vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint against LVNV FUNDING LLC for reporting incorrect information on my credit reports with XXXX, XXXX, and XXXX. The account in question is a credit card debt under account number XXXX, with a current balance of {$1100.00}. This account is inaccurately reported as being in collections, which adversely affects my credit scores, currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On XXXX separate occasions, I have disputed this inaccurate information directly with the credit bureaus : on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Each time, I used the automated dispute process provided by the credit bureaus, but the issue remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and the bureaus are required to investigate and correct any inaccuracies in a timely manner. However, despite my repeated efforts, the erroneous collection status continues to be reported. The presence of this collection account has caused significant harm to my financial standing. It has negatively impacted my credit scores, limiting my ability to qualify for favorable lending terms and affecting my overall financial health. This is not only unjust but also distressing, given the repeated attempts to correct the matter. I believe that LVNV FUNDING LLC is in violation of the FCRA by failing to ensure that the information they report is accurate and complete. This persistent error reflects a lack of compliance with the provisions set forth by the FCRA, which mandates that all entities reporting consumer information do so with the utmost accuracy. I am seeking the complete removal of the inaccurate collection account from all three credit bureausXXXX, XXXX, and XXXX a resolution to this matter. This correction is necessary to restore my credit scores and financial reputation. Thank you for your attention to this serious matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: MI

Complaint narrative:
In early XX/XX/2026, I used PayPal Credit issued by Synchrony Bank to purchase a XXXX XXXX on XXXX totaling approximately {$520.00}. I never received the item. On XX/XX/2026, after not receiving the merchandise, I filed a billing dispute. The seller provided a tracking number showing delivery only to my city/ZIP code. After contacting the shipping carrier directly, I was informed the package was not delivered to my address. On XX/XX/2026, I was notified that the dispute was not resolved in my favor based solely on tracking status. I have since contacted Synchrony again and the dispute has been reopened, but the charge remains unresolved despite confirmation from the carrier that the delivery address does not match mine. I am requesting a proper investigation and removal of the charge for merchandise not received.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates Collection, account XX/XX/XXXXXXXX, This company has placed a collection debt on my account I do not owe. I asked repeatedly to send me a copy of the original signed ownership of this debt. This company purchased a debt from a company and they own this debt. I asked for repeated proof that I owe Portfolio {$740.00}. Not once has they sent or show me proof of this debt. I do not owe {$740.00} to Portfolio Recovery or any other credit card company. I want this debt removed off my credit report agencies. All XXXX credit agencies needs to be contacted by this company to remove a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am filing this complaint against American Express regarding a fraudulent account reported under my name. American Express has acknowledged that the accounts was opened electronically and that no signed agreement exists. Despite this, they continue to report this account and claim I benefited from it without providing any proof of authorization. American Express is reporting a business account for which I have no affiliation. I have never been associated with the business, nor have I authorized any account in its name. American Express hasnt provided a signed agreement, Proof of identity verification nor Documentation showing I authorized or opened this account. This is a violation of the Fair Credit Reporting Act, as they are reporting inaccurate and unverified information. Last letter I received from American Express was dated XX/XX/XXXX. Letter is attached. Identity theft report with the FTC has been filed on XX/XX/XXXX, Report number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am submitting this complaint regarding an inaccurate debt being reported against me that does not belong to me. The account is associated with XXXX XXXX a location where I have never lived. This appears to be a mixed file error, where another individuals information has been incorrectly matched to my credit profile. I became aware of this issue after receiving mail at my residence addressed to both myself and an individual named XXXX XXXX XXXX, whom I do not know and have no association with. This indicates that my personal information has been incorrectly linked to another person. I did not open this account, sign any lease, or authorize any services related to this property. On or around [ XX/XX/year> ], I formally disputed this debt with the collection agency and requested full validation, including proof of residency and a signed lease agreement. I also requested that they cease reporting this account until it is properly verified. As of today, the company has [ not responded/ failed to provide sufficient documentation/ continues to report the account ], and the inaccurate information remains on my credit report. This situation is causing harm to my credit and financial standing. Reporting a debt that does not belong to me without proper verification is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this matter be investigated and that the account be permanently removed from my credit report. I also request that the company be required to provide proper validation or cease all collection and reporting activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was held at the XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) during the months of XXXX, XXXX, and XXXX. Records confirming these dates are available from the XXXX XXXX Sheriff 's Office Records Division at ( XXXX ) XXXX. I am filing this complaint against Chime Financial , Inc. for their failure to resolve a clear case of unauthorized transactions totaling {$4000.00} that occurred during the months of XXXX, XXXX, and XXXX. During the timeframe these transactions occurred, I was physically incarcerated at the XXXX County Jail and had no access to my Chime debit card, my mobile device, or the internet. As such, it was a physical impossibility for me to have authorized or benefited from these transactions. I have provided Chime with XXXX Police Department Case # XXXX and proof of my whereabouts, yet they continue to deny the dispute without valid cause, violating my rights under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting under the Fair Credit Reporting Act. The account at issue is an auto loan being reported as a charge-off with a balance of {$9000.00}. I submitted a direct dispute to the furnisher, which was delivered on XXXX XXXX XXXX This dispute was submitted pursuant to the Fair Credit Reporting Act and requested a reasonable investigation into the accuracy and completeness of the account. Specifically, I requested documentation including : - A signed agreement evidencing my obligation as a co-signer - A complete payment history - Documentation supporting the date of default and charge-off - A detailed breakdown of the reported balance - Proof that no improper post charge-off fees or interest were added - Documentation with dates showing that I, as a co-signer, was properly notified of missed payments, default, and charge-off As of today, more than 30 days have passed since delivery of my dispute, and I have received no response and no documentation. This constitutes a failure to conduct a reasonable investigation and a failure to comply with obligations under the Fair Credit Reporting Act. Additionally, the continued reporting of this account without providing verification raises concerns regarding the accuracy and completeness of the information being furnished to consumer reporting agencies. This account was also disputed through a consumer reporting agency and was marked as verified. However, the furnisher has failed to provide any documentation to substantiate that verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
Re : Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute the accuracy of the following account listed on my credit report : Creditor : Sequium Asset Solution Original Creditor : XXXX Account Balance : {$160.00} Date Opened : XX/XX/year> This account is being reported as a collection account. I am disputing this account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation of disputed information. I request that you conduct a thorough investigation of this account. Please provide verification and documentation that this debt is accurate, including : Proof that this debt belongs to me A complete payment history A copy of any original agreement or contract with XXXX XXXX showing Sequium Asset Solution has the legal right to collect this debt If you can not verify this information, you are required by law to delete this account from my credit report. Additionally, if this account has been reported inaccurately or without proper validation, it is in violation of the FCRA, and I request its immediate removal. Please complete your investigation within the 30-day period required by law and provide me with written results. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Starting on XXXX I woke up to a negative account. 2 charges showed in my banking app one for {$870.00} and another for {$920.00}. I called the bank to inform them these charges were NOT made by me and was given a provisional credit. Fast forward to XX/XX/year> M & T took the provisional credit back stating " the charges were processed correctly '', not understanding I asked for more info. in trying to get more info I was hung up on XXXX different times for asking to speak to a manager/supervisor, I finally talked to a banker that said I should call the merchant, so do my own investigation! I filed a police report, I called the merchant, who was way more helpful then the bankers, who explained the apartment complex uses an online third-party service, which sent an automated response to M & T and they were happy with that and is their basis for not reopening the case and doing a thorough investigation, you know the one I did and should not have had to. when I tried to explain what the merchant said XXXX chose to interrogate me about who I've had stay in my house over the last 6 months and could I trust my children to not do this. I also have been trying to explain that I am a homeowner in XXXX XXXX and do NOT have a need for an apartment an hour away in XXXX XXXX. I went to the bank where I found out that they also could not help me but did give a more info, that the bank will not budge on reopening the case because the charges were made from the same IP address. Meaning someone hacked my phone and rented an apartment with money I did not have, and M & T ALLOWED IT! didn't block it for insufficient funds didn't call to say hey this you, nothing! Banks CAN NOT treat people like this.

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 2026-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/ 2026 i have faxed and mailed mohela the following below : " This is a response to receiving the correspondence, To include from my response from XX/XX/XXXX, I am disputing and requesting for a validation of the alleged debt. For the debt to be validated, please respond to the following requirements : XXXX. The amount of the debt XXXX. Name of the creditor to whom the debt is owed XXXX acknowledge the debt is validated XXXX. Provide legal evidence that I have an obligation to pay you Failure to provide this information does not validate the debt. In pursuant to 15 USC XXXXg, this is NOT a request for verification but a request for validation and disputing the debt. I will require at leastXX/XX/XXXXdays to investigate this information during which all collections shall cease and desist. " I have the right to dispute and Mohela is resisting and causing demage to my consumer report

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a promotional deferred-interest balance on my account that I fully intended to pay off before the expiration date. However, the company transitioned or changed its servicing platform, including its name and login system, which prevented me from accessing my online account. As a result, I could not view my statements or the promotional expiration date. Because I was enrolled in paperless billing, I did not receive mailed statements, and the access issues left me without a way to monitor my account during this period. I attempted to resolve the problem through the online portal but was unable to obtain meaningful assistance or restore access. I also did not receive effective notification that the promotional period was ending. As a result, I missed the deadline by approximately XXXX weeks. After the deadline passed, the company applied approximately {$1000.00} in retroactive deferred interest, increasing my balance from about {$1200.00} to over {$2200.00}. I contacted customer service promptly and requested a one-time goodwill adjustment because I was ready and willing to pay the remaining balance immediately. My request was denied despite the short delay and the access issues that prevented me from monitoring the deadline. I am seeking removal of the retroactive deferred interest so that I can pay the remaining balance ( approximately {$1200.00} ) in full and resolve 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 monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Validation of Debt Request - NCB - XXXXXX/XX/XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to express the deep distress this situation has caused me. The debt collector in question has engaged in clear and unjustifiable violations of the Fair Debt Collection Practices Act ( FDCPA ), which strictly prohibits such conduct. They have reported and furnished an account that I never agreed to, nor did I ever sign any contract related to it. A valid legal agreement requires the consent and signatures of both parties yet I was never a participant in any such agreement. To make matters worse, they failed to follow the proper XXXXstep debt validation procedure required by law. Because of their negligence and disregard for proper conduct, my peace of mind has been shattered. Ive endured sleepless nights, emotional distress, and the damage of seeing an inaccurate account tied to my name something I had no part in creating. According to the FDCPA, I am entitled to compensation for these violations. Their actions have clearly infringed upon my rights and exploited the authority they were granted under the law. I demand that this account be removed immediately and that steps be taken to correct this wrongful and harmful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX Subject : Dispute of Credit Reporting CREDIT COLLECTION SERV ( XXXX ) To Whom It May Concern, I am writing to dispute the following account listed on my credit report : CREDIT COLLECTION SERV ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$290.00} I do not recognize this account and have no knowledge of any obligation related to it. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and verify the accuracy of this account with the data furnisher. If this account can not be properly verified, it must be removed from my credit report. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX last XXXX ssn XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation