vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$310.00} by XXXX ( order # XXXX ) for an XXXX XXXX part that arrived damaged and unusable on XX/XX/year>. I called the merchant on XX/XX/year> at XXXX XXXX and XXXX XXXX the 5th and final business day per their own Monday-Friday schedule. The merchant denied my RMA on XX/XX/XXXX, falsely claiming I was outside the 5 business day window. I filed a chargeback with American Express ( XXXX. XXXX ). American Express ruled against me twice despite the following : ( XXXX ) The merchant 's own chargeback rebuttal document states " Customer submitted RMA Request on XX/XX/year> '' confirming I contacted them within the window they then falsely claimed I missed. ( 2 ) On XX/XX/XXXX, the merchant 's admin sent me a portal message requesting photos to proceed with the RMA after already denying it and submitting their rebuttal to Amex, proving the matter was not closed. ( 3 ) When I called on XX/XX/XXXX, the manager stated " do whatever you want, you won't get a replacement or refund. '' American Express accepted the merchant 's false representation without properly investigating, in violation of my rights under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report despite your previous investigation. I request an immediate reinvestigation of this account. These inaccuracies are severely damaging my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsections A-D, please provide the names and business addresses of each individual with whom you verified this information, so that I may follow up. Please also forward me an updated credit report after you complete the reinvestigation and make the necessary corrections. Your cooperation and prompt attention are greatly appreciated. XXXX bank 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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I opened a transaction dispute with Chime on XX/XX/year> For {$140.00}. It has been XXXX days. Chime has failed to provide any written updates, notifications, or required provisional credit, violating my consumer rights under Regulation XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Complaint Against National Credit Systems Inaccurate and Inconsistent Debt Reporting I am disputing the accuracy and validity of a debt being reported by National Credit Systems ( NCS ) related to a former apartment account with Serenity Place Apartments in XXXX, Texas. Originally, this account was reported to the credit bureaus with a balance of approximately {$580.00}. After I disputed the accuracy of the amount and requested verification, the balance suddenly changed to {$1600.00} without any written explanation of how the amount was calculated or why the reported balance increased. The account records I received contain inconsistent information. XXXX statement shows a total balance of {$1600.00}, while another document submitted to collections reflects {$580.00}. I requested clarification and supporting documentation to understand the discrepancy, including an itemized breakdown, invoices, receipts, and proof of liability for the charges. Additionally, National Credit Systems responded to my dispute as if I had submitted an " identity theft claim '', even though I never claimed identity theft or fraud. I clarified in writing that my dispute concerns the accuracy and amount of the debt, not account ownership. I am specifically disputing : The sudden unexplained increase from {$580.00} to {$1600.00} Lack of sufficient documentation supporting charges Inconsistent reporting of charges across documents A lump sum cleaning charge without adequate itemization The failure to provide a clear accounting showing how the balance was determined I am requesting : XXXX. A complete and accurate itemization of the debt XXXX. Supporting documentation for all charges, including invoices or receipts XXXX. A written explanation of why the balance changed after my dispute XXXX. Correction or removal of inaccurate reporting if the debt can not be properly verified I am seeking a fair resolution and accurate reporting of this account. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I lost my current XXXX XXXX card at the XXXX XXXX XXXX where I was volunteering. I saw that there were multiple charges over {$100.00} made inside and outside of the fair. I have paused my card and Im working with my bank on disputing it. I did not authorize any of these charges and I still can not find my card and I have asked the fair to look around, but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
In early XXXX, a collection account from Waypoint Resource Group appeared on my credit report. I have never received any bills, notices, or validation from Waypoint or the original creditor explaining what this debt is for.The account shows a balance of $ XXXX ( enter the amount shown ), but I have never been contacted by Waypoint before they placed this on my credit report. I did not receive any written validation notice within five days of their first alleged contact, as required by the FDCPA.I disputed the account through XXXX XXXX and the credit bureaus beginning in XX/XX/year>. Despite these disputes, Waypoint has not provided any documentation showing that : I opened the original account I authorized any charges I owe the amount they are reporting They have the legal right to collect on this debtThe account remains on my credit report without verification, and it is negatively affecting my credit.I am requesting that Waypoint Resource Group provide full validation of the alleged debt, including proof of account ownership, service usage, and assignment of the debt. If they can not validate the debt, I am requesting that the account be removed from all credit bureaus immediately.

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 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I submitted a formal Request for Information ( RFI ) and Notice of Error ( NOE ) dated XXXX to RoundPoint Mortgage Servicing regarding the handling and calculation of insurance proceeds related to wildfire damage repairs for my California property. The insurance proceeds submitted to RoundPoint totaled approximately {$690000.00}. I requested a detailed explanation of how RoundPoint calculated the initial disbursement of insurance proceeds, including the exact unpaid principal balance, accrued interest, servicing advances, and any other figures used to determine whether additional funds should be released. I also requested an explanation of why additional insurance proceeds received after the initial disbursement did not trigger recalculation of releasable funds under RoundPoints own stated policy, a current accounting of all insurance proceeds being held, and clarification regarding compliance with California XXXX XXXX, including the interest rate being paid on held insurance proceeds. RoundPoint issued a formal response letter dated XX/XX/year>. However, the response did not provide the requested accounting, calculations, payoff figures, accrued interest figures, servicing advances figures, or a substantive explanation supporting its determination that no additional funds were releasable. The response also did not directly answer whether the additional insurance proceeds received after the initial disbursement triggered recalculation under RoundPoints stated policy. During a subsequent recorded phone call, a RoundPoint representative who stated he was authorized to discuss these issues stated that the matters raised in the XXXX were still under review and that the requested answers were still pending despite the formal response letter already having been issued. Additionally, XXXX acceptance records indicate the substantive response XXXX not have been mailed until after the applicable RESPA response deadline. I do not believe XXXX provided a complete substantive response to my XXXX XXXX XXXX explained the basis for withholding the remaining insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC Reported : XX/XX/year> My emails/ information has been involved in over XXXX data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Subject : Failure to Properly Investigate Billing Dispute Request for Refund of {$2500.00} Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Synchrony Banks failure to properly investigate and resolve a billing dispute involving my account. I previously filed a complaint in XX/XX/year>, concerning {$2500.00} in disputed charges, which I believe were improperly assessed and for which I was not adequately notified. However, Synchrony Bank failed to address the substance of my complaint. Instead of reviewing or responding to the disputed amount, the company issued a {$1.00} credit related to paper billing, which is unrelated to my primary concern. They then considered the matter resolved. This action does not reflect a meaningful investigation or response to the actual dispute I raised. Specifically : Synchrony Bank did not investigate or explain the {$2500.00} in charges I did not receive proper notification or documentation supporting these charges The response provided was incomplete and dismissive of my request for a refund There is no evidence that my dispute was reviewed in accordance with applicable consumer protection laws I believe this constitutes a failure to properly investigate a billing dispute, and may involve unfair or deceptive practices. I am requesting : A full investigation into the disputed charges totaling {$2500.00} Complete documentation showing how these charges were calculated and justified A determination of whether these charges were properly applied A full refund of any improperly assessed charges Additionally, I request that Synchrony Bank be required to demonstrate that it complied with all applicable regulations regarding dispute investigation and consumer notification. This issue remains unresolved, and the companys prior response did not address the core of my complaint. Also I sent them a certified letter with documentation to Synchrony Bank and they have never responded to my concern that I was never provided documentation of the promotional ending so I could pay the balance. I am a senior citizen and this is a hardship and this is XXXX by Synchrony Bank. Thank you for your attention to this 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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable debt reporting by this collection agency. I disputed the alleged debt and requested validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I specifically requested documentation proving : - I entered into a contractual agreement - The amount being claimed is accurate - The collector has legal authority to collect - The debt belongs to me The company failed to provide sufficient evidence bearing my signature or otherwise proving legal responsibility for this alleged debt. Despite this failure, the company continues furnishing negative information to the consumer reporting agencies. Merely responding that the account was verified is not sufficient validation. If the company can not provide competent evidence that I am legally responsible for this debt, it should no longer be reported or collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Beginning in XX/XX/scrub> 2025, my business was victimized by an impersonation fraud scheme. A fraudulent third party made multiple unauthorized charges to my business credit card by impersonating XXXX ( XXXX ). The fraudulent charges appeared as " XXXX '' transactions with random alphanumeric codes, each approximatelyXX/XX/XXXXXXXX {$87.00}, with multiple charges hitting on the same day. Every fraudulent charge also triggered an international transaction fee of approximately {$2.00}, proving the transactions were processed outside the United States. The fraud continued through at least XX/XX/scrub> 2025. The fraud was particularly sophisticated and difficult to detect because our business had a separate legitimate XXXX advertising account being charged to a different business card at the same time. When our accounting team saw XXXX charges appearing simultaneously on a XX/XX/XXXX card, they assumed it was also a legitimate business expense. We were deliberately deceived by a fraudulent entity impersonating XXXX. Bank of America initially recognized this as fraud and issued provisional credits reversing the unauthorized charges. However, Bank of America then reversed those credits and denied my dispute, effectively reversing their own fraud determination and leaving me responsible for charges that Bank of America itself had originally recognized as fraudulent. I have disputed these chargesXX/XX/XXXX and been denied both times. Over the pastXX/XX/XXXX months Bank of America has mishandled this dispute in the following ways : different representatives gave us conflicting information about what documentation was required ; multiple representatives promised to call us back and never did ; Bank of America consistently failed to provide written documentation of dispute decisions ; and we were repeatedly forced to call in ourselves to follow up after waiting extended periods with no communication. The bank has continuously delayed and obstructed resolution of this dispute rather than handling it in good faith. I have provided extensive documentation multiple times including records of our legitimate XXXX advertising charges as requested. Despite full cooperation and despite Bank of America 's own initial determination that this was fraud, my dispute has been denied XX/XX/XXXX without adequate written explanation. I am requesting the CFPB require Bank of America to reverse all unauthorized charges and associated international transaction fees, provide full written documentation of all dispute decisions including the reason for reversing their own initial fraud determination, and conduct a formal review of how this dispute has been handled.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My accounts with XXXX were suddenly blocked and/or restricted without a clear explanation. I attempted to contact customer service, compliance departments, and account review teams more than XXXX times seeking clarification and resolution, but I did not receive meaningful responses. I repeatedly requested : * The reason my accounts were blocked or closed * Whether the issue involved identity verification, fraud prevention, XXXX review, or another compliance concern * Instructions regarding what documentation or corrective actions were required to resolve the matter Despite my good-faith efforts and willingness to cooperate, the companies failed to provide a meaningful explanation or a reasonable process to resolve the issue. I offered to provide identity verification documents including : * XXXX Passport * Drivers License * Employment/Contractor Identification * Proof of Address These restrictions have interfered with my ability to conduct legitimate personal financial transactions and have caused serious concern regarding whether inaccurate fraud or risk-related information XXXX be improperly associated with my identity. I am requesting : XXXX. A formal manual review of my accounts XXXX. A written explanation regarding the restrictions or closures XXXX. A reasonable opportunity to resolve or cure any alleged concerns XXXX. Reinstatement of my accounts if appropriate following verification Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : [ XXXX ] ( XXXX : XXXX ) Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A TD Auto Finance auto loan ( account opened XX/XX/XXXX, XXXXmonth term ) was fraudulently opened in my name without my knowledge or consent. I never applied for, authorized, or signed any documentation for this loan. I was unaware this account existed until reviewing my credit report. The account has since been charged off and is reporting a balance of {$1800.00} as a collection/chargeoff across all XXXX credit bureaus causing severe damage to my credit profile. I filed XXXX FTC Identity Theft Reports ( # XXXX and # XXXX ) on XX/XX/XXXX and submitted a formal FCRA Section 605B Identity Theft Block Packet to all XXXX credit bureaus via certified mail on the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX, MA XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It XXXX Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full account number associated with the alleged debt XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including all charges, fees, and interest XXXX. Proof that your company is authorized to collect in my state XXXX. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX 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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
An XXXXXXXX XXXX XXXX XXXX installment loan ( account opened XX/XX/XXXX, XXXXmonth term ) was fraudulently opened in my name without my knowledge or consent. I never applied for, authorized, or signed any documentation for this loan. I was unaware this account existed until reviewing my credit report. The account currently carries a balance of {$3200.00} and is reporting as delinquent across all XXXX credit bureaus causing severe and ongoing damage to my credit profile. This account is still open and actively updating on my credit report every month. I filed XXXX FTC Identity Theft Reports ( # XXXX and # XXXX ) on XX/XX/XXXX and submitted a formal FCRA Section 605B Identity Theft Block Packet to all XXXX credit bureaus via certified mail on the same date.

Company response to consumer: Closed with explanation