vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Timothy M. Sullivan
State: CA

Complaint narrative:
I am disputing a portion of an XXXX loan debt currently being collected by XXXX XXXX XXXX on behalf of the U.S. Treasury. My original loan balance was approximately {$210000.00}. As of XX/XX/XXXX, the balance increased to {$240000.00}, which appears to include accrued interest. However, an additional {$63000.00} in collection costs was later added, which I was verbally told represents a 30.32 % collection fee. I did not receive any written notice, nor did I receive any notification through an online portal, informing me that this collection fee would be assessed. I also do not have access to any online portal for XXXX XXXX XXXX, which has prevented me from reviewing account details, notices, or any documentation related to the collection costs. This lack of access further limits my ability to verify the accuracy of the debt. I have been making payments toward this loan ; however, as of last month, I attempted to make a payment through the XXXX phone payment system and was unable to complete the payment. This has made it difficult for me to continue making payments while the account is in dispute and without clear information regarding the amounts owed. On XX/XX/XXXX, I sent two emails to the company disputing the collection costs and requesting verification of the debt, including a full itemization of the {$63000.00}, the calculation used for the 30.32 % fee, and the name and address of the original creditor. I also sent a written dispute via certified mail on the same date. To date, I have not received any response or acknowledgment from the company regarding my dispute or information requests. Due to the lack of response and lack of required notice, I am unable to verify the accuracy and validity of the collection costs being added to the account. I am requesting written verification of the debt, a full breakdown of all costs, documentation supporting the assessment of the collection fee, and proof that proper notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I sent a debt validation requests via certified mail. The first was received XX/XX/year>. The collector failed to respond to either within the 30-day period required under the FDCPA. On XX/XX/year> more than 30 days after receiving the request they updated the account on my credit report without ever providing validation. This constitutes continued collection activity on an unvalidated debt in violation of 15 U.S.C. 1692g. The original creditor never provided an itemized move-out statement as required under Texas Property Code 92.109. The debt can not be properly validated without documentation the original creditor failed to produce.

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 2026-04-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I receive XXXX XXXX totalling {$4500.00} of which {$4000.00} were for dental services, and {$590.00} was represented by the merchant as an administrative fee that Synchrony Bank Charges for the Financing of the dental work ( {$4000.00} ). Upon reviewing the terms of the financial agreement and speaking to Synchrony Bank Customer Service I discovered that Synchrony Bank does not charge a fee, nor interest rate until the 24 months no interest promotion is completed, the {$590.00} administrative fee is not valid. Nowhere in the financial agreement doe it disclose that there is a fee to acquire credit from Synchrony Bank and that interest will begin accruing after the 24 months interest free period has ended, Merchant enphatically indicates that this is afee that Synchrony Bank Charges for extending me credit. ( 1 ) I disputed the {$590.00} with Synchrony Bank online and received a response of denial XX/XX/XXXX. ( 2 ) Again another dispute was filed online, and a response of denial was received XX/XX/XXXX. ( 3 ) Third Dispute was filed online, and response of denial was received on XX/XX/XXXX. ( 4 ) Fourth Dispute was filed online response XX/XX/XXXX was denied. In all the disputes up to this point I specifically indicated that {$590.00} charge are not related to dental services but an administrative fee related to the financing of the dental work. Synchrony Bank 's response has been ; that I signed the financial agreement and I agreed to the terms. On XX/XX/XXXX I mailed a written dispute to Synchrony Bank XXXX XXXX in XXXX, PA, and to the date of this complaint no response has been received. The {$590.00} is not a charge for services received. The invalid administartive fee related to my financing is a billing error that Synchrony Bank refuse to acknolegeg and credit my account. I want the {$590.00} removed from my account this was not properly disclosed. On XX/XX/XXXX I received a response that they are working on it after I called them, which I did. In Addition, The provider Treatment Waiver clearly states that I am Contracting him for Crowns Zirconia. see attached documents.

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 2026-04-27 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: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXX recieved a payment of mine in the amount of XXXX on XX/XX/XXXX and as of now is not giving me credit for that payment. I have filed a disput and have sent XXXX XXXX proof and as of today XX/XX/XXXX still have not recieved credit for the check taht they cashed. I am still having to pay my monthly minium due and I don't have anymore money to pay them. They are charging me interest and fees and late fees and have ruined my credit.

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 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a medical collection account being reported by Ability Recovery Services , LLC. On or about XX/XX/year>, I sent a certified debt validation request to Ability Recovery Services disputing the account and requesting full validation. I specifically requested an itemized statement of medical services, proof of insurance billing and/or an Explanation of Benefits ( EOB ), documentation showing that I am legally obligated to pay the debt, and proof of the companys authority to collect. On XX/XX/year>, the company responded but provided only a summary statement listing the alleged creditor, date of service, and balance. They did not provide the detailed documentation requested, including an itemized bill, insurance information, proof of legal obligation, or sufficient documentation of their authority to collect. Despite failing to provide proper validation, the account remains on my XXXX credit report as a collection account and was verified after my dispute. I believe the company is misrepresenting the validity and accuracy of this debt by continuing to report it without providing complete documentation. I am requesting that this account be deleted from all credit reporting agencies or that the company provide full and proper validation of the 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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Lincoln Financial Services
State: NY

Complaint narrative:
I am disputing the claim that I owe any money. I have bank statements that serve as proof that this debt is not valid. The document submitted by XXXX is not a legitimate bank statement it appears to be a computer-generated document and should not be accepted as official financial record. Regarding my vehicle, I pursued a lemon law claim due to the dealership 's possession of my truck for more than 100 days. As a result, the truck was bought back by them in XX/XX/year>. I am providing the attached paperwork as evidence to support my case. I respectfully request that this matter be resolved and removed from my record accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
" I am in a formal hardship repayment program with Comenity Bank -XXXX Account # ending in XXXX. Per our written agreement dated XX/XX/year>, I have caught up on all past-due amounts and am currently enrolled in an autopay program to pay off the remaining balance. Despite being current according to the terms of this agreement, Comenity Bank continues to report this account to the credit bureaus as '90 days past due. ' This is factually inaccurate. I have contacted the company multiple times via their secure messaging portal to request a manual update, but I have only received automated form replies that do not address the issue. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. This reporting error is causing severe damage to my credit score and preventing me from qualifying for a loan to consolidate my debts. I have already tried to resolve this directly with the company, and they have failed to act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I used a Target store credit card to make a purchase for {$83.00} in XX/XX/year>. Unbeknownst to me, my autopay was no longer in effect. It appears that when I updated my banking information in XXXX, my autopay was automatically canceled without notification. I discovered the {$83.00} was delinquent on XX/XX/year> and immediately called Target and paid the balance in full over the phone the same day. Target acknowledged the unusual nature of the situation by refunding the late fee. A few days later, I found that my credit score dropped from XXXX to XXXX due to this single delinquency. This was an isolated incident. I have a long history of excellent credit and have consistently paid my obligations on time. The missed payment occurred solely because my autopay was unintentionally canceled. I made multiple good-faith attempts to resolve this matter directly with the company. I submitted written goodwill requests and contacted customer service and executive offices, asking that they remove the 30-day late payment as a one-time exception given the circumstances. However, they declined, stating only that the reporting is accurate. In addition, their written response incorrectly stated that payments were missed for consecutive months, which is not accurate. Given that this was a one-time issue caused by an autopay disruption, was immediately corrected, and that the late fee was refunded, I respectfully request that the company reconsider and remove the 30-day late payment as a goodwill adjustment and update the credit bureaus accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting an alleged collection account ( account ending in XXXX, balance {$1000.00} ) on my credit file without having provided proper validation despite multiple requests made well over 90 days ago. To date, Midland has failed to produce any documentation sufficient to establish that this debt is accurate, properly calculated, or legally enforceable. No competent evidence has been provided to demonstrate that I am contractually obligated for the alleged balance, nor that Midland has the legal authority to collect. I did not receive the required initial written notice prior to this account being reported. Any claim that such notice was mailed is unsupported, as no proof of mailing or delivery has been provided. General statements regarding standard mailing procedures do not satisfy the requirement to demonstrate that notice was actually sent and received. Despite the absence of proper validation and required notice, Midland continues to furnish this account to consumer reporting agencies. Reporting a debt that can not be substantiated raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA 1692g ) and the Fair Credit Reporting Act ( FCRA 623 ), which require that all reported information be accurate and capable of verification. The continued reporting of this account without sufficient supporting documentation also suggests noncompliance with XXXX XXXX reporting standards. This pattern of conduct reflects a disregard for federal consumer protection laws. If Midland is unable to provide full and proper validation of this alleged debt, then there is no permissible basis for continued reporting. I will not accept incomplete responses, generic statements, or unsupported assertions of verification. Absent full compliance, I am prepared to pursue all available remedies to address these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
Rocket mortgage replied to my first complaint on XX/XX/year> with there exact words this is what they said.. XX/XX/year> a payment was received for XX/XX/year> payment which then was returned for insufficient funds on XX/XX/XXXX XX/XX/year> a payment was made for XX/XX/year> this payment was not returned. XX/XX/XXXX a payment was received for XX/XX/year> payment this payment was also not returned XX/XX/year> a payment was made for XX/XX/year> This payment was returned on XX/XX/year> A payment was then made on XX/XX/XXXX for XX/XX/year>.. Rocket mortgage is now trying to say the payment made on XX/XX/XXXX was returned on XX/XX/year> but in my downloaded transaction history from today XX/XX/year> which shows payments received, revered and everything inbetween there was no activity on XX/XX/year> showing that any payment was returned Along side this they say XX/XX/year> payment was applied for XXXX payment even tho there is no proof the payment from XX/XX/XXXX was returned. Here is even a screenshot from the bank account proving nothing was returned on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
Hello I actually have two ongoing issues with Current Bank. On XXXX XXXX j noticed a transaction that I didnt made for {$72.00}, XXXX . Once I realized the unauthorized transaction I reached out to a XXXX representative. After reviewing my issue the representative couldnt find the transaction matching my last four of my current Debit card. The rep then advised me to chat with my bank regarding this transaction. Well I was denied my refund request even providing them with all the information I had. I even requested another investigation and I was still denied. I dont understand if I have proof from XXXX stating they couldnt find the transaction why Current isnt trying to help me. My other issue with current is I noticed on my XXXX statement that Current is transferring money from my current bank account Im using now to my old bank account. I am aware of Current Deposit Account Agreement for the Right to set off '' if my old account has a negative balance. Im confused because I was issued a new a Bank account when Current changed Bank institutions. My old account isnt negative, and every debt has been paid. Still there is internal transfers to my old debit account every time I would leave money on here. Current would take from XXXX XXXX to upwards of XXXX XXXX. I also notice that they would credited funds as well. Am I wrong to feel like Im being scammed. I mean, it been awhile since I have my new account, why would they still have it active?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: UT

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccuracies appearing on my credit report related to educational loans allegedly borrowed from XXXX XXXX , which closed on XX/XX/year>. The amount reported as owed is incorrect and does not accurately reflect the facts due to the schools closure and the subsequent contractual and legal obligations that release me from repayment. Inaccuracy Details : The credit report attributes an outstanding balance of XXXX to me based on a loan purportedly borrowed through XXXX XXXX. However, the school ceased operations in XX/XX/year>, per the U.S. Department of Education guidelines under XXXX and XXXX XXXX, Florida regulation, e.g., 34 CFR 668.24 Closed School Discharge. As a result, loans disbursed for tuition at this institution should be eligible for discharge. Legal and Contractual Basis : According to breach of contract principles, the closure of the school before I could complete my education constitutes a fundamental breach of contract ( see Restatement ( Second ) of Contracts 241 ). The school 's failure to provide the agreed educational services nullifies my obligation to repay loans related solely to this purpose. Furthermore, per the XXXX XXXX XXXX ( XXXX ) and regulations at 34 CFR 668.24, federal student loans borrowed for attendance at a closed school can be discharged, relieving borrowers of the unpaid balance. The U.S. Department of Education mandates that these loans must be written off upon proof of the schools closure and the borrowers eligibility. Given these facts, the reported debt is inaccurate and should be removed from my credit report immediately. Continuing to report this balance harms my credit unfairly and does not comply with the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate information. Requested Action : Please investigate this matter and correct my credit report by removing the inaccurate debt related to the closed school loan. Please provide me with written confirmation once this correction has been made. Enclosed are copies of : Notification of school closure from the U.S. Department of Education or the school 's official notice Documentation of my loan accounts Any other relevant correspondence supporting my claim Thank you for your prompt attention to this matter. I look forward to your confirmation of this correction within the 30-day timeframe under FCRA. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of Claim # XXXX on my account ending in XXXX. I reported multiple unauthorized XXXX XXXX transactions that I did not approve. These transactions occurred both in rapid succession and at separate times, which is not consistent with my normal spending behavior. Capital One denied my claim based on electronic activity or login history. However, the presence of a recognized device or login does not prove that I personally authorized these transactions. At the time several of these transactions occurred, I was at work in a healthcare setting and not actively using my phone for purchases. Due to the nature of my job, I have limited ability to use my phone during my shift, which further supports that these transactions were not authorized by me. I have already submitted a written statement and requested supporting evidence, including device details, IP address, timestamps, and authentication methods, but my claim was still denied without sufficient proof that I authorized the transactions. I am requesting that Capital One conduct a proper and thorough investigation and reimburse the unauthorized transactions associated with Claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: KY

Complaint narrative:
I made a purchase on XXXX website back in XXXX only to receive a box of broken dolls that did not fit the description. I immediately buy it dispute. It has been since XX/XX/XXXX. Cash App has done nothing and just keep keeps saying the dispute is in progress refusing to provide a provisional credit for the {$340.00}.

Company response to consumer: Closed with explanation