vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year>, four charges were made on the XXXX and XXXX app stores without my authorization. US Bank decided the four charges, totaling {$420.00}, are my responsibility. I was told on the phone that this decision was made because XXXX claimed that digital goods were delivered and so US Bank takes this to mean no fraud occurred. Digital goods are delivered on the app store as soon as a transaction is completed, so of course the digital goods can be claimed to be delivered. However, this does not disprove that I was a victim of fraudulent charges, nor does it prove that I approve the purchases. I am writing the CFPB after attempting multiple times to resolve this with US Bank. I have requested detailed information in writing that was verified over the phone and US Bank has sent me itemized statements, but still no details on how and why they made the decision to let XXXX keep my money. It is unacceptable that US Bank does not follow their own Cardmember Agreement of zero liability fraud protection, when I am expected to follow the Cardmember Agreement to the letter and am held accountable for interest, fees, etc. I expected US Bank to stand by their end of the legal agreement that they wrote themselves.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been disputing the inaccurate accounts and late payments TransUnion is reporting on my credit for several months now, and even after my last CFPB complaint on XX/XX/year> ( # XXXX ) they still haven't fixed a single thing. Every dispute I've sent has come back with canned form letters that don't address anything I actually disputed, plus repeated requests for the same ID information I already submitted, which is just a stall tactic so the wrong info stays on my report while my life falls apart. Because of their refusal to take any of this seriously, I lost the three-bedroom house we were supposed to close on, my wife has been at her mom 's for almost a month now, my whole life has been packed in boxes against these walls for three weeks, and yesterday I got a holdover tenant notice saying the new family signed the lease and takes possession this Sunday. I've attached the second dispute letter I sent TransUnion along with proof from my last complaint and the useless responses they've sent me, please help me get this fixed before I lose what's left of my family and my home.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I attended my initial XXXX appointment and made my initial payment for treatment. I was advised that my aligners would be shipped within approximately six weeks. When the aligners arrived, I discovered they did not fit. Upon reviewing the information in the XXXX app, I found that the account displayed another customers information, photographs, and dental images. The information appeared to belong to a male customer rather than me. I immediately attempted to resolve the issue through the XXXX app and repeatedly notified the company that I had received another persons aligners and account information. When I was unable to obtain assistance through the app, I began communicating by email on XX/XX/year>. During those communications, XXXX advised that a video call would need to be scheduled so that I could destroy the incorrect aligners while they observed. I cooperated and followed their instructions, but the call was never scheduled and replacement aligners were never sent. As a result, I never received the orthodontic treatment that I paid for. I have retained the incorrect aligners and documentation related to my attempts to resolve the issue. I also have email communications showing my efforts to obtain assistance. Communication eventually stopped, and XXXX later entered bankruptcy proceedings before resolving the matter. Despite never receiving the correct aligners or the treatment I purchased, the account was placed with TEK Collect, which is now attempting to collect approximately {$1900.00} from me. I do not believe this debt is owed because the contracted treatment was never properly provided. I made repeated good-faith efforts to resolve the issue directly with XXXX before communication ceased. I am requesting that TEK Collect cease collection efforts, determine that this balance is not owed, remove any negative credit reporting associated with this account, and update the account accordingly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
I have already filed complaints with the Federal Trade Commission ( FTC ), my State Attorney General, and the XXXX XXXX XXXX regarding Credit Control , LLC 's continued reporting of this alleged debt. I never received the required initial written notice before this account was placed on my credit report, and I have repeatedly requested proper documentation and validation of this alleged debt multiple times. Credit Control continues to report this account despite failing to provide competent evidence that I legally owe this debt. Simply providing a billing statement, balance screenshot, or account summary is not proper validation. Because this account is being reported as an alleged XXXX debt, proper validation should include, at a minimum : A copy of the original signed service agreement or contract bearing my signature. Complete billing statements showing how the balance was calculated. A detailed payment history from account opening through charge-off. Documentation establishing that I was the person responsible for the account. Documentation showing the date the account was opened. Documentation showing the date of default. Documentation showing the amount allegedly owed at charge-off. Documentation proving Credit Control has authority to collect on this account. Documentation identifying the original creditor and account number. Documentation establishing the chain of assignment or transfer, if applicable. Any documents used to verify this account with the credit reporting agencies. Additionally, if Credit Control claims an initial notice was sent, I request proof of delivery. Simply stating that a letter was mailed does not prove that it was received. If Credit Control is claiming compliance with FDCPA 1692g, they should provide evidence showing when and where the notice was sent and proof that it was actually delivered. Certified mail with a signature would establish receipt. Unsupported claims that a notice was mailed are not proof that the consumer received it. I have repeatedly requested this information and have not received it. Instead, this account continues to be reported and verified without supporting documentation.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services , Inc. is engaging in unlawful and predatory collection practices regarding an alleged debt from XXXX XXXX, which is currently under an active federal regulatory investigation with the FCC under Ticket # XXXX. The original creditor, XXXX XXXX, breached its contract by failing to provide functional telecom services and refusing to honor its explicit 30-Day Money-Back Guarantee. On XX/XX/year>, XXXX XXXX Vice President of Regulatory Affairs signed an official response to the FCC regarding this active dispute ( attached as evidence ). However, instead of awaiting the FCC 's final administrative determination, XXXX acted in bad faith by blocking my account access and transferring the unverified balance of {$1100.00} to Sunrise Credit Services. Sunrise Credit Services has completely ignored the open federal dispute. They are relentlessly harassing me via automated daily phone calls and text messages demanding payment. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, it is unlawful to engage in collection activities or threaten a consumer 's credit profile over a balance that is actively being audited by a federal agency. Sunrise Credit Services is violating my consumer rights and attempting to bypass the FCC 's regulatory authority.

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 — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citibank XXXX card. After speaking to a representative at XXXX. I was told that I could apply for a card and use the card number that they provide me that day to make a purchase. After opening the card and being provided a temporary card number picked there from XXXX refused to use the temporary card number in store. I wasn't able to make the purchase that I intended to. I had to pay cash for the item instead because of his refusal. I contacted XXXX at this XXXX location, the store manager who tried to resolve this situation with Citibank but was unable. I open this card under false promises and pretenses made by the XXXX staff.

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 — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
You reported a collection to all XXXX of my credit bureaus without ever sending me the dunning letter required by federal law, and because of it my wife and I walked out of our mortgage closing this morning empty-handed. We'd saved XXXX years to close on that three-bedroom, my wife had already bought the keychain, and we had to walk out past the other couples in the lobby because the loan officer pulled my credit and saw the collection you slapped on my file without ever giving me a chance to dispute it. None of this would have happened if you'd followed the steps the law put in place before reporting a debt to the bureaus. I've attached the letter I sent you laying out every FDCPA violation in detail.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am reporting Citibank , N.A . for severe negligence and a direct violation of federal consumer electronic banking protections regarding a documented case of criminal extortion and physical duress.On XX/XX/2026, an unlicensed, fraudulent moving carrier took physical control of my family 's personal belongings, altered my pricing contract under extreme duress, and forcefully extorted a {$600.00} payment from me via XXXX while I was stranded in a highly vulnerable position with my children. Under electronic banking laws, a transaction authorized under physical duress and extortion is non-voluntary and constitutes consumer fraud.This is a verified criminal matter actively being prosecuted under Texas Department of Motor Vehicles Enforcement Case : XXXX XXXX. The assigned state detective, Investigator XXXX XXXX, has officially leveled 10 separate statutory fraud violations against this carrier 's network. Furthermore, I have open consumer protection tracking files with the Texas Attorney General ( XXXX ) and the Federal Trade Commission.Citibank 's dispute department is completely ignoring these official law enforcement tracking metrics and has permanently closed my fraud file simply because the electronic funds cleared securely. This automated corporate negligence has forced my checking account into a severe negative overdraft, stranding my children at a temporary hotel stay. I demand an immediate federal intervention, a full manual underwriting review of the state law enforcement files, and the immediate reinstatement of my provisional funds to resolve this negative balance.

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 — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I was not informed that the initial debt was sold to another company. The are also trying to collect more than what the debt is worth.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> Via Certified Mail Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Alleged Accounts Reported Under My Name To Whom It May Concern : I am writing to formally dispute the alleged account ( s ) that your company is reporting and/or attempting to collect. I do not acknowledge liability for these alleged debts and demand strict proof of your claims. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to report only information that is complete, accurate, and verifiable. I demand that you provide the following : 1. A copy of the original signed contract bearing my signature. 2. Complete account statements from inception to present. 3. Proof that your company has legal standing and authority to collect. 4. A complete chain of title and assignment from the original creditor. 5. Documentation proving the amount claimed is accurate. 6. Proof of the date of first delinquency. 7. Proof that all information furnished to the consumer reporting agencies is 100 % accurate and verifiable. Please note that a computer printout, account summary, spreadsheet, or internal records do not constitute competent evidence of liability. Furthermore, I dispute the accuracy of the information currently being reported. The reporting appears inconsistent, incomplete, and unverifiable. If you are unable to provide the requested documentation, you must immediately cease reporting this account and request deletion from all consumer reporting agencies. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist all collection communications with me except for : * Providing the requested validation documents ; or * Notifying me of specific legal action actually being taken. Any continued reporting of information that can not be verified may constitute negligent or willful noncompliance with 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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: 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: FL

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 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The bottom line of Synchrony Banks response is that even if their health care provider and Synchrony Bank commit fraud and misrepresentation, it is ok as long as the customer agreed to it. Ignored in the response are the following allegations : 1. A doctors note was presented to the XXXX XXXX XXXX during their refund consideration period stating that it would be harmful to me if I continued to wear the XXXX. Please explain why an orthotic not prescribed by a licensed health provider should be worn when my doctor says it would worsen my condition. See attached letter from XXXX XXXX. 2. That the owner of XXXX XXXX XXXX XXXX XXXX was not authorized to do business in Florida as of the purchase date, XX/XX/year>. Please explain why the contract mentioned in Synchrony 's letter shouldnt be declared null and void. 3. That Synchrony Bank misrepresents XXXX XXXX XXXX XXXX as a legitimate health care provider of orthotic treatment by inclusion of this provider in Synchronys CareCredit program, when in fact they sell o the shelf XXXX fitted without benefit of a licensed health care provider. Please explain why this is not misrepresentation of the product and service, and why XXXX XXXX XXXX are sold for a purpose they are not reasonably able to fulfill. 4. That while the practices of XXXX XXXX XXXX XXXX, and the practices of Synchrony independently may not be deceptive, but that when operating together, colluding, it creates a deceptive and unfair practice because, 4.1 Synchronys credit availability enables Good Feet to sell XXXX at prices several times greater than professionally prescribed XXXX. 4.2 Synchrony, specifically Symphony CareCredit, creates the misleading impression that XXXX XXXX XXXXXXXX meet medical specifications and are fitted by licensed medical professionals. 4.3 That Synchrony is aware of this deception because of past and present litigation against XXXX XXXX XXXX XXXX or its predecessor, and Synchrony was a credit provider to XXXX XXXX customers before and after the prior litigation. Please explain why the assertions in paragraphs 1 thru 4 above are not true. The above referenced CFPB cases should not have been closed since Synchrony Banks response did not address the above enumerated issues, and I demand a response to each of these issues.

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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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: 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I purchased airline tickets from supposedly XXXX on my XXXX for {$4600.00}. When I found out later ( I called the airline to ask a question ) that there are no reservations in my name, I immediately called the merchant. There were XXXX busy rings and then the phone went dead. I called many times and the same thing happened. At that time I notified Citi Cards and started a dispute. Then we found out that it wasnt XXXX but rather XXXX. For over a year theyve opened and closed many disputes, tossing me from the dispute department to the fraud department, back and for and each time I got a letter, telling me the dispute was closed and a different reason was claimed. The police had opened an investigation and were unable to reach the merchant. I have the police report, letters and emails I had sent to Citi Cards and they have disregarded them all.

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