vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: CA

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 explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Five Lakes Law Group PLLC
State: VA

Complaint narrative:
Five Lakes Law Group negotiated a settlement on my behalf with XXXX Bank. The fee was to be collected from monthly payments made to a dedicated account ; however, unable to sustain even these payments, I filed bankruptcy on XXXX XX/XX/year>. I immediately notified Five Lakes. My account was closed ; however, the remaining funds in the dedicated account were withheld to satisfy part of the fee. Collecting these funds after the stay is effective violates bankruptcy protections. I've contacted Five Lakes on multiple occasions only to be told that my case has been " escalated ''. On XXXX XX/XX/year> at XXXX XXXX EST, I sent a copy of my bankruptcy petition. I received an email from XXXX confirming receipt. On XXXX XX/XX/year>, a monthly payment of {$210.00} was drafted from my personal checking account. On XXXX XX/XX/year> at XXXX XXXX EST, I sent a copy of the petition again, requesting the account be closed At XXXX XXXX EST, I received a response confirming receipt from XXXX. On XXXX XX/XX/year> at XXXX XXXX EST, I received confirmation of program cancelation. On XXXX XX/XX/year>, I called Five Lakes to inquire about the remaining balance in my dedicated account. I was informed that the funds were collected to satisfy the program fee. I was advised to send a copy of the petition to a different email and that the money would be refunded. XXXX confirmed receipt at XXXX XXXX EST. I requested confirmation of refund at XXXX XXXX EST and was advised to call their office again in the response received a XXXX XXXX EST. On XXXX XX/XX/year>, I called Five Lakes and was advised that a refund was issued on Monday, XXXX XX/XX/year>, and would be deposited into my checking account no later than Monday, XXXX XX/XX/year>. The funds were not received and I sent an email to Five Lakes inquiring the status of this issue on XXXX XXXX. I received no response. On XXXX XXXX, I called again. I was advised that the account is in third tier review. Sent ANOTHER copy of petition at XXXX XXXX EST and receipt was confirmed by automatic response. I've called again on XXXX XXXX and XXXX XX/XX/year> and no one from a " third tier '' returns my call or addresses the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: IA

Complaint narrative:
I keep receiving a phone call from XXXX. Caller ID states that it is general revenue. Call started on XX/XX/year>. I received a phone call at XXXX XXXX and XXXX XXXX. No message left. I receive calls again on XX/XX/XXXX. I received two phone calls at XXXX XXXX again another two phone calls at XXXX XXXX and I received four phone calls at XXXX XXXX and then another phone call at XXXX XXXX again no messages left on XX/XX/XXXX. I received four phone calls at XXXX XXXX. No Message left. I received a phone call on XX/XX/XXXX at XXXX and again at XXXX XXXX no message left. On XX/XX/XXXX, I received a phone call at XXXX XXXX and four times at XXXX XXXX again no messages left. On XX/XX/XXXX I received a phone call at XXXX XXXX again at XXXX XXXX and three times at XXXX XXXX no messages left. And I received phone calls today at XX/XX/XXXX a phone call at XXXX XXXX and then five times at XXXX XXXX again no messages left. This is what prompted me to file a formal complaint. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MS

Complaint narrative:
XXXX says we are 81 behind when we are all caught up payments started XXXX of XXXX, through XXXX of XXXX, so far, thier records are missing XXXX through XXXX payments of XXXX, we have our records of payments, for those months, plus all the other payments, plus on doc 's for each month it's not showing accural payments made on their records, and amount not going down from the loan amount, now they are threatening repossession, if we don't pay them {$740.00} by Monday XX/XX/XXXX, to so called get caught up, if not payed by that date, they will proceed with the repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I placed an order for couch online XXXX XXXX 5 min after I made the purchase I called XXXX XXXX and told them cancel My order. I never got a definitive answer so I disputed the charge with Apple Card. They put a credit on my account the amount of the couches. XXXX XXXX refunded the money nothing was ever received. Apple Card Goldman Sachs WILL NOT REMOVE THE CREDIT ON MY ACCOUNT. This has been going on since the first week of XX/XX/2026. I cant use my card because it will be taken off the credit and leaving me with a huge bill when they finally remove the credit thats not my money. I have called and spent hours on the phone with Goldman Sachs Supervisor twice. They apologize and tell me the money will be removed in 5 days. No week after week they dont remove the credit. I feel like its a glitch in the system. They wont call me and I cant talk directly to the dept involved with removing the credit thats not mine. Month XXXX going on month XXXX. Please help me Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint regarding inconsistent and inadequate explanations related to over-limit transaction approvals on my Apple Card issued by Goldman Sachs. On XX/XX/year>, my Apple Card account balance exceeded my credit limit. My credit limit is {$5300.00}, and my account balance was {$5400.00}. On that same date, I was charged {$100.00} in interest. Despite the account already being over the limit, on XX/XX/year>, a merchant transaction in the amount of {$61.00} was approved on the account. On XX/XX/year>, I contacted Apple Card customer service to ask why the transaction was approved despite insufficient available credit. The initial representative stated that the transaction was approved because it was pending and that the money was coming back. This explanation did not accurately explain how authorization decisions work for available credit, as pending transactions still impact available credit and authorization decisions. I was also told that it doesnt matter what my credit limit is, if a transaction is attempted it will be approved. I requested escalation to a supervisor. During that conversation, I was told that the transaction is still pending, so it may not be affecting my credit limit, even though it had already been approved. I then specifically requested a copy of the policy, terms, or disclosure stating that transactions may still be approved after an account exceeds its stated credit limit. No policy, written explanation, or supporting documentation was provided despite my request. I escalated the problem and had a case opened. On XX/XX/XXXX, after the case was reviewed, I received a call from a supervisor and representative. I was again told that the result of the escalation states verbatim, We can not block or decline merchants from charging your account. They advise you to contact merchants and update the payment info if you no longer wish for them to charge the card. This response still does not explain why a transaction was approved after the account had already exceeded its stated credit limit, nor does it explain the issuers authorization practices regarding over-limit transactions. My concern is not simply that the transaction was approved, but that representatives provided contradictory and inadequate explanations and failed to provide any written policy or disclosure supporting the practices being described. I am requesting a clear written explanation of : 1. Under what circumstances Apple Card/Goldman Sachs authorizes transactions above the credit limit, 2. Whether recurring or merchant-specific transactions are treated differently, 3. Why this specific transaction was approved despite insufficient available credit, 4. Why customer service representatives provided contradictory explanations, 5. Why I was not provided the policy or disclosure I requested regarding over-limit transaction approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding an unauthorized APPLE CARD / GS BANK USA account appearing on my consumer credit report. Account : APPLE CARD / GS BANK USA Account Number Ending : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Address Reported : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX I have never opened, applied for, authorized, used, or benefited from this account. The information associated with this account is not mine. I dispute all associated application information, addresses, phone numbers, signatures, devices, and identity verification records connected to this account. My only legal name is : XXXX XXXX I have also discovered inaccurate aliases and identity information appearing in my consumer file, suggesting possible mixed-file contamination or identity theft. I request : 1. Immediate reinvestigation of this account ; 2. Copies of all application and verification records associated with this account ; 3. Investigation into possible identity theft or mixed consumer file reporting. This inaccurate account has caused significant harm to my consumer credit profile and identity integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

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 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I owe XXXX {$980.00} after I moved which I didnt realize I needed to pay so far I have paid {$680.00}. I just paid a {$400.00} payment so in XXXX I will pay the balance that should be good enough because I spoke to XXXX and told them I could not pay the whole balance and they said it was fine to pay in payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: PA

Complaint narrative:
GTL aka Global Telmate aka XXXX aka XXXX XXXX are still at it. Everything you alleged in your lawsuit & more. The many different company names and services, the many different accounts & kinds of accounts, the faulty websites where you can't update your phone number or even access an account. Refunds? Hahaha. There is no way to get thru to customer service. It is literally circular voice mail messages. Emails go unanswered. I did manage to request a refund at one point ( different entity name or system ) but they said XXXX weeks! I will try to compile details of this, but for starters, this website : XXXX XXXX XXXX XXXX XXXXt does not have instructions for refunds -- or even a contact method. The " HELP '' link takes you to something called XXXX ( XXXX XXXX XXXX ) which requires a separate login which I could not get past. Calling XXXX ( XXXX ) is 100 % automated with no option for refund or even discussing the balance, tho their website says to call that number for customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I keep having issues with XXXX they will let company put things on my report when I asked them to email me on any new information like collections or anything that is not related to me several inquiries and two accounts that has been submitted to bring my credit score down I need your help again please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Comenity Bank regarding my XXXX Credit Card account because I believe the account has been subjected to excessive interest charges, penalty fees, and inaccurate reporting practices since approximately XX/XX/year>. The account continues to report negatively despite my efforts to maintain and address the account. My current credit reports reflect the XXXX account with a balance of approximately {$1500.00} on a {$1900.00} limit with ongoing derogatory reporting. I dispute the fairness and accuracy of the accumulated interest, fees, and reporting history associated with this account. I believe Comenity Bank may have violated provisions of : The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) The Fair Credit Billing Act ( 15 U.S.C. 1666 ) The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Regulation Z ( 12 CFR 1026 ) The Consumer Financial Protection Act prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ) Specifically : Excessive Interest and Fees Since XX/XX/year>, the account balance appears to have been substantially increased by accumulated interest charges and fees that XXXX not have been clearly disclosed or reasonably applied. I am requesting a complete transactional accounting from XX/XX/year> to present, including : all interest calculations, APR changes, late fees, penalty fees, over-limit fees, and payment allocations. Inaccurate or Harmful Credit Reporting The account is being reported as delinquent and negatively affecting my credit profile despite ongoing efforts to address the account. Continued derogatory reporting without proper investigation may violate the FCRA requirement to report complete and accurate information. Failure to Conduct Reasonable Investigation If disputes were previously submitted, I do not believe Comenity Bank conducted a reasonable investigation before continuing to report derogatory information to the credit bureaus. Financial Harm The excessive fees, interest accumulation, and derogatory reporting have negatively impacted my ability to obtain affordable credit and have caused ongoing financial hardship. I am requesting : a detailed accounting of the account from XX/XX/year> forward, removal or reduction of excessive fees and interest, correction or deletion of inaccurate derogatory reporting, and confirmation that the account has been properly investigated under federal law. Thank you inadvance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I am filing this formal complaint against Hillcrest Davidson & Associates, LLC ( Reference Number : XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e, by attempting to collect a fraudulent, unearned " phantom balance '' of {$830.00} on behalf of XXXX XXXX ( Account : XXXX ). This database file stems from an expired XXXX XXXX XXXX builder pre-wire subsidy agreement from XX/XX/XXXX in the XXXX at XXXX XXXX XXXX XXXX legally terminated in XX/XX/XXXX. XXXX XXXX corporate warranty records explicitly confirm that the original provider, XXXX, was subsequently acquired by XXXX, and that my property has been completely out of contract and warranty for a decade. No subsequent contract or renewal agreement was ever authorized by me. Any claim that a long-term active contract existed after XXXX is fraudulent, and any attempt to collect on an un-renewed, month-to-month account where automatic bank drafts stopped in XX/XX/XXXX is entirely time-barred under the strict XXXX statute of limitations established by XXXX. XXXX. XXXX. & XXXX. Code XXXX. Furthermore, on XXXX XXXX, 2021, I paid a true final account buyout balance of {$260.00} over the phone via XXXX credit card ( processed under their corporate merchant name XXXX XXXX ) to permanently close this resurrected file and was formally issued a Contract Cancellation and Non-Renewal Confirmation Number : XXXX. Despite this legally binding settlement, XXXX 's broken database generated an arbitrary balance of {$830.00} on that very same day ( XX/XX/XXXX ) and harassed me with ghost invoices until XXXX before dumping this toxic file onto Hillcrest Davidson. I have been under active, continuous home security monitoring with an entirely different providerXXXX XXXX XXXX XXXX XXXX, 2021. XXXX XXXX XXXX provided absolutely zero equipment, monitoring signals, or utility to my home during the alleged debt timeline. I have sent a formal statutory debt validation letter via Certified Mail ( Return Receipt Requested ) to Hillcrest Davidson. I demand that this fraudulent file be closed permanently with a {$0.00} balance and blocked from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: AR

Complaint narrative:
I am disputing a collection account that is inaccurate and should not be on my credit report. I rented from XXXX Properties in XXXX. When my lease ended, I moved out on the XXXX of the month. I had an agreement with the landlord that the rent for the extra days would be prorated and deducted from my security deposit. He stated he would mail the remaining balance of my deposit to my forwarding address. I never received the refund. When I returned to the office, the business had permanently closed and the phone numbers were disconnected. I had no way to contact the landlord or resolve anything. I was never notified of any balance owed, never received an itemized statement, and never received any communication from the landlord. Now a collection agency is reporting a debt I have no knowledge of. I am requesting that the furnisher provide full documentation proving the validity of this debt, including the original lease, moveout accounting, itemized deductions, and proof that I was properly notified. If they can not provide this, the account must be deleted under FCRA 611 for failure to verify. This collection is inaccurate, unverified, and the original landlord is no longer in business. I am requesting CFPB assistance to have this account removed from my credit report.

Company response to consumer: Closed with non-monetary relief