vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am formally demanding that AAFES reopen and conduct a full fraud investigation into the Military Star and accounts being attributed to me. Your continued refusal to do so, despite substantial evidence of identity theft, constitutes procedural error and violates federal consumer protection law. I did not open these accounts. I did not authorize their creation. At the time the accounts were opened ( XXXX XXXX  ), I had just XXXX  XXXX XXXX  had no affiliation with the U.S. military, and lacked legal capacity or eligibility to independently obtain Exchange credit. These accounts were fraudulently opened using my personal information without my knowledge or consent. You have asserted liability based on a claimed signature match and the presence of authorized users. This position is legally insufficient. Under federal law, fraudulent accounts remain invalid regardless of alleged signature similarity, especially where identity theft, or forgery by a parent or third party is alleged. Your position violates, but is not limited to, the following laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Furnishers must conduct a reasonable reinvestigation of disputed information and may not continue collecting unverifiable or inaccurate debt. 15 U.S.C. 1681s-2 ( b ) Requires reinvestigation upon notice of dispute ; refusal to reopen after new evidence constitutes non-compliance. Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ) Prohibits false representation of legal obligation and unfair collection practices. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Establishes that debts resulting from identity theft are void and unenforceable against the victim. DoD Financial Management Regulation ( DoD 7000.14-R ) Requires accuracy, fairness, and lawful debt determination for government collections. Further, asserting that I would list my mothers boyfriend as an authorized user on an account I allegedly opened for myself is illogical and inconsistent with normal consumer behavior. This contradiction alone warrants reopening and escalation of the investigation. Your prior assertion that this is a civil matter does not negate your legal obligation to correct fraudulently attributed debt. FORMAL DEMAND I hereby demand that AAFES : 1. Immediately reopen and conduct a full fraud reinvestigation 2. Cease all collection activity pending investigation 3. Recall the account from XXXX XXXX XXXX XXXX 4. Remove all credit reporting related to these accounts 5. Refund any funds or tax offsets wrongfully collected 6. Provide written confirmation of the investigation outcome

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 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
Requested my two remaining outstanding debts be paid off and refund excess balance. Was told this would take 60 days. This is UNACCEPTABLE and should not take so long to complete my request. It's been at least 3 weeks since I first requested this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: AK

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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Debt Validation Request and Dispute Account : Fair Collections & Outsourcing ( Original Creditor : XXXX XXXX ) To Whom It May Concern, This letter serves as a formal dispute and request for validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act. 

I dispute the validity and accuracy of this alleged debt. Please provide the following : A copy of the original signed agreement bearing my signature A complete itemized billing statement showing how the balance was calculated Proof that your agency has legal authority to collect on this account Verification that the information being reported complies with Metro 2 standards Until proper validation is provided, you must cease all collection activity and credit reporting. If you are unable to validate this debt as required by law, you must request deletion of this account from XXXX. 

This request is not a refusal to pay, nor an acknowledgment of liability. 

I expect your response within the timeframe required by law. 

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following collection account listed on my TransUnion credit report : Collection Agency : S & S Recovery Original Creditor : XXXX XXXX XXXX XXXX ( XXXX  XXXX ) Account Type : Collection Reported Balance : {$340.00} I do not recognize this collection account and dispute responsibility for it. I have no knowledge of this collection and request full verification of the alleged debt, including but not limited to : - Proof that I am legally obligated for this debt - Documentation showing the original agreement or contract - An itemized statement of the amount claimed - Proof that the collection agency has the authority to collect on this account Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to investigate this dispute and remove the account if it can not be fully verified. 

Please provide written confirmation of the results of your investigation. If you are unable to verify this account, I request that it be promptly deleted from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing inaccurate and/or unverifiable credit information being reported in violation of the Fair Credit Reporting Act ( FCRA ) 611 and XXXX XXXX reporting guidelines. After reviewing my credit report, I identified discrepancies in the account information, including incorrect account status, payment history, and/or balance details. 
I previously disputed these inaccuracies ; however, the disputed information continues to be reported without correction and without evidence that a reasonable investigation was conducted as required by law. The continued reporting of inaccurate or unverified data reflects a failure to comply with FCRA 611 requirements and XXXX XXXX accuracy standards. 
As a result, inaccurate information remains on my credit file, causing potential harm to my credit profile.

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 2026-01-27 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. 



On or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. 



Despite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. 



I am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. 



Thank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of Americas handling of a billing dispute on my business credit card account. 

On XX/XX/year>, I used my Bank of America XXXX credit card to pay {$14000.00} to XXXX XXXX XXXX for the purchase of a vehicle. I did not sign final delivery paperwork, and I clearly informed the dealer that I would complete signing upon delivery of the vehicle. The vehicle was never delivered, and I never took possession of it. 

The dealer has provided written confirmation that : I never took possession of the vehicle. 
The transaction was considered null and void. 
The funds were not released to the dealership and remain with the merchant processor. 

After waiting several weeks for resolution, I requested a refund. The dealer advised me to file a dispute with my credit card issuer because the funds were being held by their merchant processor. 

I filed a dispute with Bank of America. The bank initially categorized the matter as fraud and denied it because the transaction was completed with a chip. I was then instructed to file a billing dispute. The billing department temporarily accepted the dispute but later transferred it back to the fraud department, which denied it again solely because it was a physical transaction. 

This matter is not fraud. It is a billing dispute for goods not received under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I never received the vehicle, and the merchant confirms this in writing. 

Despite this : Bank of America has refused to permanently credit the {$14000.00} charge. 
Interest continues to accrue on the disputed amount. 
Automatic payments have been deducted from my linked Bank of America account. 
My account balance has fluctuated due to internal reclassification between fraud and billing departments, causing confusion and financial harm. 

I respectfully request : 1. Immediate permanent removal of the {$14000.00} charge.

2. Refund of all interest and fees associated with this charge.

3. Refund of any automatic withdrawals related to this disputed amount.

4. Correction of any negative credit reporting associated with this matter.

5. Written confirmation that this billing error has been resolved in accordance with the Fair Credit Billing Act. 

I have attached documentation from the dealership confirming non-delivery of the vehicle and the status of the transaction. 

I appreciate your prompt attention to this matter and request a thorough review of the banks handling of this dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: GA

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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: AR

Complaint narrative:
On XX/XX/year>, an unauthorized {$100.00} transaction was initiated through Klarna for a XXXX XXXX XXXX  via XXXX.. I have never used XXXX, and my Klarna purchase history shows only two legitimate XXXX purchases over the past two years. During this same period, both my personal and business bank accounts were impacted, indicating an accountlevel breach affecting multiple financial instruments simultaneously.

While disputing the first unauthorized charge with my bank, a second {$100.00} charge appeared. For approximately two days, both charges were pending at the same time, temporarily removing {$200.00} in available funds from my business checking account. The second charge later disappeared after the pending phase without any explanation or documentation from Klarna or XXXX XXXX. 

I reported the unauthorized activity to Klarna on XX/XX/year>. Klarna paused the payment and stated that an investigation would occur. However, on XX/XX/year>, Klarna declined the dispute without providing investigative findings, merchant verification, fraudanalysis documentation, or any explanation for the second charge or its reversal. This denial occurred before Klarnas stated investigation timeframe of up to three weeks.

Klarnas actions resulted in unauthorized transactions being processed or attempted, temporary loss of access to funds, and a dispute being closed prematurely without evidence of a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: EQUIFAX, INC.
State: AK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Zap Solutions, Inc.
State: CA

Complaint narrative:
I believe I am a victim of an online cryptocurrency investment scam. 

I was contacted by a woman on the XXXX app who asked to become friends. She later moved our conversation to XXXX. After building an emotional relationship, she encouraged me to invest in cryptocurrency, claiming guaranteed profits. 

She guided me to use a platform/app called XXXX XXXX ( or website : [ insert URL if available ] ). Over time, I invested multiple amounts : USD XXXX, XXXX, XXXX, and XXXX, totaling USD XXXX. Some of this money was borrowed from friends and relatives. 

When I attempted to withdraw my funds, the account was frozen. The platform now demands an additional security deposit to refreeze or unlock my account. I believe this is a scam and I have stopped sending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting a complaint regarding the assessment of retroactive interest on a promotional financing account with Synchrony Bank. 

I used Synchrony promotional financing ( 0 % if paid in full within XXXX XXXX  ) to purchase a mattress from Mattress Firm. The original mattress was defective and replaced under warranty. The replacement mattress later developed the same defects. 

Due to these repeated warranty issues, I returned to Mattress Firm and was advised to switch to a different mattress ( XXXX ). At the time of this purchase, I was under the clear impression that this was a new transaction with a new two-year promotional financing period. I was not informed that the additional cost would be added to the original financing agreement without restarting the promotional period. 

Synchrony Bank has since confirmed to me that this transaction was processed in an abnormal manner, with the price difference added to the original account and the original promotional period continuing. 

I made all required payments on time using automatic payment. During Synchronys website transition, I experienced prolonged inability to access my account, as my login credentials stopped working and I was repeatedly prompted to create a new profile. This prevented me from monitoring promotional terms or identifying the approaching expiration. 

The promotional period expired approximately XXXX XXXX ago, and nearly {$4000.00} in retroactive interest was applied. Synchrony advised that there is a XXXX grace period for interest reversal, but I was informed I am XXXX days beyond that window. 

I escalated this matter multiple times by phone with Synchrony, including to supervisory-level representatives. I remained current on payments and offered to pay the balance in full immediately if the retroactive interest were removed. This request was denied despite the acknowledged abnormal transaction and account access issues. 

At Synchronys direction, I attempted to contact Mattress Firm for written confirmation regarding the miscommunication of financing terms. However, standard retailer contact channels were unavailable, including a bounced customer service email. As a result, I escalated the matter directly to Mattress Firms executive customer care leadership for assistance. 

I am requesting executive-level review and a fair resolution. Specifically, I am requesting that Synchrony : Remove the retroactive interest and allow payoff of the principal balance, or Retroactively extend or re-age the promotional financing period. 

I believe the interest assessment is unfair given the warranty-driven nature of the transaction, lack of clear disclosure, account access failures, and my consistent good-faith payment history.

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 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: PA

Complaint narrative:
I have tried to appeal the decision to close my account 3 times. I have emails dated from XX/XX/year> to XX/XX/year>. They state that I violated the terms of service, including payment activity related to gambling, along with other potential violations, and as a result, my Cash App account would remain deactivated. I explained that I have never engaged in any illegal activity and asked for proof, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I have been a member of XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, having opened the pre approved card, with XXXX XXXX, XXXX. # XXXX I have been paying the annual membership and outstanding balances always in time. My credit score is high. Still, since XXXX, I am not able to gain entry to XXXX XXXX lounges at international airports. 
Just recently, on my way to XXXX, my XXXX XXXX card was rejected at several lounges, which honored my card prior to XXXX. The managers of the lounges were also surprised, as they remembered me from my previous trips. In addition, XXXX XXXX is not longer allowing me to login with login ID + PW combination, sending a code to email, as all of my XXXX XXXX, credit, debit cards, investment accounts do. They request to send code to my local XXXX phone number or call them and spend XXXX minutes waiting for an operator and answer XXXX personal and security questions. The card is only used by me overseas, so they shouldnt request the use of my local XXXX phone number. In addition, while XXXX XXXX increased my spending limit to {$40000.00}, XXXX XXXX still provides the {$5000.00} credit limit offered in 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