vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Navy federal bank ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX \n\n\nRe : Account No. [ XXXX ] Formal Dispute and Cease Harassment\n\nTo Whom It May Concern, \n\nI am formally disputing the validity of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby notified of the following : \n\nHarassment Prohibited 15 U.S.C. 1692d\nYour repeated calls, threats, or other conduct designed to annoy, abuse, or harass me violate 1692d. This includes, but is not limited to, excessive phone calls, hostile tone, and any suggestion of legal action that you are not both authorized and intending to pursue. Let me be clear : such conduct is unlawful and will not be tolerated.\nValidation Required 15 U.S.C. 1692g ( b ) \nUntil you provide proper verification of the alleged debt including the original creditors name, itemized accounting, and legal proof that you have the right to collect you must immediately cease all collection efforts.\nCease Harassment & Contact\nI demand that you stop contacting me by phone entirely. Any further communication must be in writing only, sent to the mailing address listed above.\n\nSincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing against XXXX XXXX XXXX, and Bank of America for inaccurate reporting on my credit reports dated XX/XX/year> ( pages 7-9 ). Specific inaccuracies : ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported as Paid but also Collection/Charge off with Payment after charge off. XXXX : Closed with Late 60 Days. XXXX : Derogatory, Collection/Charge off, with excessive lates ( e.g., 90 days late up to 19 times ). These statuses are inconsistent across bureaus and do not match my records. The account ( s ) were paid or settled in full. The continuing derogatory marks and late history are inaccurate and unverifiable. I have disputed these items multiple times before, but they were verified as accurate without proper investigation. Attached are supporting documents showing the errors. Requested Resolution : Immediate FCRA-compliant reinvestigation, deletion or correction of the charge-off status, derogatory rating, and all inaccurate late payments. Provide updated reports from all three bureaus.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing this complaint against Sunrise Credit Services (XX/XX/XXXXXXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Sunrise Credit Services appeared on my consumer credit report listing an alleged balance of {$390.00} ( Credit Report Grid Code : G ). After their initial phone contact, I sent Sunrise Credit Services a written debt validation letter formally disputing the debt and demanding verification of the alleged obligation pursuant to my rights under 15 U.S.C. 1692g. That letter demanded they cease all collection activity until the debt was properly validated. Despite receiving my written dispute and validation demand, Sunrise Credit Services continued collection activity including phone calls, without providing any validation of the alleged debt. They have not furnished : proof of an original signed agreement, a complete itemized accounting of the alleged balance, documentation of their legal standing and chain of ownership, or any other verification required to substantiate the alleged debt. This conduct constitutes the following violations : 1. Failure to cease collection activity after written dispute 15 U.S.C. 1692g ( b ). Once a consumer notifies a debt collector in writing that the debt is disputed, the collector must stop collection activity until it mails verification of the debt to the consumer. Sunrise Credit Services continued contact without providing any such verification. 2. Continued communication after dispute 15 U.S.C. 1692c. Their continued phone contact after receiving my written dispute constitutes unauthorized communication in violation of the FDCPA. 3. False or misleading representations 15 U.S.C. 1692e. By continuing to pursue collection of an unverified, disputed debt, Sunrise Credit Services has made implied misrepresentations about the character, amount, and legal status of the alleged debt. 4. Continued reporting of a disputed debt without notation 15 U.S.C. 1692e ( 8 ) and FCRA 15 U.S.C. 1681s-2 ( b ). Reporting a debt to consumer reporting agencies that is known to be disputed, without notating it as disputed, is a violation of both the FDCPA and the Fair Credit Reporting Act.

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 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: IL

Complaint narrative:
I just recieved an email with my information and it has an incorrect address I live in Illinois not Florida so all my information got sent there. Im disgusted that this happened and needs to be correct and delt with 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

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 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 2026-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
After spending several hours on the phone being hung up on and asked nonsensical verification questions such as the height of an individual that does not exist and is not on the account, I chatted in and then was told, quote, no one can help, unquote. This is after yesterday they said they had an overnight check coming that did not arrive today. They are refusing and failing to provide a tracking number and telling me, quote, no one can help, unquote, and wasting hours of my time.

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 2026-06-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We were contacted by a nameless woman said she was a process server for an attorney who was trying to subpoena me on a court case # XXXX. The " attorney '' was XXXX XXXX @ XXXX, and I called. The person I spoke with told me who he represented and why, but never his name. I referred him to my attorney to which he kept affirming " as you refuse to settle this debt today '' they will move forward with legal proceedings and filing a lien on my property. This debt is for a XXXX XXXX XXXX Wells Fargo credit card and I was referred to your site to file complaint.

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 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to Einvestigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have repeatedly contacted both XXXX and Citi in order to resolve a fraudulent charge of {$250.00} on XX/XX/year> on my CITI Credit Card. Fraudulent transaction information is attached ( XXXX XXXX XXXXXXXX ). I immediately contacted XXXX XXXX numerous times in early XXXX to figure out why they were charging me {$250.00}, and every single agent within XXXX XXXX TICKETS ( aka XXXX XXXX ) I spoke with could * NOT * find this charge in their system. Every single agent agreed that I should contact CITI to initiate a charge dispute to get the transaction refunded/reversed. I proceeded to do so. If you contact XXXX XXXX directly, you will see that there's a notation on my EPIC PASS account ( associated with email XXXX ) that on XX/XX/year> from agent " XXXX XXXX '' that " we show no transaction for that amount ''. This was also recently confirmed again on XX/XX/year> with an agent named XXXX who double checked all transactions associated with all XXXX people on my account. CITI, however, does not seem to be putting in much effort into validating these claims with the merchant. The first time I attempted to dispute the transaction, CITI simply auto-denied without contacting the merchant on XX/XX/year>. After contacting CITI and attempting to understand how this was possible, they claimed that the dispute was filed incorrectly and re-attempted to process the dispute. CITI then requested information from me on XX/XX/XXXX, to which I attested via affidavit that I did not authorize this transaction and that it was indeed fraudulent. They * finally * contacted the merchant on XX/XX/year>, and apparently received a response on XX/XX/year>. On XX/XX/XXXX ( XXXX ) they claimed that the merchant provided documentation confirming that I authorized this transaction ( see citi_dispute ( XXXX ) .pdf attachment ). Knowing this to be false, I once again spoke with XXXX XXXX and CITI. Merchant then re-confirmed that they could not find any transactions associated with my account, or with my email address or home address. When I pressed CITI for the documentation that the merchant provided, agent " XXXX '' whom I spoke to on XX/XX/year> simply said they will re-open my dispute and put in a request for CITI to respond to me within XXXX business days. It is clear that I am dealing with an unwilling credit card provider ( CITI ) who refuses to do their due diligence in investigating this fraudulent charge. CITI is clearly giving me the run-around and are trying to make this process soo painfully complex, slow and excruciating in hopes that I give up and accept their incorrect determinations due to their lack of effort in validating this charge with the merchant ( XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ive requested the original lien release for my vehicle multiple times since XX/XX/year> when the vehicle was originally paid off. Ive never received this after a minimum of five requests. On my most recent request being Friday of last week, I requested a fax of this as well as the physical one to be sent to my mailing address on the same day. I received the fax ; however, the licensing place will not accept this to remove Ally from the title because it is not the original that Ive been requesting for two years now. It is absolutely insane to be requesting this over and over again. I need my original, notarized document to be able to do anything with a car Ive owned for nearly two years.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I am filing a formal complaint against Barclays Bank Delaware regarding a missing promotional sign-up reward for my credit card ending in XXXX. I opened this account in XXXX and successfully fulfilled all promotional spending terms on XX/XX/XXXX. Despite this, I have still not received the promised payout due to an unacceptable data mismatch loop between Barclays and its co-branded partner, XXXX. Barclays states they can not open a case or contact XXXX regarding the missing transfer of my earned reward without my XXXX member number, but this number is completely invisible on my XXXX online dashboard. XXXX has spent the last three to four months delaying the process through their slow online web-inquiry system. Several weeks ago, I completed a special identity validation link they sent me. Even though my name, date of birth, and other identifiers are absolutely unmistakable across both systems, XXXX did nothing with my verified identity for weeks and is now stalling by asking the same confusing questions about my email addresses. Because I use different emails, there may be a minor mismatch on file. However, a potential email discrepancy should not prevent the payout of an earned reward when my core identity has been validated. With Barclays claiming they can not open an internal case without the member number, and XXXX not providing my member number despite countless inqiries, the companies are trapping me in a corporate runaround.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

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 la w.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/year> I recieved a text notification about changes to my U.S. Bank account being made. I did not authorize this change so I called. U.S.Bank first tried to say it was due to account maintenance. It was later found out that someone CALLED and attempted to change the number and was upset they could not. We pressed the issue that there was a breach and we were told it was all fine and nothing further was needed to be done. XX/XX/year> I again got an alert that my phone number was being changed. This time it was successfully changed. I again called U.S. Bank and their fraud department was very dismissive for about 30 minutes then it was found someone did gain unauthorized access to my account after successfully changing my phone number. They stopped giving information on what may have happened and I assume it is because the attacker called again and U.S. Bank employee made the change for the attacker. We have asked for more information and we are just told something about AI and this will just happen. In the mean time, because they told me the attacker had full account access and did go into them, I had to freeze all of my accounts. During this, I went in to change my password. There were errors for over 15 hours. They finally told me to log out of my account and press forgot password. That is where I found the only thing needed was to have the account have a phone number I have and last 4 of social to gain access to the account.

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 2026-06-12 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: TX

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 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ABILITY RECOVERY SERVICE XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request for Account Dear ABILITY RECOVERY SERVICE I am writing to formally request validation of the debt you claim I owe, related to account. I do not acknowledge this debt, and I am requesting that you provide me with proof of your legal right to collect it. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate the debt. Please provide the following information : 1. Proof of the original debt agreement : This should include a copy of the contract or agreement signed by me that details the terms and conditions of the debt. 2. Verification of the amount owed : Please provide a detailed breakdown of the amount you claim I owe, including all principal, interest, fees, and charges. 3. Proof of your authority to collect : Show me documentation that proves you are authorized to collect this specific debt. 4. Original creditor information : The name and address of the original creditor who assigned this debt to you. 5. Date of last activity : The date of the last payment or activity on this account. Until you provide this requested validation, please cease all collection efforts. If you are unable to validate this debt as requested, I expect that you will remove this account from your records and report it as uncollectible. Please send all correspondence regarding this matter in writing to the address listed above. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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