vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
The original creditor for this account was paid in full. 

Sunrise Credit Services had possession of the account for fewer than XXXX  days prior to payment and performed minimal collection activity. 

Despite the underlying debt being fully satisfied, Sunrise Credit Services is attempting to collect an additional balance of approximately {$1200.00} consisting solely of collection fees. 

No documentation has been provided showing that these fees are contractually authorized, legally owed, or proportionate to the short placement period. 

I requested settlement options to resolve the matter, which were refused. 

I am formally disputing the balance and requesting validation of the amount claimed, including proof of assignment, itemized accounting of all fees, and documentation authorizing post-payment collection charges. 

I am concerned that Sunrise Credit Services may report this disputed balance to consumer credit bureaus despite the principal debt having already been paid. 

I am requesting that the CFPB require Sunrise Credit Services to provide proper validation or cease collection activity on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I rarely use my XXXX store card. I paid off the balance in full on XX/XX/year> for the full amount due in total of {$58.00}. I tryed several time to pay online, even after there system was glitching, I called to make an over the phone payment. 
After XXXX  months I received an email saying that I missed a payment, this was incorrect. I've called numerous time, requiring the account to be closed. 

I continue to get phone calls from XXXX harassing me for payment when none is due. This company continues to charge late fees on top of late fees. 

This is fraud, I have proof of full ontime payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXX Bank ( OppLoans ) is reporting inaccurate and misleading information regarding account # XXXX. The original high balance was {$1100.00}, yet they are reporting a current past-due balance of {$1400.00}. This inflated amount is unverified and includes unauthorized fees or interest added after the account was charged off. Furthermore, the company is 'refreshing ' the charge-off status monthly to artificially suppress my credit score, which creates a misleading representation of the account 's age and history. Under the FCRA, I demand this inaccurate and non-verifiable tradeline be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My bank has stated that the refund was declined due to an issue with the original debit card, which had been reported lost and later replaced. This explanation is not valid, as the replacement or cancellation of a debit card does not close, terminate, or affect the underlying bank account to which the funds belong. 

As of today : The refund does not appear in my bank account The refund does not appear as pending The refund does not appear as rejected or reversed No transaction trace or reference number has been provided The merchant confirms the funds are no longer in their possession This issue has been ongoing for more than 30 days. The bank has failed to either credit the funds to my account or provide documentation showing where or why the refund failed.

I am requesting that the bank : Conduct a full investigation and refund trace.

Provide written documentation showing where the refund was rejected or failed.

Manually credit the refund amount to my originating bank account. 

Provide a reference or trace number for the failed refund transaction. 

I believe this constitutes improper withholding of consumer funds and a failure to properly process an electronic refund. 

I respectfully request CFPB assistance to require the bank to resolve this matter promptly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This complaint concerns unlawful credit reporting and collection practices by National Credit Adjusters involving the same alleged debt being reported inconsistently and without required notice. 
The account is reported as follows : NATIONAL CREDIT ADJUST Account No. : XXXX Status : Charge-off Balance : {$910.00} NCA Account No. : XXXX Status : Collection Balance : {$910.00} A collection account can not also be a charge-off, and a third-party debt collector does not charge off consumer accounts. Reporting the same debt simultaneously as a charge-off and a collection is a material misclassification and a violation of FCRA 1681e ( b ) ( maximum possible accuracy ) and XXXX XXXX XXXX standards, which require accurate account type, status, and role of the furnisher. This inaccurate reporting alone constitutes an FCRA violation. 
Separately and independently, I never received any written notice of this debt before it was placed on my credit report, in violation of FDCPA 1692g ( a ). Failure to provide the required written notice within five ( 5 ) days of initial communication carries statutory damages of up to {$1000.00}, regardless of the alleged balance. After discovering the account via my credit report, I submitted a timely written request for validation, and more than 60 days have passed with no validation provided. Despite this, the account continues to be reported, which is unlawful. Credit reporting is collection activity, and under FDCPA 1692g ( b ), all collection activity must cease until validation is provided. 
Because National Credit Adjusters has continued to furnish inaccurate and unverified information after dispute, its conduct also violates FCRA 1681s-2 ( b ) ( failure to conduct a reasonable investigation ) and XXXX XXXX XXXX which prohibit continued reporting without competent documentary evidence. I have conducted due diligence on this company and have already filed complaints with the FTC and State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was notified that it was money in my account from XXXX in my account. The bank did not notify me the bank told me On XX/XX/XXXX then I was told that TD wanted to end relationship with me so I filled out a XXXX XXXX and when it was time to release my funds they asked me for proof and I sent it by the email from a XXXX conversation we had but they asked for a certificate letter that is notarized from the person on the check because they can not reach them. I already explained i can not reach them they said until they can it will just be in the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: TX

Complaint narrative:
On XXXX XXXX XXXX I initiated a {$1500.00} payment in error to one of my four credit card accounts that had a {$0.00} balance. When I realized that, I immediately cancelled the payment and initiated the payment to the correct account. The next day, BofA processed both payments which deducted {$3000.00} from my bank account instead of {$1500.00}. When I called BofA to notify them of their mistake, they apologized and stated that it would take two billing cycles to refund my money. When I called back to tell them that is not acceptable, they then stated there was another way they could refund the money and that would only take 10 business days. When I called back a third time I was told that there was a quicker way to escalate the refund and it would only take 3 business days. BofA then proceeded to mail a check for {$1500.00} and allegedly generate an XXXX refund to the funding account on XXXXXXXX  ( 11 days after the iniital error ). This caused the previously {$0.00} balance account to now have a {$1500.00} balance which is {$1300.00} over my credit limit. When I called back again on XXXX to notify them of this error, they then stated they would initiate a stop payment on the check ( which I have never received ) and credit the {$1500.00} to my account. I called back again on XXXX I spoke with the floor supervisor XXXX XXXX XXXX XXXX. He stated that they are unable to credit my account until the stop payment is processed in 10 days. He also stated that the XXXX credit would take up to 30 days to be credited to the funding account. I explained to him that their error and lack of urgency to correct the error is causing me hardship because I do not have access to my {$1500.00} to utilize for my household. I advised that with them being a bank, they should be able to accomodate me better than what they are doing to make things right being that it was BofA 's error, not mine. XXXX had no other offers of assistance for me and basically told me that I just have to wait to get my money back. To date, at XXXX XXXX XXXX XXXX, the balance on my account has not been corrected to {$0.00} nor have I received my {$1500.00} refund. If the credit bureau runs, it will show the account with a {$1500.00} balance {$1300.00} over my credit limit and will likely decrease my credit score. I am requesting assistance with getting my {$1500.00} back plus anything else I am entitled to and making sure that my balance is correctly reflected at {$0.00}.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A check that what I thought was from financial aid for school was deposited into my bank account. And was found to be fraud and Bank of America automatically closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Concord Servicing Corporation
State: WA

Complaint narrative:
I am disputing an invalid and improperly reported debt related to XXXX XXXX XXXXXXXX XXXX XXXX, now being collected and reported by Concord Servicing. 

In XXXX, I purchased a travel membership that was sold to me based on deceptive and misleading representations. I was told the membership provided exclusive travel pricing but later discovered that the pricing was simply pulled from publicly available sources such as XXXXXXXX XXXX I found this out after I fell into financial hardship. 

Once I realized I could not afford the membership, I requested cancellation of the contract. I did not request a refund, only termination of future obligations. This request was refused. 

I revoked authorization for all future payments by removing my payment method. Despite this, the company continued to charge me. 

I disputed both the original charge, and the recurring membership charges with my bank. After investigation, my bank blocked all charges that could be made from XXXX XXXX XXXX XXXXXXXX, and reversed the unauthorized charge, confirming to me that the charges were unauthorized. 

Despite this, Concord Servicing reported the account as delinquent on my XXXX credit report on XX/XX/XXXXXXXX XXXX XXXX I was never provided with any prior written notice that this account would be sent to collections or reported as delinquent. 

This debt is the result of misrepresentation, unauthorized charges, and improper credit reporting. I am requesting that this account be investigated, collection activity be ceased, and all inaccurate credit reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Hello, My name is XXXX XXXX, and I am submitting this complaint regarding Jefferson Capital Systems , LLC for attempting to collect and/or report an alleged XXXX  account under my name that I do not recognize and was never properly validated. 

I am not aware of any valid XXXX account associated with this alleged debt, and I have not been provided any documentation showing that I opened, authorized, or became legally responsible for this account. I have never entered into any agreement with XXXX XXXX, and I dispute their right to collect and/or report this alleged XXXX account under my name. 

XXXX XXXX has failed to provide proper validation, including any signed agreement, service contract, account application, billing statements, or documentation proving that this debt belongs to me. I have also not received documentation showing that XXXX XXXX has lawful authority to collect, including a complete chain of title and assignment of the alleged account from XXXX ( or the original creditor ) to XXXX XXXX. 

Because this debt is unknown to me and has not been validated, XXXX XXXX continued collection activity and credit reporting appears inaccurate and harmful. This matter is negatively affecting my credit profile and financial standing. 

I am requesting the CFPBs assistance to investigate this matter and require XXXX XXXX to take corrective action immediately. 

Requested resolution : Immediate cessation of all collection activity related to the alleged XXXX account until proper verification is provided. 

Full debt validation, including : Account opening documentation and service agreement Dates of service Billing statements showing charges The amount allegedly owed and an itemized breakdown ( fees/interest ) Proof I authorized the account Proof of XXXX XXXX legal authority to collect, including a complete chain of title/assignment documents. 

Immediate deletion/removal of any credit reporting related to this alleged XXXX account if XXXX XXXX can not provide proper validation showing I am legally responsible. 

Written confirmation that the account has been closed and will no longer be pursued or reported if they can not validate it. 

Company : Jefferson Capital Systems , LLC Issue Type : Debt not recognized / inaccurate credit reporting / failure to validate debt Original Creditor : XXXX ( as reported ) Thank you for your assistance. Please confirm receipt of this complaint and provide updates regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
To : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Final Notice of Violation, Failure of Proper Notice, and Intent to Pursue Legal Action XXXX Account Number : XXXX Client Account Number : XXXX Balance Disputed : {$1000.00} I am submitting this dispute again to provide new supporting documentation that was not included with my initial dispute. The attached Move-Out Inspection TownCenter.pdf confirms that the unit was inspected at move-out and that no damages, deficiencies, or notes were documented Specifically, the inspection section for Floor / Coverings clearly states Condition : Good, and the Notes field is blank, indicating that no damage, repair, or replacement was identified by the inspector. This same inspection document shows no adverse notes or damage findings for walls, fixtures, appliances, or other areas of the unit. The absence of any notes or damage comments confirms that the charges being reported are unsupported and inaccurate. 
Since my prior submission, I have obtained and attached a move-out inspection report with photographs, dated at the time I vacated the unit. This documentation clearly shows that the apartment, including flooring, walls, fixtures, and appliances, was left in good and acceptable condition, with no documented damage or conditions that would justify the charges being claimed. 
Based on this newly submitted evidence : 1.

I did not cause damage to the unit 2. 
I did not authorize or incur the charges being reported 3.

The collection account is inaccurate and unsupported by evidence I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv funding closed my account because identity theft was proven. But still has not removed collection account off my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
First Source Advantage XX/XX/year> {$1900.00} Sent letter requesting validation No reply ; account printout received Sent dispute request to XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX is attempting to collect {$1600.00} for a XXXX account where the equipment was returned. Since XXXX merged with XXXX, the records are incomplete. They have failed to provide an itemized list of charges or proof of unreturned equipment. I request immediate deletion due to lack of documentation. 
{$1600.00} Open balance JEFFERSON CAPITAL SYSTEMS LLC Original creditor SNAPSHOT Opened XX/XX/year> ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name JEFFERSON CAPITAL

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
am disputing the accuracy, ownership, and legal validity of this alleged debt. The debt collector is reporting this account to consumer reporting agencies without providing sufficient information to substantiate that the debt is accurate, owed by me, or legally collectible. 

I previously disputed this account through the credit reporting agencies, yet the account continues to be reported without proper verification. The debt collector has failed to provide documentation identifying the original creditor, a complete and verifiable chain of title demonstrating ownership of the debt, the contractual basis for the obligation, or an itemized breakdown explaining how the balance was calculated. 

Without this information, I am unable to confirm that this debt is mine or that the amount being reported is accurate. Continuing to furnish unverified or incomplete information to consumer reporting agencies may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

I am requesting that the debt collector either provide full and proper validation of this account or immediately cease reporting and remove this account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Re : Request for Validation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and request validation of information currently being reported in my consumer file by XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverified information. After reviewing my XXXX  consumer report, I found account ( s ) being reported that I do not recognize, or that are being reported inaccurately. 

At this time, I am requesting that you provide full verification of the following : The name and address of the reporting financial institution The original account application or signature associated with the account The date the account was opened and closed Proof that I legally agreed to the account and any alleged balance Documentation showing the account is being reported accurately and lawfully If you are unable to provide complete and verifiable documentation, I demand that the account ( s ) be removed immediately from my XXXX  file in accordance with federal law. 

Please be advised that failure to properly investigate and correct or delete unverifiable information may constitute noncompliance with the Fair Credit Reporting Act. 

I expect your written response within the required 30 days from receipt of this letter. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs ( Apple ) XX/XX/year> {$9300.00} Sent XXXX letters requesting validation No reply ; account printout received Sent dispute request to XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief