vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Georgia CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Account Number : XXXX Amount : CREDIT COLLECTION SERV - XXXX : {$100.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Approximately five years ago, I paid an {$80.00} XXXX collection handled by Diversified Adjustment Service. My recollection is that I was told during the payment process that the collection would be deleted from my credit reports after payment. I relied on that understanding when I paid. Because the conversation occurred approximately five years ago, I can not quote the representative exactly and do not have a recording or written confirmation. I recently discovered that the collection remains on my credit report. I request that Diversified review its historical account notes, payment records, and any retained call information to determine what was communicated to me. I am requesting that Diversified delete the collection from XXXX XXXX XXXX XXXX as the fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
in accordance with the fair credit act this creditor has violated my rights under 15usc1681 sec602 says i have a right to privacy XXXX also say they can not furnish an account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OK

Complaint narrative:
Name : Elan Financial Services Product : Credit card Issue : Problem with a purchase or service/ Fees or interest I am filing this complaint because Elan Financial Services has engaged in predatory and non-compliant fee-splitting practices on my account ending in XXXX. On or around XX/XX/XXXX, single payment attempt on my account failed. In response, the company penalized me by splitting a single violation into XXXX separate charges on my statement : Returned Payment Fee for {$30.00} and Returned Payment Fee for {$41.00}. Together, these separate line items artificially inflated my total penalty to {$71.00} for a single underlying payment event. Under the Truth in Lending Act ( Regulation Z, 12 CFR 1026.52 ), credit card issuers are subject to strict safe harbor limits regarding penalty fees. Specifically, 1026.52 ( b ) ( 2 ) ( ii ) prohibits a card issuer from imposing multiple penalty fees based on a single violation or underlying event. By splitting this penalty into two separate transactions to reach {$71.00}, the company is actively attempting to circumvent federal caps and engage in prohibited fee stacking. I contacted customer service on XX/XX/XXXX to resolve this matter, but the company hung up on me during my first attempt then refused to correct the ledger entirely on my second attempt.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged my annual credit card fee of {$590.00} on XX/XX/XXXX. Citi has a XXXX window to recoup the annual fee if you downgrade the card. I attempted to downgrade the card to their no-fee card on XX/XX/XXXX but they could not process this as I had an active XXXX fraud alert on my credit report. I called/worked with all XXXX credit bureaus and removed the fraud alert on XX/XX/XXXX. I then called back on XX/XX/XXXX and they said their internal system still did not update the removal of the fraud alert. When I separately called XXXXXXXX XXXX XXXXXX/XX/XXXX to increase my credit limit, they confirmed that the fraud alert had been lifted and they could see that in their system. I tried calling Citi again on XX/XX/XXXX and they claimed they still saw a fraud alert status in their internal system. They admitted that this can take a while to update, despite me having removed a fraud alert and being at risk. I then called Citi 's XXXX XXXX XXXX on XX/XX/XXXX and they opened a complaint request and said this would be resolved in 15 days. The rep told me that I was still eligible to receive the full {$590.00} annual fee refund since I had made attempts to downgrade within the XXXX window and she would make a note of this. I received an email from Citi on XXXX that they were closing out my complaint and that they could not downgrade my card due to the fraud alert they see prevailing in their internal system. They claimed it XXXX take up to 60 days for a credit bureau to report the fraud alert removal to them. I find this hard to believe, given that XXXX was notified, at maximum, within 5 days. I spoke with Citi 's XXXX team again on XX/XX/XXXX to reopen the case as there was no confirmation if I would still receive my {$590.00} annual fee back. They called me back on XX/XX/XXXX and said that I will not receive the full annual fee since we are beyond the XXXX window, even though I have been attempting to downgrade my card for the past 34 days and removed the fraud alert as directed. I am seeking a solution for Citi to override their system 's outdated fraud alert status for my account, downgrade my card, and reissue the full {$590.00} annual fee. This appears to be a somewhat common issue for Citi 's internal system based on other feedback I am seeing in online forums. Please advise.

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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I was contacted by Sunrise Collections about a debt owed to XXXX. I dont think I owe them anything they repeatedly lied to me about my account. I kept on talking to other people which all told me different things. Anyways I closed my account but then they said I owe them money which went to Sunrise. I never got any letter in the mail I only received phone calls from them. At some point they put it on my credit report as a collection. So I called Optimum and asked them if they want to settle because I didnt want it on my report so I was willing to pay some even though I didnt think I should owe anything. They didnt want to settle. So I called Sunrise and asked the same and also got the same answer. My next step was to send a formal letter to Sunrise saying Im willing to settle if they would clear the collection and close out the account. I also asked to receive it in writing so I have proof just in case. The letter I sent was sent with a return receipt which I received back a few days after sending the letter meaning they received my letter. Its been over 30 days and I have not received any letter back from them at all. Based on my research they are required to answer within that time frame. At the same time they added another collection to my name for the same bill. Making it a duplicate collection. The amount owed is {$1100.00}. The date it was added to my credit report was XX/XX/XXXX but was dated back to XX/XX/XXXX. The duplicate was just added this month XX/XX/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 2026-07-15 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: Experian Information Solutions Inc.
State: WA

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 explanation
Consumer complaint received 2026-07-15 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: WA

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 explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Failure to Meaningfully Respond to Documentation Request I am submitting this complaint because Bank of America has twice failed to meaningfully respond to my written requests regarding this account. I previously disputed this account directly with Bank of America and later submitted a detailed written request through the CFPB asking for documentation supporting the account and the information being reported. In my correspondence, I requested documentation, including the basis for the alleged debt, an itemization of the balance, payment history, the date of first delinquency, and documentation supporting the information being furnished regarding this account. Rather than addressing the specific documentation I requested, Bank of America responded only with a general statement that its investigation concluded the information being reported is accurate. The response did not explain how my individual requests were addressed, nor did it identify whether the requested records were unavailable, withheld, or simply not being provided. My concern is not that Bank of America disagrees with me. My concern is that the company has repeatedly failed to provide a substantive response to the specific documentation I requested, despite being given multiple opportunities to do so. I am requesting that Bank of America conduct a meaningful review of my request and either : * Provide a complete response addressing the documentation I requested, or * Clearly explain why the requested documentation can not or will not be provided. I believe consumers deserve more than a generic statement that information is accurate when they have submitted detailed, specific requests seeking to understand the basis for the reporting and the account history. I appreciate the CFPBs assistance in facilitating a meaningful response from Bank of America.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I used a CareCredit account issued by Synchrony Bank to finance XXXX XXXX totaling approximately {$2000.00}, which was processed as XXXX separate promotional purchases. My intention from the beginning was to pay the promotional balance in full before the promotional period expired. I calculated what I believed was the necessary monthly payment, enrolled in automatic payments, and even made an additional {$500.00} payment shortly after opening the account. Over the following XXXX years, I continued making payments and I believed I was responsibly paying off the promotional balances related to my XXXX XXXX. I later learned that additional promotional purchases affected how my payments were allocated. I did not realize this made it much more difficult than I understood to pay off my original promotional balance before its expiration date. When the promotional period expired, Synchrony charged more than {$860.00} in deferred interest. I contacted customer service through online chat on XX/XX/XXXX, to ask about the charge. During that chat, I was told the deferred interest would be credited back to my account within XXXX to XXXX hours. Based on that representation, I expected the matter to be resolved. When no credit appeared, I contacted Synchrony again and was directed to speak with a supervisor. The supervisor acknowledged that I had been given incorrect information and stated that the representative would be coached, but Synchrony refused to honor the commitment that had been made to me. I understand Synchrony believes the deferred interest was assessed according to the promotional terms. However, I believe the way multiple promotional balances affected the application of my payments was confusing, and I genuinely believed I was responsibly paying off my original XXXX XXXX balance. I also believe it was unfair to promise that the interest would be reversed and then refuse to honor that promise.

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 2026-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MI

Complaint narrative:
The company will not update the amount as paid on the credit reports. They are still confirming the debt amount is {$2500.00}.

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 explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This person called me about a loan that I was preapproved for XXXX dollars. He said his company was Light Stream and his name was XXXX XXXX and the phone number is XXXX. The portrayed themselves as the legitimate company and asked for personal information like my checking account login, to pay insurance for the loan to cash app. I kept questioning them as to if they were a legit company and they kept ensuring me they were, but my gut was telling me differently. I also spoke to a gentleman at the same number by the name of XXXX XXXX. This company is not Light Stream which is a legit company. They also sent me a legit contract that i signed. Someone needs to go after these scammers.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Business Processing Solutions, LLC
State: MS

Complaint narrative:
I am filing a formal non-compliance complaint against Pioneer Credit Recovery regarding my XXXX loan account. On XX/XX/year>, I spoke with a phone agent named XXXX. I informed XXXX that I had not received the mandatory financial hardship forms via email. XXXX aggressively refused to resend forms, falsely claiming he " could not '' and will not email them to me because he looks in his system and it shows that forms was already sent and it also shows that it was no error in sending them. So no he can not send them again and will not send them again. He told me to get someone to help me find them in my email. He advise me to look in spam and I repeated my self more then XXXX time that I looked in trash, spam and my regular email and did not received them. He told me I did not have to keep repeating my self. I couldn't understand what he was saying and ask him to repeat what he was saying and he said he will not repeat his self again that he has already said it. XXXX rudely refused to repeat critical information, made hostile smart remarks about what he was not going do. then proceed to ask me do I have a fax that he can fax them. I gave him my fax number he never faxed forms over. He rudely ask me was I ok and I told him no and the way he talked like he was not willing to answer anymore questions and rudely said am hanging the phone up, am getting off the phone. I asked him what was I suppose to do, he did not want to answer any questions. He kept saying he was not repeating it and he already said it. When I were still trying to ask question about the form, he made hostile smart remarks, such as, better today then tomorrow, something similar to that but not those exact words. I asked him what he mean about that. he was very rude. Hurt my feelings to the core and no client should every go through that. This agent was verbally abusive and intentionally withheld federal financial disclosure forms to pressure me. I am actively trying to establish a good-faith $ XXXX Treasury XXXX XXXX. I demand that Pioneer pull the call recording, discipline agent XXXX, remove him from my account, and email immediately. This is an agent at Pioneer Credit Recovery

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had tried to pay a hairstylist their deposit and it wouldn't go through and WellsFargo wasn't even trying to reach out to me to allow me to bypass the fraud warnings. I tried using XXXX and it put both of them on hold. I told them I tried those things and none of them worked, verified my account, and the agent said she got it taken care of but now I am locked out of my online account and now they won't allow me to get into the 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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint because Barclays Bank Delaware is reporting an account on my consumer credit reports that is materially misleading and continues to negatively affect my credit profile. The account is being reported as an Authorized User account. I was never the primary account holder and was never contractually responsible for repayment of this debt. Despite this, Barclays is reporting severe derogatory payment history, including XXXX, XXXX, and XXXX late payments, which creates the false impression that I was legally responsible for the account 's payment performance. The account has also been closed by the creditor and currently reports a XXXX balance, yet the derogatory payment history continues to damage my credit profile. As an authorized user, I did not enter into the underlying credit agreement with Barclays and did not assume contractual liability for repayment. Reporting derogatory payment history under these circumstances is misleading and warrants a thorough investigation. I am requesting that Barclays conduct a reasonable investigation and provide documentation demonstrating : - That I was legally obligated for this account. - That the derogatory payment history is accurately attributable to me. - The legal basis for continuing to report this account with negative payment history against my consumer credit file. If Barclays can not provide competent documentation supporting the continued reporting of this derogatory information, I request that the account and its associated negative payment history be removed from all consumer reporting agencies. I also request that Barclays ensure any information furnished to XXXX XXXX XXXX XXXX complies with the Fair Credit Reporting Act 's accuracy requirements.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Someone made a withdrawal from my accout and the bank didnt want to giveme the information

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My irs tax return was deposited into USAA ACCOUNT NUMBER XXXX. THAT IS NOT MY ACCOUNT NUMBER. XXXX AT USAA IS SAYING THERE IS NOTHING HE CAN DO BECAUSE THAT ACCOUNT BELONGS TO SOMEONE. HOWEVER THEY HAVE A DIRECT DEPOSIT OF MY MONEY AND THEY WONT SEND IT BACK TO THE ITS SO THE IRS CAN ISSUE IT TO ME!!!

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