vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
This debt is not mine. It belongs to my son with the same name at the address serviced in question. My son said he called and tried to correct where the error was. He now has a new account with the company XXXX with a zero dollar balance. I had XXXX years ago at my own address and I can still log in to my old account and it also shows zero balance. My son believes this debt was a fee for him not returning the Modem at his Florida address. I already utilized CFPB when XXXX sold this debt to report XXXX Account XXXX to dispute this is not my debt. XXXX Account XXXX deleted the dispute but now it's sold to Credence Resource Management. I was never notified of an account ever being opened under my name, never received a monthly bill at my address, never notified that an account that I apparently owned was in delinquency... Nothing at all until it started hitting my credit report. I also sent XXXX Account XXXX proof of my address for the past 9 years not in Florida ( that didn't help ). Contacted XXXX also who said there is nothing they can do at this point. I explained the same name situation and that sales rep may have pulled up my account by accident or saw my son had bad credit so they may have accidently/purposefully when with mine. So I am stuck with collection agencies trying to collect a debt from me that is not mine... If it was mine they would have had the money on day one. It would have never been a debt because I've never been late with ONE payment all my life. No one wants to take me to court. They just want to ruin my credit score using a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am the personal guarantor on multiple Synovus business credit cards. Because I personally guaranteed these accounts, Synovus 's conduct directly affects me personally and directly affects my personal credit profile. XXXX. Unauthorized revocation of 0 % promotional APR. The Synovus XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX a federally required XXXX XXXX XXXX identifies XXXX express trigger for early termination of the XXXX XXXX introductory XXXX : failure to receive the minimum payment by the due date during the introductory period. That trigger never occurred. Synovus nevertheless assessed finance charges of approximately {$240.00} on or about XX/XX/XXXX and {$240.00} on or about XX/XX/XXXX on the XXXX XXXX ending in XXXX, increasing the balance for which I am personally liable as guarantor. XXXX. Pretextual " inactivity '' rationale given directly to me. On XX/XX/XXXX, Synovus banker XXXX XXXX emailed me stating that accounts were being closed for " inactivity. '' My Account records contradict that statement. XXXX. Solicitation of my personal banking while concealing pending adverse action. On XX/XX/XXXX, branch XXXX XXXX XXXX and XXXX XXXX met with me by Zoom in a XXXX recorded meeting and solicited me to move more of my personal banking and lending to Synovus. They did not disclose that adverse repricing had already occurred or that closures were imminent. XXXX. Recorded " without reason '' admission contradicting earlier written rationale. On XX/XX/XXXX, XXXX XXXX admitted on a recorded line that Synovus can end relationships " without reason, '' directly contradicting the prior " inactivity '' rationale. XXXX. Verbally rescinded $ XXXX charge-off targeting my personal guarantor liability never confirmed in writing. Also on XX/XX/XXXX, a Synovus complaints department employee verbally rescinded, on a recorded line, a previously threatened XX/XX/XXXX charge-off demanding more than {$40000.00}. Because I am the personal guarantor, this threat targeted me personally and the rescission directly affects my personal liability and my personal credit. Synovus promised a written confirmation of the rescission. It has not arrived. XXXX. Impacts to my personal credit profile. My personal credit profile reflects multiple XXXX inquiries by " Pinnacle Bank XXXX XXXX '' on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The unresolved $ XXXX guarantor-balance exposure continues to threaten my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: HI

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for potential violations of federal consumer protection laws. After disputing the alleged debts and requesting proper validation, the companies failed to provide sufficient documentation establishing my legal responsibility, including original agreements, account histories, or proof of authority to collect. Despite the lack of verification, collection activity and credit reporting may have continued. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ), including failure to validate debts and use of unfair or misleading practices, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting and inadequate investigation. Overall, these actions suggest the possible collection and reporting of unverified debts, which may indicate noncompliance with federal requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Heres a polished version you can submit to the Consumer Financial Protection Bureau : I am filing a complaint against HFD regarding repeated issues with their online payment and autopay system. On XX/XX/year>, I was charged a fee for allegedly not submitting my payment online. After contacting HFD, they confirmed the issue was caused by a problem on their end and refunded the fee. However, I was also informed that they would not refund future late payment fees again, even if the issue was caused by their system. Today, my autopayment again failed to process. I attempted multiple times to submit my payment online using several different payment methods, but none of them worked through their website or payment system. Because of this, I had to spend additional time calling customer service in order to make my payment manually. After I called, the representative was able to successfully process the payment using one of the same payment methods that had been rejected online moments earlier. This indicates the issue was not with my bank or payment method, but with HFDs online payment system. I am concerned that these recurring failures are causing consumers to incur unnecessary late fees and forcing customers to spend extra time resolving payment issues that are outside of their control. Given that HFD previously acknowledged a system issue but warned they would not continue refunding fees, I believe this conduct may be unfair and potentially designed to generate late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: FISERV FINXACT CORE
State: CO

Complaint narrative:
We are in the business of selling coins online. Our company, XXXX XXXX XXXX uses XXXX to process payments from buyers, who use credit cards to make their purchases from us. A customer disputed a payment for which XXXX charged back to our account. However, XXXX then deducted the same amount on proceeds due us, resulting in a double charge. XXXX charged back {$2500.00} to my account and then deducted the same amount from proceeds due me. Below is a summary of the accounting of the charge back history. I have included my XXXX XXXX XXXX statement for XX/XX/year>. Note that this statement contains confidential info that should not be divulged or disseminated. It has been included in order to be transparent. XXXX. XXXX XXXX {$2500.00} chargeback deduction on my bank statement that shows funds to XXXX XXXX see page 6 of attached bank statement XXXX. XXXX XXXX {$2500.00} credit from XXXX XXXX XXXX I submitted a claim challenging the charge back. XXXX XXXX XXXX determined it was fraud, {$2500.00} was credit to my account from FDIC insurance, and the claim was closed. see page 5 of bank statement attached. XXXX XXXX {$2500.00} was deducted by XXXX from funds due from the XX/XX/XXXX auction. Summary of Funds Flow XXXX Card XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX Net cash ( XXXX ) XXXX This clearly illustrates the double accounting resulting in XXXX receiving {$2500.00} TWICE. The fact that XXXX XXXX XXXX credited me as a result of the fraud claim has no impact on your Company. The net result from all this should be that I am whole due to my successful claim to XXXX XXXX XXXX and your Company receives only {$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 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter dated XX/XX/year> from Bank of America informing me they had closed my account due to one missed payment. I do not have an issue with that. What I have an issue with is that as a result they are keeping my XXXX points which were gained via purchases I made and am paying for as I continue to make payments. This is unacceptable, I earned those points fair and square and now they want to forfeit. I would like to know what legal recourse there is. They should not be allowed to take my points for one missed payment which resulted in closure of the card but then expect me to continue to pay my 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 2026-05-15 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: TX

Complaint narrative:
I was scammed in making a payment of {$2200.00} on XX/XX/2026 to XXXX XXXX XXXX. This scammed company or debt collection agency told me that they were with XXXX XXXX and at that time I was busy working that I did not think it through. I provided them with my Citibank Bestbuy XXXX to pay the above amount. Later on that day ( XX/XX/2026 ), I found out that this is a scam and I have immediately reported to Citibank to resolve this matter. I have provided Citibank Bestbuy XXXX with all available documents but they insisted this scammed payment was my responsibility since I provided the card number to the above scam company. I do not agree and I believe that I was treated unfairly by Citibank. I thought that what the Fair Credit Billing Act is for protecting consumers like myself for this kind of harrassment. On XX/XX/2026, I followed the advice from the attorney to notify the XXXX XXXX XXXX XXXX for an official report ( Case # XXXX ). Back in late XXXX of XXXX, I have also filed a complaint with both XXXX XXXX XXXX XXXX XXXX XXXXXXXX about this scammed payment. Regardless of my best efforts to assist Citibank to resolve this matter, I was blamed that it was my responsibility for the scammed payment. In the next week or XXXX, I will send my written dispute or letter again to Citibank Security Operations or Citi Resolve ( XXXX ) and Citibank Corporate Headquarters ( XXXX ) to ask for a reconsideration of this matter. Thank you for your time and assistance on this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: NOVAE LLC
State: GA

Complaint narrative:
My account is be reactivated after it been deactivated, and my credit is being ran without my approval.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
Im writing to file a complaint against XXXX XXXX for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 2026-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Multiple times suncoast federal credit union has misplaced my check. Which is wired in. I have the wire receipt of the money sent from XXXX XXXX and suncoast federal credit union for the 2nd time is saying they havent received the funds. This is fraud and now my mortgage payment hasnt gone through and will receive late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The item I received from XXXX had bed bugs, which is a health hazard. I told them I can provide photos and documentation The product was unsafe and caused ( or could cause ) harm.

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 2026-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
this is confirmed fraud charge on XX/XX/year> at {$2000.00} other card such as XXXX XXXX already refunded us in check We already charged this XXXX card at {$590.00} for now for the lack of support to charge back the {$2000.00} Pls close this issue asap and we only accept email from now on at XXXX XXXX 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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a Capital One Bank credit card on my credit account that I never opened. I have never applied for a XXXX XXXX XXXX account or signed up for a credit card. This account was opened in XX/XX/year> and was fraudulently used for XXXX dollars in XXXX and XXXX. I called Capital One Bank 's fraud office and they state they will start an investigation, but I have not heard anything on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
Subject : Complaint Against Chime for Improper Denial of Disputes and Failure to Conduct Reasonable Investigation I am filing this complaint against Chime regarding two disputes that were denied despite me providing supporting evidence and documentation requested by the bank. I believe Chime failed to conduct a reasonable investigation as required under federal consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The first dispute involved a transaction in the amount of {$2900.00} dated XX/XX/year>. After reporting the issue, Chime requested additional evidence and documentation from me, which I promptly provided. Despite supplying the requested proof, the claim was denied with the explanation that they saw no error. I do not believe my evidence was properly reviewed or investigated. The second dispute involved a transaction in the amount of {$4000.00} dated XX/XX/year> involving XXXX XXXX. Again, I provided supporting documentation and verification requested by Chime. This dispute was also denied without what appears to be a thorough investigation. Chime failed to clearly explain how they reached their decision and did not adequately address the evidence I submitted. To date, neither disputed amount has been credited back to my account. I have attempted to resolve this matter directly with Chime, but I continue to receive generic denial responses without meaningful explanation or acknowledgment of the documentation provided. I am requesting that Chime : 1. Reopen and properly investigate both disputes ; 2. Review all evidence and documentation previously submitted ; 3. Provide a detailed explanation of their findings and investigation process ; 4. Issue provisional or permanent credit for the disputed amounts if the investigations support my claims ; and 5. Ensure compliance with all applicable federal banking and consumer protection regulations. The total disputed amount is {$6900.00}. I am seeking assistance from the CFPB because I believe my disputes were unfairly denied without a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I received an email back in XXXX of XXXX stating I owed money to some apartments. The apartments are called XXXX XXXX XXXX XXXX I believe they are located in Texas. I am not sure never heard nor have I ever lived here before. I tried contacting the debt agency before and they said since its a joint account I need the other persons information I dont know who that even is since this wasnt me leasing anywhere!!! I have only leased in three places and they are all in CALIFORNIA. With no debts left behind! This is frustrating I have already disputed this and it keeps getting denied. I have paid off all my debt yet cant fix it because of this inconvenience. I never leased an apartment with someone else nor would I leave it in bed standing!

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