vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Certified Mail, Return Receipt Requested Original Creditor : XXXX XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1 A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2 An itemized statement of the account from day one, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3 Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4 Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within XXXX ( XXXX ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail, Return Receipt Requested Original Creditor : XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1 A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2 An itemized statement of the account from day one, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3 Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4 Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within XXXX ( XXXX ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a Living Spaces credit card issued by Synchrony Bank and financed a purchase of {$3500.00} under a deferred-interest promotional offer ( " No Interest If Paid In Full '' ). I enrolled in paperless statements at account opening. On XX/XX/XXXX, Synchrony charged {$2100.00} in deferred interest to my account, representing interest backdated to the original purchase date at 34.99 % APR, triggered by the expiration of the promotional period. This single charge pushed my balance above my {$5000.00} credit limit to {$5100.00}, resulting in additional ongoing interest charges in XXXX ( {$120.00} ) and XXXX ( {$120.00} ), as well as a late fee of {$30.00} in XX/XX/XXXX. Total charges I am disputing : {$2300.00}. My complaint concerns Synchrony 's failure to provide adequate and timely notice of the promotional expiration date. Because I was enrolled in paperless billing, I had no expectation of receiving paper statements. Synchrony 's obligation to notify customers of impending promotional expiration does not disappear in a paperless environment ; it shifts to the email channel. I did not receive adequate email notification warning me that my promotional balance needed to be paid in full before expiration to avoid deferred interest charges. The deferred interest product itself is structured in a way that the CFPB has previously found to be harmful to consumers : interest accrues silently for the entire promotional period and is assessed in full if even a small balance remains at expiration. Minimum payment amounts set by Synchrony ( {$110.00} to $ XXXX ) were insufficient to pay off the promotional balance by the expiration date, yet Synchrony did not prominently communicate this gap to me. I am requesting that Synchrony Bank waive or refund the {$2100.00} deferred interest charge applied on XX/XX/XXXX, as well as the {$120.00}, {$120.00}, and {$30.00} in charges that followed directly from that event, for a total of {$2300.00}.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
XX/XX/year> * * Subject : * * Request for Validation and Deletion of Unverified Collection Account To Whom It May Concern, My name is XXXX XXXX XXXX, and I am writing regarding the collection account being reported by TRUEACCORD CORPORATION for an alleged balance of {$130.00} with the original creditor listed as XXXX XXXX XXXX. I do not recognize or have knowledge of this account, and I dispute the accuracy and validity of this reporting. I am requesting full verification and validation of this alleged debt. Please provide the following documentation : * A signed contract or agreement bearing my signature * Proof that I legally owe this debt * Complete account records and payment history * Documentation showing the chain of assignment or ownership of the account * Proof that this account belongs to me If you are unable to provide all required documentation validating this account, I request that this account be immediately deleted from my credit report with XXXX and any other credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Until proper validation is provided, this account should not continue to be reported. Please send written confirmation of either : 1. Full validation of this account, or 2. Deletion of this account from my credit file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I was sold a loan through Monterrey Financial to pay for tax relief services from XXXX XXXX based on representations that my tax debt could be reduced or resolved. I incurred approximately {$3700.00} in debt for these services. The result was an IRS payment plan that I could have arranged directly myself, and my tax debt was not reduced. I was induced into financing services before a meaningful analysis of my actual eligibility for tax relief was provided. I am requesting a review of this financing arrangement and the circumstances under which it was originated, as I am not tight to a loan that I was encouraged to agree to but did not received the tax assistance that was advertised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account at a 5th 3rd branch with proper id and funded the account with direct deposit from my employer. I qualified for and received a {$300.00} bonus from the bank. Then they received a so called " early warning '' from a 3rd party that I had multiple bank accounts in the last year so 5th 3rd decided they did not want me as customer. They then froze my account and stole the {$300.00} bonus I already qualified for and received. They send me the remaining balance and when i complained about all of this they insinuated fraud when its clear they are the only frauds here. When i asked they honor the bonus and give it back they claim they have the power to close an account any time they want and choose to bully me out of the {$300.00}. How pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing this complaint against Harris & Harris LTD regarding the continued furnishing and verification of an alleged collection account reportedly associated with T-Mobile. This account should have already been removed during prior fraud remediation actions and FTC identity theft dispute processes completed approximately XXXX years ago. Despite prior disputes, fraud-related notices, and fraud alerts associated with my consumer files, Harris & Harris LTD continues furnishing and verifying this account without competent verification and in violation of the Fair Credit Reporting Act ( FCRA ). Disputed Account Information : Creditor/Collector : Harris & Harris LTD Original Creditor : XXXX Partial Account Number : XXXX Reported Balance : {$680.00} I dispute this alleged debt in its entirety. To date, Harris & Harris LTD has failed to provide competent evidence demonstrating that this alleged debt is accurate, enforceable, legally collectible, or properly attributable to me. The continued furnishing and verification of this account appears to violate, including but not limited to : 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate disputed information 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirements 15 U.S.C. 1681i ( a ) Reasonable reinvestigation obligations 15 U.S.C. 1681c-2 Blocking information resulting from identity theft UCC 1-308 Reservation of rights without prejudice UCC 3-501 Demand for validation/presentment and competent evidence of obligation At the time this account was disputed, fraud alerts and extended fraud alerts were actively associated with my consumer files. Harris & Harris LTD and the consumer reporting agencies were on notice regarding fraud and identity theft concerns associated with my reports. Despite those fraud-related notices, Harris & Harris LTD continued furnishing and verifying this account to multiple consumer reporting agencies without providing sufficient documentation or competent evidence supporting the alleged obligation. Additionally, my consumer files contain multiple inaccurate name variations and misspellings that do not accurately reflect my legal identity, raising additional concerns regarding improper account matching, verification procedures, and furnishing accuracy. My correct legal name is : XXXX XXXX XXXX I request immediate deletion of this account from all consumer reporting agencies, cessation of any further inaccurate furnishing activity, and full disclosure of all documentation relied upon to continue reporting and verifying this alleged debt. I reserve all rights and remedies available to me under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Certified Mail, Return Receipt Requested Original Creditor : XXXX XXXX XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1 A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2 An itemized statement of the account from day XXXX, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3 Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4 Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within XXXX ( XXXX ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am currently in XXXX and hold a valid substitute check that is set to expire on XX/XX/year>. The check was issued by the maker 's bank to replace an original check that was voided long ago. No funds were ever withdrawn for the original check. When I try to deposit this substitute check using the Chase mobile app, the system repeatedly rejects it with a " duplicate check number '' error. The substitute check inherited the same check number as the voided original, so Chase 's internal system is incorrectly flagging it. I contacted Chase multiple times to resolve this. On XX/XX/XXXX, I called Chase customer service twice. The first call was disconnected before I could provide the check information. On the second call, I was told to contact a local bank in XXXX, which can not process a U.S. dollar substitute check. On XX/XX/XXXX, I sent a secure message through Chase online banking. The reply told me to contact International Customer Service. On XX/XX/XXXX, I called International Customer Service. They told me to contact the apartment that originally issued the check, even though the apartment had already issued this substitute check and could do nothing further. Also on XX/XX/XXXX, I sent another secure message explaining that the apartment could not help and that the actual issue is a duplicate check number flag in Chase 's system. I received no substantive response to this. On XX/XX/XXXX, Chase replied with a mailing address and instructed me to mail the check. I followed up asking a critical question : will the mail deposit team manually review the check and clear the duplicate flag, or will it be rejected again automatically. I received no answer to this question. On XX/XX/XXXX, Chase replied to my follow-up, telling me to visit a local branch in person. This was not an answer to my question about manual review, and it is an impossible instruction because I am currently in XXXX. Over the course of ten days, Chase directed me to five different channels a local bank in XXXX, International Customer Service, the apartment, mail deposit, and a physical branch without any of them addressing the actual problem : a duplicate check number flag in Chase 's internal system that needs to be manually removed. The check expires on XX/XX/year>. I have exhausted all remote channels available to me and am at risk of financial loss due to Chase 's failure to resolve this internal system error. I am asking Chase to manually remove the duplicate check number flag so I can deposit this substitute check remotely before it expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This complaint concerns Barclays Bank Delaware 's continued refusal to reverse a {$340.00} disputed charge for counterfeit merchandise, and is related to my earlier CFPB Complaint XXXX, which was closed with explanation on XX/XX/year>. I am filing this as a new complaint because I now have written confirmation from the brand owner that materially changes the record and that Barclays has not addressed. On XX/XX/year> I made a {$340.00} contactless purchase from a storefront branded " XXXX XXXX '' inside The XXXX XXXX in the XXXX, intending to buy authentic XXXX merchandise. On XX/XX/year>, an independent luxury authenticator, Real Authentication, issued a written determination that the jacket is counterfeit, citing materials below brand standard, stitching inconsistencies, and incorrect typography on the labels. I filed a dispute on XX/XX/year>, submitted the authentication report and supporting evidence on XX/XX/year>, and sent a written rebuttal on XX/XX/year> invoking the Fair Credit Billing Act. Barclays denied the dispute XXXX times on XX/XX/year>, XX/XX/year>, and in its XX/XX/year> response to my prior CFPB complaint. None of the denials addresses the authentication evidence on the merits. Barclays ' final rationale relied on the fact that the transaction was contactless and the cardholder was present at the point of sale, which has no bearing on whether the merchandise was authentic. The XX/XX/year> denial also threatened adverse credit reporting on the disputed amount. On XX/XX/year>, XXXX XXXX XXXX ( XXXX XXXX, XXXX ) responded in writing and confirmed that the specific storefront at issue is not authorized, that XXXX operates only one authorized boutique in the XXXX selling only womenswear and childrenswear, that the merchandise does not belong to XXXX XXXXXXXX XXXX collections and was not purchased through its authorized distribution network, and that certain third-party operators using the XXXX name are independent and not authorized retailers. This brand-owner confirmation directly eliminates Barclays ' stated rationale for denying the dispute. The transaction being contactless and card-present has no bearing on whether the merchandise was authentic. I have also filed parallel complaints with the FDIC and the Delaware Office of the State Bank Commissioner, and have demanded reversal directly from Barclays ' Office of the President with a ten-business-day deadline.

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