe {$220.00}. I have attempted to contact the company again to resolve this issue, but I am being given a difficult time and am not receiving meaningful assistance. Representatives have not corrected the issue, and I am not being provided with a clear resolution. I feel as though I am being forced to repeatedly chase down a mistake that should have already been corrected after the fraud claim was approved. It is unreasonable to charge interest on balances that were determined to be fraudulent and removed. I should not be responsible for {$220.00} in interest tied directly to those fraudulent charges. I am requesting : Immediate removal of the {$220.00} interest charge. Written confirmation that my account reflects a XXXX balance related to this fraud matter. Assurance that no negative information will be reported to any credit reporting agencies regarding this issue. Thank you for your assistance in resolving this matter. Thank you, 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 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC Balance {$760.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I discovered 2 charges on my Dell Pay credit account issued by Comenity Capital Bank for a product labeled Account Assure. {$11.00} XX/XX/XXXX {$8.00} XX/XX/XXXX I did not authorize, request, or knowingly enroll in this product. After discovering the first charge, I canceled the service within 30 days and requested a full refund. The bank refused to credit the charges. On XX/XX/XXXX, I submitted a written billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), asserting that these were unauthorized charges and constituted billing errors. I requested an investigation and documentation showing how and when I allegedly enrolled in this product. The bank responded only by stating that it would investigate and mail findings, but I have not received any written explanation, proof of authorization, or documentation showing affirmative consent. The charges remain on my account. My concerns are : 1. Unauthorized add-on product enrollment without clear affirmative consent. 2. Failure to provide documentation proving authorization. 3. Failure to properly investigate and resolve a billing dispute under the Fair Credit Billing Act. 4. Refusal to issue a refund despite cancellation within 30 days. I am requesting that the CFPB require the bank to : Provide documented proof of authorization for the Account Assure product, including the method and date of enrollment. Comply with Fair Credit Billing Act dispute investigation requirements. Credit and refund the unauthorized charges in full. This matter concerns not only the dollar amount involved but whether consumers are being enrolled in optional financial products without clear, informed consent and without proper dispute resolution procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: RI

Complaint narrative:
Since I first opened the XXXX XXXX account online back around XXXX, I noticed that the calculated interest amount was higher than what the bank calculated and deposited into my account. I inquired several times but every concern was explained away by the bank representatives. I switched to an online savings account in XXXX, but the problem persisted. When I express the issue to the bank representatives they continue to state excuses and explanations to explain the shortages but never calculate the specific details with me. I did see a small credit of about {$12.00} added in XX/XX/XXXX but thats minimal considering the multitude of times that my account was shorted the correct accrued interest.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 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: TX

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On valentines day XXXX XX/XX/year> I woke up and checked my bank account with USAA and found that there was a charge for {$390.00} for XXXX. Since the charge was still pending and the money wont post until Tuesday the XXXX, I quickly called USAA to dispute the transaction and open a review with them. Today on XXXX XX/XX/year> I received notice that their investigation has concluded and that transaction isn't fraudulent. I never received that order from XXXX, I don't have any confirmation emails or anything because I did not order those flowers.

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 2026-03-01 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: FL

Complaint narrative:
Validation of Debt Request - MIDLANDCRE ( SYNCHRONY BANK ) - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: LA

Complaint narrative:
I keep receiving an email for a debt of {$2200.00} from TrueAccord debt collection. I have called and provided their tracting number ( Your TrueAccord account number is : XXXX ) and informed TrueAccord to send the original bill of sale to the address of record for the debt. I have not provided any information to the company or details to the company other than their account number. I have never seen anything in the mail about the debt previous to receiving the emails. This debt is not mine and it has never been on my credit report. I would like for TrueAccord to stop sending me emails about this debt.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing this complaint regarding an unresolved fraud dispute on my Apple Card account issued by Goldman Sachs Bank USA. On XX/XX/year>, an in-store transaction in the amount of {$1800.00} was processed at XXXX XXXX XXXX I did not authorize this transaction. I disputed the charge promptly. During the investigation, a provisional credit was applied. I was later notified that the investigation was completed and that their records indicate the transaction was authorized. The provisional credit is now being reversed. This transaction was allegedly completed in-store. I have never used my Apple Card physical titanium card for purchases, and XXXX has confirmed there is no history of physical card usage on my account. XXXX XXXX has only ever been enabled on my personal XXXX. My device was in my possession at the time of the transaction, and I did not authenticate any such purchase. Because this was an in-store transaction, the only possible authorization methods would have been : Physical card present with EMV chip read OR XXXX XXXX device authentication ( Face ID / biometric authorization ) Goldman Sachs has not provided documentation supporting either method. I have received only a generic statement that their records indicate authorization. Pursuant to the Fair Credit Billing Act, I am requesting documentation relied upon in concluding that this transaction was authorized, including : Confirmation of EMV chip read data Copy of signed receipt, if applicable Merchant response documentation Point-of-sale verification method Apple Pay authentication logs, if applicable Internal fraud investigation notes and decision basis Absent this documentation, the determination that this charge was authorized appears unsupported. I request either : 1. Permanent removal of the {$1800.00} charge ; OR 2. Complete documentation supporting the authorization determination. I am requesting the CFPBs assistance in ensuring a reasonable and documented fraud investigation has been conducted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The negative accounts currently reporting on my credit file are formally disputed under the Fair Credit Reporting Act. I have requested verification pursuant to FCRA 611 and 1681e ( b ). Any account that can not be fully verified with competent documentation should not be reported. Until proper investigation and verification are completed, these items must not be considered accurate representations of my credit history. I respectfully request that any lender reviewing this file consider that these accounts are under active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL SYST Balance {$2200.00} on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
Validation of Debt Request - RENTDEBT AUTOMATED COLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT SYSTEMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit file by Portfolio Recovery Associates that I formally dispute as inaccurate, unverified, and improperly validated under federal law. After reviewing my XXXX consumer disclosure dated XX/XX/2026, I identified the following accounts currently reporting as collection accounts : Portfolio Recovery Associates Balance {$1200.00} ( Original Creditor : XXXX XXXX XXXX ) Portfolio Recovery Associates Balance {$500.00} ( Original Creditor : XXXX XXXX. ) Portfolio Recovery Associates Balance {$1100.00} ( Original Creditor : XXXX XXXX. ) Portfolio Recovery Associates Balance {$400.00} ( Original Creditor : XXXX XXXX. ) Portfolio Recovery Associates Balance {$540.00} ( Original Creditor : XXXX XXXX ) These accounts are marked as Account information disputed by consumer yet continue to report without providing proper validation documentation. I dispute these accounts pursuant to : 15 U.S.C. 1681i ( FCRA Reinvestigation Requirement ) 15 U.S.C. 1681e ( b ) ( FCRA Maximum Possible Accuracy ) 15 U.S.C. 1692g ( FDCPA Debt Validation Requirement ) Despite prior disputes, the accounts were marked as verified without providing documentary evidence to me. A credit bureau can not rely solely on automated verification systems without conducting a reasonable investigation. To date, I have not been provided : 1. A copy of any original signed agreement bearing my signature 2. A complete payment history accounting 3. Proof of assignment or chain of title showing Portfolio Recovery Associates has legal authority to collect 4. Documentation verifying the accuracy of the reported balances If the company can not produce proper validation as required by federal law, I request immediate deletion of these accounts from all credit reporting agencies. If validation can not be completed within statutory timelines, continued reporting constitutes inaccurate reporting under the Fair Credit Reporting Act. I am requesting full documentation or permanent deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a complete loan modification package to Selene XXXX. On XX/XX/XXXX, and XX/XX/XXXX, I sent follow-up emails requesting a status update. The sheriff sale was originally scheduled for XX/XX/XXXX, and I obtained two adjournments, moving the sale to XX/XX/XXXX. On XX/XX/XXXX, I mailed a complete loan modification packet and requested that Selene use mutual and lender adjournments to allow sufficient time to review my submission. On XX/XX/XXXX, I resent a full, complete package including all required documentation, and again requested mutual and lender adjournments. I received only automatic acknowledgment emails and never received a completeness notice, notice of missing documents, or a review decision. Despite submitting a complete application more than 37 days before the XX/XX/XXXX sheriff sale, Selene has taken no action to review it or stop foreclosure, which I believe violates federal mortgage servicing rules ( Regulation X ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: KY

Complaint narrative:
I have tried and tried to talk with Cash App about while my account was closed they had sent me three emails telling me my disputes was granted in my favor the money was never returned they asked me if I filed a report with my phone company was stolen yes the man is in jail for it I informed them yet they said that they notified the right departed and look for a email that i didnt need to do nothing else they said that several times then I started sending them the emails about the disputes granted I. My favor then they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: IL

Complaint narrative:
Validation of Debt Request - DEBT CO COLL/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation