vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I was granted a discharge for student loans I took out while attending XXXX XXXX XXXX. After that discharge, I was later informed that the school was attempting to collect an alleged balance, including debt dating back to XXXX and recent charges that I believe should have been removed or discharged from my account. To my knowledge, XXXX XXXX XXXX did not attempt to place this account with a collection agency or report it for collection until after I received the student loan discharge in XX/XX/XXXX. I dispute that this balance is valid, owed, or legally reportable. I believe the school is attempting to collect on a debt that was either discharged, improperly reclassified, or otherwise not owed. Because the school and/or its collection agency are attempting to collect and potentially report disputed debt to the credit bureaus, I believe these actions may violate federal credit reporting laws, including the requirement that any information furnished to consumer reporting agencies be complete, accurate, and properly investigated once disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Beginning on or around XX/XX/2026, I began receiving repeated collection-related phone calls associated with GoodLeap from numerous different telephone numbers, many of which appeared designed to mimic or rotate area codes in an effort to increase the likelihood that I would answer. My personal phone number uses a XXXX area code. During this period, I received multiple calls from various XXXX numbers, including but not limited to : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX In addition to the XXXX numbers, I also received repeated calls from numerous other numbers and area codes, including : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX These calls occurred repeatedly, including multiple calls within the same day, over a payment that was only minimally late and was ultimately paid in full. The volume, frequency, and use of numerous rotating phone numbers created an experience that felt excessive, intrusive, and harassing. As a consumer, I should not have to block an extensive list of phone numbers simply because a payment was a few days overdue. I believe these communication practices reflect extremely poor customer service and potentially raise concerns regarding unfair or harassing collection conduct. I am requesting that this complaint be formally documented and reviewed internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a {$3500.00} payment was incorrectly made to the wrong personal loan ( ending in XXXX ) which had already been paid in full several years prior. I called customer service on XX/XX/XXXX and was told that the payment would be debited the incorrect payment account ( ending in XXXX ) and credited the correct payment account ( ending in XXXX ) within XXXX business days and a payment refund check would NOT be issued. I then received a secure message online stating that a refund check had been issued ( the check was sent to an outdated address and never received by me ). I received an email on XX/XX/XXXX stating that the refund check was undeliverable/returned to AMEX. The online account profile now shows XXXX separate debits of {$3500.00} for account ending in XXXX and a balance due of {$3500.00}. I contacted customer service again XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request escalated review and resolution. The agents verified that they were aware that the {$3500.00} payment refund check had been returned to them and that the outstanding balance shown was inaccurate and false. I was told by all three agents that a supervisor would review and contact me within XXXX days to assist with the resolution. To date, I have not received a call back and the matter remains unresolved. On XX/XX/XXXX I received a secure message that the previously referenced check was canceled and a credit would be issued to the account, yet no said credit has been posted. WITHOUT IMMEDIATE RESOLUTION, INTEREST WILL UNFAIRLY ACCRUE AND INACCURATE CREDIT BUREAU REPORTING WILL OCCUR. American Express personal loans has failed to handle the matter promptly, failed to resolve the matter as promised, and refused to fulfill promises of proper customer care and follow up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have two accounts with Synchrony. Account XXXX and XXXX, I have been charged more than {$260.00} in late charges for each account. I wanted to see about Synchrony removing al late payments. If they do i will pay off the balances and bring accounts current. I was out of work for a while and that caused me an issue.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am submitting this complaint because I recently discovered a collection account from LVNV Funding in the amount of {$460.00} now being reported on my credit report through Equifax and TransUnion. This account does not belong to me, and I am extremely concerned about how it suddenly appeared without any proper validation or notification. What makes this even more troubling is that this account is not being reported consistently across all three credit bureaus, which raises serious questions about its accuracy and legitimacy. If this were a valid debt, it should be reported accurately and consistently, yet that is not the case here. This situation has caused me a lot of stress because my credit is extremely important to me, and seeing false information being reported makes me feel like my rights as a consumer are being completely disregarded. I have not been provided with any documentation proving that : This debt belongs to me LVNV Funding has the legal right to collect on this alleged debt They even have the right to be reporting this on my credit file Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and proper validation of any debt. Right now, this account appears to be unverified, inaccurate, and misleading, which is a direct violation of those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
The Incident : On XX/XX/year>, I received a phone call from individuals claiming to be representatives from the U.S. Bank Fraud Department. The callers spoofed the bank 's official number and used high-pressure tactics to convince me that my account was at risk. They asked if I had authorized a {$48.00} transaction from a XXXX in XXXX XXXX, California ( I live in Ohio and have never been to California ). Through this fraudulent inducement, I was tricked into providing my PIN to what I believed was a legitimate bank security official. The Fraud : Approximately a minute later, at XXXX XXXX, I received a notification from my banking app that an unauthorized ATM withdrawal via a cash advance from my savings account had occurred. I was in physical possession of my debit card at my home at the time of the withdrawal, meaning the perpetrator used a cloned card or digital bypass to access the funds. My Actions : I contacted U.S. Bank immediatelywithin 5 minutes of the withdrawalto report the unauthorized transfer and my card as compromised. I have since requested that the bank investigate this. The Company 's Actions & My Dispute : U.S. Bank initially denied my claim, stating the transaction was authorized. Regulation E ( 12 CFR 1005.6 ) states that consumer negligence ( such as being deceived by an impersonator ) can not be used to deny a claim for an unauthorized electronic fund transfer. Because the PIN was obtained through fraudulent inducement and impersonation, the transfer was not authorized by me. The 5-minute reporting window and my physical possession of the card make it a physical impossibility for me to have authorized or conducted this withdrawal.

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 2026-05-12 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
The credit card I have with them has reward points earned with purchases. I was using the card and reward points more frequently when our children were younger because we were leasing XXXX every 2-3 years. I've kept the card and the reward points because I knew I would at some point use the reward points again to lease or purchase a XXXX product. I didn't opt to convert the points to gift cards, which is an option simply because the points are doubled when used in the dealership, making them more valuable for in dealership purchases. I'm now getting ready to lease a new XXXX vehicle and when I went to use my points, I see there are roughly XXXX fewer points than I previously had. At the company 's suggestion, I signed up years ago for paperless billing. I also have the card set to automatic payments. Since both of things are in place, I track my purchases through real time purchase text messages and email automatic payment confirmations and my phone app. What I didn't realize is that they were secretly deducting points over the last several months. They did not send any notifications of expiring points. They used to send a monthly statement telling us how many points we had available however they stopped doing that. I did look back at those old monthly notifications I had saved and nowhere on there does it say anything about points expiring or upcoming expiring points. I called the company and asked why they weren't informing their customers that the points would expire. She wouldn't directly answer the question but instead said I could login into my account online and find the information on that. She said when I opened the card the information I received should have stated there was an expiration date. I've looked back through the paperwork in my file and can find nothing that states there is an expiration date on the points. All of this seems sneaky and certainly not customer focused. My experience with most companies that have programs with expiring points is that they let their customers know to use the points before they expire. I get reminders from many companies, including even getting reminders from XXXX on expiring reward points, but not from this card. In my scenario, that is roughly {$700.00} in in-dealership money I could have used towards my new lease. Had I been alerted of these expiring points, I could have at a minimum used them towards a gift card or statement credit, certainly not just let them expire.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting 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 agencies failed to provide sufficient documentation proving I am legally responsible for the accounts, such as original agreements, account records, proof of ownership, or authorization to collect. Despite the lack of verification, collection activity and credit reporting may have continued, raising concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including failure to properly validate debts and reporting potentially inaccurate information. Overall, these actions suggest attempts to collect unverified debts and possible noncompliance with federal consumer reporting and debt collection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I got a class action settlement check for {$840.00}. I opened a Hunington Bank checking account because the check w is from that bank. I mobile deposited on Friday XX/XX/XXXX and received a confirmation number XXXX and receipt. It says accepted. I was supposed to have received the money by now so I contacted the company and was told they do not see the check deposit. I was first told from a live chat agent to resubmit the check. I received an error duplicate message. I called and was told the check isn't appearing and they can not help. My receipt says its already been accepted so I dont want to submit the check elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I entered into a hardship/payment arrangement with Chase after experiencing temporary financial hardship. I agreed to and complied with the payment terms provided by Chase. During the enrollment process on XX/XX/XXXX, I was under the impression that participating in the arrangement would help protect my account from additional negative reporting while I made the agreed payments. Despite complying with the arrangement, Chase reported late payments to the credit bureaus, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX negatively impacting my credit profile. I am requesting that Chase review the account history, investigate whether the reporting was accurate under the terms of the hardship arrangement, and remove or correct the late payment reporting as a goodwill adjustment or reporting correction. I attempted to resolve this directly with Chase but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: FL

Complaint narrative:
XX/XX/year> Sent via Certified Mail XXXX : LVNV Funding XXXX. XXXX XXXX XXXX, SC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Debt Validation Request Under FDCPA 809 ( b ) To Whom It May Concern, I am requesting full validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : XXXX. Original signed agreement XXXX. Full itemized account history XXXX. Proof of assignment/ownership XXXX. Date of first delinquency XXXX. Proof you are licensed to collect in my state XXXX. Documentation proving permissible reporting to credit bureaus Until validation is provided, you must cease collection activity and cease reporting this account. Failure to validate yet continuing to report may constitute violations of : FDCPA FCRA 623 ( a ) FCRA 611 If you can not validate the debt, delete the account from all consumer reporting agencies immediately. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I have tried calling and chatting with them online to gain access to view my personal loan through Citibank and they just kept transferring me over and over. Not a single person was able to help and no one seemed to know what they are doing. I have every right to view my loan online and they won't give me access. I have never witnessed such atrocious customer service before in my life. It is still unresolved. They purposely make it impossible to get an answer and have you transferred 12 times to break you down and let it go. These practices are malicious.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western Management Consultants
State: NY

Complaint narrative:
I keep receiving unsolicited emails about a XXXX account. They reached out the multiple times and each time I told them that I'm XXXX XXXX, it's not my debt and that I will not tolerate this harassment. I have no intention on paying this that that is not mine and I will be finally complaint with the New York attorney general 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: IN

Complaint narrative:
I directly disputed this account with Leafy Financial LLC via certified mail on XX/XX/year> and requested debt validation, payment history, and documentation proving authority to collect and report the debt. No meaningful response or validation was provided while the account continues reporting monthly to the credit bureaus. I also disputed the account with the credit bureaus and attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent an international money transfer of {$350.00} XXXX ( XXXX {$6000.00} ) to a XXXX XXXX account in XXXX. The receipt stated the funds would be available by XX/XX/year>. As of today, XX/XX/year>, the recipient has not received the funds. I contacted Taptap Send via live chat and email multiple times. The company keeps stating the transfer was successfully delivered but has refused to provide the XXXX XXXX XXXX XXXX ( XXXX/reference number ), which is the tracking number required by XXXX to locate the funds on their end. Without this number, XXXX can not trace or confirm receipt of the transfer. The company has sent repetitive copy-paste responses ignoring my specific request for the XXXX XXXX XXXX XXXX. They have instead requested a bank statement from the recipient, which is unnecessary if the XXXX XXXX XXXX is provided as it should be. The money was not available by the promised date, the company refuses to provide the required tracking information, and the recipient has still not received the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> I was in XXXX TX on vacation at a restaurant I then swiped my card at the restaurant an all my funds have been gone since from a cashapp security hold or investigation my cashapp is $ XXXX an I am missing over XXXX dollars that I have had accumulated over time with my job an my side clothing business years of saving

Company response to consumer: Closed with explanation