vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Issue : Incorrect information on credit report Company : Diversified Adjustment ( Collection Agency ) Original Creditor : XXXX-XXXX Complaint : I am disputing a collection account being reported by Diversified Adjustment on behalf of T-Mobile in the amount of {$1300.00}. This debt is not valid and not owed. I previously had an account with XXXX, which I closed many years ago and paid in full in order to transfer my services to another carrier. At the time of transfer, I was required to satisfy any outstanding balance in order to port my phone numbers. I did so, and my account was closed. After the account was closed, XXXX continued to improperly bill for services and lines that were no longer active and for which I was no longer a customer. I contacted XXXX to dispute these charges and was informed by a representative that the billing was incorrect and would be resolved in the next billing cycle. Despite this, the charges were never corrected, and I was not made aware of any ongoing issue until this collection account appeared on my credit report. This collection account is therefore the result of improper post-closure billing and inaccurate reporting, not a legitimate debt. Furthermore : -The collection agency has not provided sufficient validation of the debt -The reporting is inaccurate and misleading -Continued reporting of this account may constitute violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Additionally, the attempt to collect on charges incurred after account closure raises concerns of unjust enrichment and unclean hands, as the creditor is attempting to benefit from charges that were acknowledged as improper. Despite my request for validation, the company has failed to provide adequate documentation while continuing to report this account, which is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding unauthorized charges on my CareCredit credit card account totaling {$8400.00}. My wallet was lost or stolen, and it contained my identification and multiple credit cards, including my CareCredit card. Shortly after, fraudulent transactions totaling {$8400.00} were made using my account in the state of Florida. I reside in New York and was physically present there at the time of the transactions. I did not travel to Florida, nor did I authorize anyone to use my account. I promptly reported the fraud to Synchrony Bank and filed a claim disputing these charges. However, my claim was denied based on their assertion that the signature used matched mine. This conclusion is unreasonable and insufficient given the circumstances. If my wallet and identification were stolen, it is entirely possible that my identity was used to replicate my signature or conduct fraudulent transactions. Synchrony Bank failed to properly investigate my claim and did not take into account key facts, including : - The transactions occurred in a different state where I was not present. - My wallet, ID, and credit cards were stolen. - I did not authorize any of the charges in question. Under the Fair Credit Billing Act, I am not responsible for unauthorized charges. I believe Synchrony Bank has not fulfilled its obligation to conduct a thorough and reasonable investigation. I am requesting the following : XXXX. Immediate removal of the fraudulent charges totaling {$8400.00}. XXXX. A full reinvestigation of my claim, taking into account all relevant evidence. XXXX. Written documentation of how the investigation was conducted and how the conclusion was reached. XXXX. Correction of any negative impact these charges may have had on my credit report. I am prepared to provide supporting documentation, including proof of my location at the time of the transactions and any reports related to my stolen wallet. I respectfully request that this matter be resolved promptly. Sincerely, 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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I can't open a bank account at any bank I try to open a bank account I get denide I been trying to open a bank account for a long time now and I keep on getting the same run down they keep on saying that I am denied but I'm confused becuase I never had a bank account before but the one I have right now with XXXX Bank in XXXX XXXX Ohio so I find it hard to believe that I cant open a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Madison Auto, LLC
State: PA

Complaint narrative:
Requesting a copy of XXXX for Arra finance llc. That is charging me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NM

Complaint narrative:
I am attempting to resolve a debt currently being collected by XXXX XXXX XXXX related to a prior apartment balance of approximately {$3000.00}. In early XX/XX/year>, I contacted the company by phone multiple times to request settlement options or a payment plan, as I am actively trying to resolve this balance in order to secure housing. During these calls, I specifically requested written confirmation of any agreement before making payment. The representative I spoke with was consistently unhelpful and communicated in a hostile and dismissive manner. I was told that no written documentation, settlement terms, or confirmation would be provided unless I made a payment first. I explained that I am willing and able to make a payment immediately, but I can not responsibly do so without receiving written confirmation of the agreed terms, including the amount and how the account will be reported to credit bureaus. Despite this, the representative refused to provide any information in writing. As a result, I have been unable to move forward in resolving this debt. I believe this practice is unfair, as it pressures consumers to make payments without proper documentation or clear terms. I am requesting that XXXX XXXX XXXX provide written settlement or payment plan options and proper documentation so that I may resolve this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX U.S. Code XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for failure to validate a debt and continued reporting of unverified information. On XX/XX/year>, I sent a formal debt validation request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ) regarding an account LVNV Funding is reporting under XXXX Bank XXXX XXXX Credit Card. In my request, I specifically asked for documentation including the original signed contract, a full accounting of the debt, a breakdown of the balance, and proof of XXXX XXXX legal authority to collect the debt, including the chain of title. LVNV Funding has failed to provide any response or documentation. Despite failing to validate the debt, this account continues to be reported on my credit report. I do not believe a reasonable investigation or validation was conducted. Failure to validate a debt while continuing to report or attempt collection may constitute violations of the FDCPA and FCRA. I am requesting that LVNV Funding either : XXXX. Provide full validation of the debt, including all requested documentation, or XXXX. Immediately delete this account from all consumer reporting agencies If the account can not be properly validated, it should not be reported or collected. I am requesting that this matter be reviewed and resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had my phone stolen XX/XX/XXXX .. Citibank has failed at least 4 times to send a replacement debit card as promised. EVERY TIME I call to try to track it they cancel the previous card ordered and push it out further. This is insanity. They are horrible after 10 years of insufficient service I will move my banking. I am a small depositor and this is abuse.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check on XXXX XXXX, 2026. I was told that the bank would release some of the funds next business day. The next day when I tried to login to my account my account was restricted. I went into a branch to see what the issue was and I was told Chase had decided to close my account and that they would issue me a cashiers check for my funds on the XXXX of XXXX. That did not happen. Now Im being told they have decided to place another 10 day hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
i can not access my account. they can not remove a 2 factor authentication method that is not and has not ever been mine, they blocked access to my debit card which is new and just activated yet i am unable to access my funds. theyre preventing me from my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. An XXXX XXXX credit card account ending in XXXX, opened on XXXX XXXX, 2021, was opened without my knowledge or consent. I did not apply for, authorize, or use this account and I have no contractual relationship with this creditor. This account is being reported on my credit file with incomplete and inconsistent information, including missing payment history and unclear account status. This violates FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ), which require maximum possible accuracy and truthful reporting. I contacted the creditor directly and requested validation. I received no response and no documentation proving this account belongs to me. I have also filed an identity theft report with the Federal Trade Commission. This qualifies as an Identity Theft Report under FCRA 605B. This account is fraudulent and must not be reported under my name.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America regarding inaccurate, inconsistent, and unverified information being reported on my credit report for an account with a credit limit of {$8000.00}. I previously submitted multiple direct disputes pursuant to the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 8 ) ). In my disputes, I requested verification of the account, including documentation proving I am legally responsible for the debt, as well as clarification of the account status and complete and accurate payment history. In my initial dispute, I stated that I had no knowledge of this account and requested documentation such as a signed contract or application. Bank of America failed to provide any such documentation. In a follow-up dispute, I addressed that the account was being reported inconsistently across credit bureaus, with conflicting account statuses, payment history, and remarks. To date, Bank of America has failed to provide adequate documentation, failed to resolve the inconsistencies, and continues to report inaccurate or unverifiable information. I do not believe a reasonable investigation was conducted as required under FCRA 1681s-2 ( b ). Reporting an account with conflicting and unverifiable information is misleading and does not meet the accuracy standards required under federal law. I am requesting that Bank of America either : 1. Provide full documentation supporting the accuracy and legal validity of this account, or 2. Permanently delete this account from all consumer reporting agencies if it can not be verified as accurate and consistent I am requesting that this matter be reviewed and resolved in accordance with federal law.

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 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Council Co., L.P.A.
State: KY

Complaint narrative:
Debt collector has failed to report my current balance of {$0.00} to their client ( XXXX XXXX XXXX, resulting in inaccurate reporting to my credit report. Both companies are reporting that I owe a balance of {$520.00}. It is paid in full and attached is documentation. Please update the corrections on my report.

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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for failure to validate a debt and continued reporting of unverified information. On XX/XX/year>, I sent a formal debt validation request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ) regarding an account LVNV Funding is reporting ( Account # : XXXX ) under XXXX Bank XXXX XXXX. In my request, I specifically asked for documentation including the original signed contract, a full accounting of the debt, a breakdown of the balance, and proof of LVNV XXXX legal authority to collect the debt, including the chain of title. To date, LVNV Funding has failed to provide any response or documentation. Despite failing to validate the debt, this account continues to be reported on my credit report. I do not believe a reasonable investigation or validation was conducted. Failure to validate a debt while continuing to report or attempt collection may constitute violations of the FDCPA and FCRA. I am requesting that LVNV Funding either : XXXX. Provide full validation of the debt, including all requested documentation, or XXXX. Immediately delete this account from all consumer reporting agencies If the account can not be properly validated, it should not be reported or collected. I am requesting that this matter be reviewed and resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I was a victim of a fraudulent inducement scam. I was manipulated into sending cryptocurrency under false pretenses. I am requesting a fraud investigation and any possible recovery options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
CEASE AND DESIST / DEBT VALIDATION NOTICE Pursuant to XXXX U.S.C. XXXX et seq. ( Fair Debt Collection Practices Act ) Date : XX/XX/2026 To : National Credit Systems , Inc . XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Alleged Account Request for Validation and Cease & Desist To Whom It May Concern, I am writing in response to information appearing on my credit report regarding an alleged account you are reporting under the name : Original Creditor : XXXX XXXX XXXX Reported Balance : {$7000.00} I am formally disputing this account in its entirety. Under my rights pursuant to the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), I am requesting full validation of this alleged debt. I have no knowledge of this account, and your reporting does not include sufficient identifying information, including but not limited to a valid account number, to verify its accuracy. Request for Validation Please provide the following : A copy of the original signed agreement or contract bearing my signature Full account number and detailed account history Proof that I am legally obligated to pay this debt Documentation showing your legal authority to collect on this account Verification that the debt has not been reassigned, sold, or duplicated Complete payment history and itemization of the balance Cease and Desist Notice Pursuant to XXXX U.S.C. XXXX ( c ), you are hereby instructed to : Cease all collection activity immediately Cease reporting this account to all credit reporting agencies unless and until proper validation is provided Refrain from contacting me except to provide the requested validation or confirmation of deletion XXXX XXXX XXXX Notice Reporting an unverified or inaccurate account without proper documentation may constitute violations of : XXXX U.S.C. XXXX ( False or misleading representations ) XXXX U.S.C. XXXX ( Unfair practices ) Fair Credit Reporting Act ( FCRA XXXX U.S.C. XXXX ) If you are unable to provide the requested validation, you are required to immediately remove this account from my credit report. Failure to comply with this request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal action. Consumer Information : Name : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX I expect your written response within XXXX days of receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation