vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX I was at the gym planet fitness I placed all my belongings my purse and my water bottle all my items brought in change of clothes inside of a locker. After my XXXX workout with my trainer I returned to a locker room full of chaos and realized a few other women lockers as well as mines had been broken into and items and purses wallets were stolen when I noticed my wallet and cards were stolen along with a few other personal items I immediately contacted the front desk where they had call law enforcement and all reports were taken and I was asked to contact my bank to file a dispute for unauthorized changes after finding my card had been swiped for transactions with a company called XXXX XXXX XXXX contacted my bank and filed the dispute and was then denied and told I authorized the charges despite my proof of gym clock ins as well as my police report. Current failed to properly investigate my claim for unauthorized charges. XXXX current.com

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CL Holdings LLC
State: GA

Complaint narrative:
Mailed a ID Theft Affirmation to Jefferson Capital. They just keep saying they are looking at it. But don't rectify the problem. I have had a lot of fraudulent activity on my credit cards and credit report. I wish to take care of this issue. I do not have a pay pal account or credit card from Jefferson or XXXX. Reference Number according to anti Theft Letter I sent is XXXX. Have XXXX XXXX for resolution of my credit cards. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I contacted Avant to close my credit card account and then paid the balance in full. XX/XX/XXXX I was notified by XXXX XXXX that Avant had posted a {$75.00} fee XXXX years after the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank Account was opened XX/XX/year> cash was deposited. This is a business account. I received 2 XXXX payments and the account was closed without notice on XX/XX/year>. Immediately I went to the Truist bank branch where the account was opened and asked to withdraw my funds since the account had been closed with an available {$7800.00} balance that was deposited from cash and XXXX payments. The Truist branch manager XXXX stated I needed to wait until some payments posted to ensure the closing balance was {$7800.00}. I returned to the branch every day as advised to withdraw the funds once the payments were posted. On XX/XX/year> when I entered the Truist bank I was notified the manger was on a phone meeting until XXXX, I went next door had a coffee and breakfast and when I returned to the Truist branch to see if the manager had finished his meeting I was screamed at by the manager told I was harassing his customers and to leave or the police would be called to arrest me for trespassing, appalled I left the Truist branch called the bank and drove to another Truist branch to withdraw the funds. I went to 4 Truist branches to make the withdrawal with no avail. The last branch told me a check was mailed to my address. I received a letter dated XX/XX/year> stating I had 10 business days to withdraw funds or a check would be issued. It is XX/XX/XXXX I have never received any check I have called the Truist bank multiple times and every time the answer is different but there is never a solution. I have been told 2 checks have been sent out and it would take 11 business days to get a tracking number if the check was not delivered, a tracking number has never been provided to me. The last time I called Truist bank the fraud department refused to speak to me stating they were only going to speak to my attorney and to have my attorney call. XXXX later my fiance called and Truist told him a check was mailed again. I truly believe Truist bank stole my funds and are refusing to give it to me. I need my funds in a timely manner it has been a total of 41 days Truist bank has illegally held my funds.

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 2026-05-04 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: NV

Complaint narrative:
On Sunday, XX/XX/XXXX a gentleman took my husband and I to the XXXX XXXX XXXX in XXXX XXXX from our hotel. The ride was approximately XXXX minutes, and we were told the cost would be XXXX XXXX XXXX XXXX, or approximately XXXX USD. When we arrived at the airport, the man took my husbands credit card and attempted to put the charge for the ride through. We were told that the transaction was declined. We then tried my XXXX card ( the subject of this investigation ), and were again told that the transaction was declined. He then pulled out a different credit card machine and my husband gave him yet another card to attempt the charge. We were again told that the transaction had declined and the man finally accepted a cash payment for the ride, but no receipt was provided. When we got into the airport, we checked our accounts to ensure that no charges had been posted to our accounts, only to discover that not only had all three cards been charged, but the charges greatly exceeded the amount that should have been charged, proof of charges were provided to Bank of America. We disputed all the charges with the banks right away, only to be told that we had to wait until the charges posted to dispute the transaction. We also messaged the man on XXXX to advise we knew that he had scammed us and that we wanted a refund, screenshots of that conversation provided. Please see XXXX as this confirms what transactions we approved and what was charged. Despite the promise to look into the matter, we never heard back from the gentleman. I disputed the charge with Bank of America as soon as the charge posted. Bank of America refused to reverse the charge. I have since appealed that decision with Bank of America XXXX times, and each time, they refuse to reverse the fraudulent 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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion allowed a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). ( Account # XXXX ) to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this to be added, and yet its there, damaging my credit. Ive already asked for validation from the collection agency by filing with the CFPB on XX/XX/year>, but they havent provided anything. No signed contract, no breakdown of the alleged balance, no proof of who even owns the debt or has the legal right to collect it. This completely violates 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says Im supposed to get proper verification when I ask for it. On top of that, I never even got a real chance to dispute this, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). And yet Transunion still reported this to my credit file as though its accurate. Thats not just unfair its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. Also, how can I even trust Transunion 's report when this same account isnt reported the same way by the other credit bureaus? Thats a major red flag. If the information isnt consistent across CRAs, then it clearly doesnt meet the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ). It makes me seriously question how Transunion verifies anything or if theyre just blindly accepting whatever gets submitted without checking with the consumer at all. At this point, I want this account permanently removed from my Transunion credit file. It was reported without consent, without verification, and without following proper procedures. Its causing damage that shouldnt be happening, and Transunion needs to be held accountable. This entire situation has been frustrating, stressful, and completely avoidable if they had just followed the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

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 non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I paid off my USAA loan on XX/XX/year>, with an electronic check for {$10000.00}, the payoff at the time was {$10000.00}, creating a credit balance of {$400.00}. USAA is refusing to give me access to the overpayment of funds for almost a month after they received the payment ( XX/XX/year> is the date of availability ). I am receiving multiple late fees because of the strain this has put on my finances. Of the {$400.00} I'm receiving back, I now have to pay {$220.00} in late fees. That {$400.00} was supposed to have paid bills, not put me farther behind. No one at USAA is willing to help me in this situation. No one notified me at the time of payoff that this would happen. I know reg cc covers deposit accounts, but what's covering loans and why are they able to hold my funds for a MONTH?

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Greetings, I've checked several websites such as XXXX anXXXX XXXX XXXXnd noticed that my personal information has been breach/compromised. I called all three companies and was told that the debts were paid off. After reviewing my XXXX credit reports I noticed that the XXXX debts listed below were listed as XXXX XXXX XXXX. Synchrony Bank : {$11000.00} XX/XX/2025 Synchrony Bank : {$14000.00} XX/XX/2025 Synchrony Bank : {$4200.00} XX/XX/2025 At this time, I'm requesting that the XXXX accounts listed above be removed from my credit report and any other negative information as well. In accordance to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B. Thanks 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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian allowed a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). ( Account # XXXX ) to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this to be added, and yet its there, damaging my credit. Ive already asked for validation from the collection agency by filing with the CFPB on XX/XX/year>, but they havent provided anything. No signed contract, no breakdown of the alleged balance, no proof of who even owns the debt or has the legal right to collect it. This completely violates 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says Im supposed to get proper verification when I ask for it. On top of that, I never even got a real chance to dispute this, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). And yet Experian still reported this to my credit file as though its accurate. Thats not just unfair its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. Also, how can I even trust Experian 's report when this same account isnt reported the same way by the other credit bureaus? Thats a major red flag. If the information isnt consistent across CRAs, then it clearly doesnt meet the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ). It makes me seriously question how Experian verifies anything or if theyre just blindly accepting whatever gets submitted without checking with the consumer at all. At this point, I want this account permanently removed from my Experian credit file. It was reported without consent, without verification, and without following proper procedures. Its causing damage that shouldnt be happening, and Experian needs to be held accountable. This entire situation has been frustrating, XXXX, and completely avoidable if they had just followed the law.

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I HAVE BILLS COMING UP AND CITIBANK HAS MY SAVINGS AND CHECKING ACCOUNT CLOSED WITH ALL MY HARD EARNED MONEY IN IT! I RECEIVED NO EXPLANATION ON WHY MY ACCOUNT WAS CLOSED. I HAVE KIDS AND BILKS TO PAY FOR I WILL LOSE MY APARTMENT BECAUSE OF CITIBANK!

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
b'These cards were closed in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Never had an account with LVNV FUNDING LLC. Reporting collections for XXXXmo on credit report. Not sure who company is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
I am submitting this complaint regarding ongoing collection attempts on a solar loan tied to a system that was never completed or placed into service. I previously submitted a complaint regarding this matter through the Consumer Financial Protection Bureau in XX/XX/year>. That complaint primarily addressed credit reporting concerns. This complaint is being submitted because the issue remains unresolved and the company continues collection activity without providing proper validation of the debt. On XX/XX/year>, I formally disputed this account in writing. The solar system associated with this loan was installed but never completed. The required final inspection and interconnection with the XXXXXXXX XXXX XXXX were never performed, and city records confirm that the system was not approved or connected. In XX/XX/year>, I received written communication from the company stating that the system is currently disconnected and requires payment to be reconnected. This indicates that the system is not operational and has not provided any benefit. Despite this, the company continues to attempt to collect on the account. I have received repeated phone calls, but the company has not provided proper written validation of the debt. I have requested documentation including proof of completed installation, final inspection approval, evidence that the system was ever operational, a full payment and balance history, and legal justification for enforcing the debt despite non-performance. This information has not been provided. Additionally, this account was removed from my XXXX credit report following a dispute, raising concerns about the validity and accuracy of the debt. I believe the company is attempting to collect on a debt tied to a system that was never fully delivered or operational. I am requesting that the company either provide proper validation of the debt or cease all collection activity. Supporting documentation has been provided, including written communication from the company acknowledging the system is disconnected and documentation confirming the lack of final inspection and connection. I request that all future communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: CO

Complaint narrative:
I am filing this complaint against NCSPlus Incorporated regarding fees I was charged in connection with a traffic infringement originally issued by the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX. TIMELINE OF EVENTS : XX/XX/XXXX : Traffic infringement issued in XXXX, XXXX. The fine at that time was XXXX EUR if paid within 5 days. XX/XX/XXXX : I received my first and only notice of this infringement, more than 8 months after the original issuance. By this point, the fine had already escalated to the maximum assessed amount of XXXX XXXX XX/XX/XXXX : I attempted to pay using the instructions provided in the notice. The payment portal required EU residency and did not accept U.S.-issued credit cards. No valid bank transfer information was provided that would allow a U.S. citizen to remit payment. I spent several hours researching alternative ways to pay the XXXX XXXX XXXX XXXX XXXX directly and was unable to find any option accessible to a non-EU resident. XX/XX/XXXX : I emailed the XXXX XXXX XXXX directly to request a payment method accessible to a U.S. citizen. XX/XX/XXXX : I received a reply from the XXXX XXXX XXXX, more than XXXX months after my inquiry. Their response directed me to the same payment link, which once again excluded non-EU residents from completing a transaction. Early XXXX : I received a collection notice from NCSPlus Incorporated stating the balance was now {$600.00}. Upon calling XXXX, I was told that fees had been added first by a XXXX collection agency and then again by XXXX, compounding the original XXXX EUR fine into a {$600.00} demand. XX/XX/XXXX : I paid the {$600.00} in full, under protest, solely to protect my credit standing. NATURE OF COMPLAINT : I do not dispute that the original traffic fine was issued. However, the collection fees added by the XXXX agency and NCSPlus are the direct result of a payment system that was inaccessible to U.S. citizens and an 8-month delay in notification that prevented me from paying the reduced fine amount. I was given no opportunity to prevent these fees from accruing despite making consistent, documented, good-faith efforts to pay. I am requesting a refund of all fees charged above the original maximum fine of XXXX EUR. I am also noting that I have found XXXX complaints from other U.S. travelers describing nearly identical circumstances with NCSPlus, including broken payment portals, delayed notices, and inflated collection amounts. This appears to be a pattern of practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief