vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I am the XXXX of XXXX XXXX XXXX XXXX. This complaint concerns a breach of a written fee-waiver agreement by First Citizens Bank XXXX account numbers ending in XXXX and XXXX. In XXXX, XXXX XXXX ( Vice President and Business Banking XXXX ) provided clear written confirmation that " waivers have been extended through the end of XXXX. '' Despite this, First Citizens Bank assessed {$3300.00} in fees against my accounts in XX/XX/XXXX. These fees relate to activity that occurred exclusively in XXXX XXXX falls within the promised waiver period. The bank is attempting to charge for XXXX activity simply because the billing cycle settled in XXXX. This is a deceptive practice and a breach of our written agreement. Furthermore, no XXXX advance notice of a new fee schedule was provided, violating XXXX XXXX and CFPB " Junk Fee '' guidelines. I filed a formal dispute with the bank 's XXXX XXXX XXXX on XX/XX/XXXX, and sent a formal notice to XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX. Both communications have been ignored. Desired Resolution : Immediate reversal and refund of the {$3300.00} in fees as well as any future fees that may be charged during the fee waiver period/prior to receiving updated fee structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I was provided a specific financing link by XXXX XXXX ( XXXX, XXXX ) for XXXX equipment financing at XXXX XXXX XXXX, explicitly represented as a " pre-qualification '' process with no hard credit inquiry. Instead, accessing this merchant-specific link triggered an immediate hard credit pull without clear disclosure, violating consumer expectations for pre-qualification and creating an unauthorized inquiry on my credit report. This was deceptive marketing by both the merchant and Synchrony Financial.

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 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. The account listed as UPSTARTXXXX with a balance of {$2900.00}, opened XX/XX/XXXX, is being reported with late payment information that I do not believe is accurate. Under the Fair Credit Reporting Act, I am requesting that this account be investigated and verified. If the creditor can not provide proper documentation verifying the accuracy of this account, I request that it be removed from my credit report immediately. Please provide verification including : The original signed agreement Complete payment history XXXX this account belongs to me If this information can not be verified, please delete the account from my credit file. Thank you for your prompt investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Date of Call : XX/XX/year> Time of Call : XXXX PM XXXX Phone Number : XXXX Agent Name : Unknown I am filing a complaint regarding misleading and abusive conduct by a debt collector. On XX/XX/year> at approximately XXXX XXXX XXXX, I received a phone call from the number XXXX. The caller stated that the matter was really important and a life matter. At that point, the caller had not disclosed that the call was related to debt collection. The caller asked me to confirm my identity. After I confirmed that I was the person they were asking for, the representative then stated that the call was regarding debt collection. Because the caller had described the matter as a life matter, and because I am currently in XXXX and undergoing XXXX XXXX, I asked whether this was actually a life-or-death matter. The representative responded rudely and said yes, which I believe was misleading. Immediately afterward, the representative asked if I was willing to pay the alleged debt. I asked how a debt collection matter could be described as a life matter. Instead of answering my question, the representative abruptly stated that this would be recorded as a refusal of payment. I clearly stated that I was not refusing payment and that I was not making any declaration at that moment. Despite this clarification, the representative again claimed it was a refusal and told me that I dont understand reality and dream. I consider this behavior misleading, disrespectful, and abusive. Misrepresenting the urgency of the call and mischaracterizing my statements appears inconsistent with the Fair Debt Collection Practices Act, which prohibits deceptive or misleading debt collection practices. I respectfully request that this conduct be investigated and that the company be required to comply with lawful debt collection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX, my mortgage payment with PennyMac was reported as 30 days late. My mortgage payments had been set up on automatic payment for years with a perfect payment history. Around that time, my bank account was changed, which caused the automatic payment to fail without my immediate awareness. As soon as I realized the issue, the payment was corrected and the account was brought current. Since the account opened in XX/XX/XXXX, I have maintained nearly XXXX years of consistent, on-time payments, and this is the only late payment on the account. My payment history reflects approximately 99 % on-time payments. I contacted PennyMac and requested that they review the situation and consider removing the single late payment as a goodwill adjustment due to the autopay failure and my otherwise exceptional payment history. PennyMac declined my request and stated they do not provide goodwill adjustments. This single late payment is significantly impacting my credit profile and is preventing me from qualifying for a new home loan, despite my long history of responsible payments. I am requesting that PennyMac review this matter again and consider removing the XX/XX/XXXX late payment given the circumstances and my strong payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I recently discovered that an account with XXXX XXXX XXXX was opened using my personal information without my knowledge or authorization. I want to formally dispute a collection on my account! I am a victim of identity theft and did not open, authorize, or benefit from any services related to this account. I have never requested service at the address connected with this account and did not provide consent for anyone to open utility services using my identity. Under the Fair Credit Reporting Act, I am requesting the following : An immediate investigation into this fraudulent account. Written verification of any documentation used to open this account. Immediate removal of this account from any credit reporting agencies if it can not be validated as legitimately opened by me. Closure of the fraudulent account associated with my identity. Please provide copies of any application, service agreement, identification, or documentation used to establish this account so I may review the information that was fraudulently used. If necessary, I am prepared to provide additional documentation including a government-issued identification, social security & proof of address I request that this matter be resolved promptly and that the fraudulent account be removed from my records and any associated credit reporting agencies. Thank you for your immediate attention to this matter.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, Under my rights granted by Section 609 of the Fair Credit Reporting Act, I am requesting verification of the following accounts on my credit report. Please provide copies of the original signed agreements, full account statements, and documentation proving these accounts belong to me. Accounts in question : National Credit Adjusters CashCentral

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I previously owed a balance on an older account with Alliant Credit Union. On XX/XX/year>, I paid {$89.00} to resolve that balance in full. I have a payment confirmation showing the transaction was processed and accepted by Alliant Credit Union. After paying the prior balance, I opened a new account and was assured by the credit union that everything had been resolved and that my new account would function normally. However, since opening the new account I have not been issued an ATM or debit card and I have been unable to access my funds in a normal manner. I have attempted to contact Alliant Credit Union multiple times to resolve this issue. Each time I call, I am told that the department responsible for resolving the issue is unavailable, on break, or unable to assist me. As a result, I have been unable to obtain assistance or access to my funds. Because of this lack of communication and inability to access my funds, I requested that the account be closed and that a paper check be issued for the remaining balance. At this time, I have not received confirmation that the account has been closed or that the remaining balance has been sent to me. I am requesting assistance to ensure that Alliant Credit Union closes the account promptly, issues the remaining balance, and provides an explanation for the delay in access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation. Please provide the following information : 1. The name and address of the original creditor. 2. The name and address of the current creditor to whom the debt is owed. 3. The amount of the alleged debt, including an itemization of any interest, fees, or charges added. 4. Copies of any documents bearing my signature showing that I agreed to assume this debt. 5. Documentation showing that you have the legal authority to collect on this debt in my state. 6. A complete payment history for this account, including the date of default. Until you provide the requested validation, you must cease collection activities and refrain from reporting this debt to any credit reporting agency as required under the FDCPA. If this debt has already been reported to any credit reporting agencies, please note that reporting unverified or inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Please respond to this request within the timeframe required by law. If you can not provide the requested validation, you must cease collection efforts and notify any credit reporting agencies to which you have reported this debt to delete the account. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
urgent : Incorrect debt XXXX XXXX never provided Description : In XX/XX/XXXX, I agreed to a promotional XXXX internet service. The sales representative promised delivery, but the equipment was never received. Between XXXX XXXX XXXX, I contacted the representative multiple times. She confirmed that XXXX delivered the equipment to the wrong address and instructed me to cancel the order. I called XXXX on XX/XX/XXXX, and they confirmed that my address does not have service available. XXXX assured me that my account was canceled and that I would not be charged. Despite this, I recently received a debt collection notice from IC System , Inc. for account XXXX. I do not owe this debt. The service was never provided, XXXX acknowledged the cancellation, and the debt is the result of company error, not my action. Actions taken : Retained all messages with the sales representative confirming the cancellation and wrong delivery. Contacted XXXX customer service in XX/XX/XXXX to confirm no service was available and my account was canceled. Contacted IC System , Inc., who refused to remove the debt without me paying part of it first, despite it being invalid. Today, XX/XX/XXXX, I received the message about the debt in collections, so today I contacted both companies and neither gives me solutions. Request : Immediate removal of this debt from my records and confirmation that it will not affect my credit report. This is an error caused entirely by XXXX and should not be considered a valid debt.

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX - Opened XX/XX/year> with a balance of {$3500.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX @ XXXX am i received I text alert stating [ Cash App ] Unusual activity was detected and your account is temporarily locked.Sending and spending are turned off.Log in now to verify your information and restore full features. ( XXXX XXXX XXXX XXXX ). With the link attached above! Once I opened the link, I received a NEW DEVICE LOGIN near XXXX, United States, my cashapp was compromised and unauthorized transactions were made on my account. On XX/XX/XXXX XXXX am XXXX XXXX XXXX an unauthorized Transaction {$600.00} was stolen from my CASHAPP Account and sent to someone by the name of XXXX XXXX. I called CASHAPP customer service notified them of unauthorized transactions and started an investigation with the company. I was told it would only take up to XXXX business days but I still havent heard anything back from them regarding updates on investigation and was told to not use cashapp until investigation is over. I havent been using cashapp. I am now behind on bill payments due to the traumatic event of money being stolen from my cashapp. I canceled my old card on my account aswell and I also removed all my banking and or card information from my account once it was compromised and I logged out of all devices that wasnt mines! Today on XX/XX/year> @ XXXX pm my cashapp was hacked again. I received an email for new login in device near XXXX on a XXXXXXXX XXXX XXXX device, I live in XXXX and have an XXXX XXXX, shortly after the theft borrowed money my cashapp loan simulation of the amount of {$190.00} and sent it to the account by the Name of XXXX XXXX and also an unauthorized amount of {$280.00} was sent to XXXX XXXX. I called cashapp once and let them know the XXXX transactions were NOT authorized by me and my account is being hacked again! I then opened up a SECOND investigation regarding the transactions on XX/XX/year>! The company is continuing to tell me to wait until investigation is over. I have reached out several times and all of the evidence is there that my account was compromised. I have changed my cashapp in and added extra security to prevent my account from continuing to be hacked! I was told by Cashapp that XXXX cant closed my account completely while investigation is pending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Credit Bureau Data, Inc.
State: WI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am writing this letter regarding the alleged debt associated with Portfolio Recovery Associates, Assignee of XXXX XXXX XXXX XXXX. Account # XXXX This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Requested Documentation for Validation : Proof of Ownership and Chain of Title : A complete accounting of how XXXX XXXX XXXX, XXXX obtained this alleged debt, including a Forward Flow Agreement, and Purchase and Sale Agreement between Portfolio Recovery Associates LLC and XXXX XXXX XXXX XXXX.. Itemized Account Statements : A breakdown of how the balance of {$1400.00} was calculated, including interest, fees, and any payments made. Original Creditor Agreement : A copy of the original signed agreement that created this debt, proving I agreed to these terms. Verification of Accuracy : Documents showing that all reporting agencies have verified the accuracy of this debt in compliance with 15 U.S.C. 1681e ( b ). Investigation Documentation : Evidence that an investigation under 15 U.S.C. 1681s-2 ( b ) has been conducted regarding the accuracy of this debt. Legal Right to Collect : Proof that XXXX XXXX XXXX has legal standing to collect this alleged debt. Chain of Assignment : Please provide a complete chain of assignment, including copies of all legal agreements showing the transfer of this debt from the original creditor to your agency A notarized statement from the original creditor confirming transfer.

Company response to consumer: Closed with non-monetary relief