vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express gift card for {$150.00} but I am unable to use it with businesses that use XXXX for payment. I confirmed on the Amex website that the balance is still {$150.00}, but when I try to add it as a payment method, it says error. After reading online about this, it seems that it's being declined because I'm forced to add a billing address but there isn't a billing address associated with a gift card. I am frustrated as this really limits where I can use this card, which is supposed to operate like a credit card and work wherever American Express is accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/year>, an unauthorized debit card transaction for {$100.00} was made to XXXX XXXX. The transaction posted on XX/XX/year>. I did not authorize this transaction and have never used XXXX XXXX services. On XX/XX/XXXX, I received a fraud alert text asking if I authorized the transaction. I responded No, indicating it was unauthorized. I immediately froze and later cancelled my debit card. I contacted SoFi on both XX/XX/XXXX and XX/XX/XXXX to dispute the charge, but was told the dispute could not be processed until the transaction posted. After the transaction posted, I filed a formal dispute. The dispute was later denied, with the explanation referencing general account activity ( small legitimate XXXX purchases under {$6.00} ), funding activity, and XXXX verification. No evidence was provided showing that I personally authorized the {$100.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I received a {$500.00} Vanilla XXXX gift card as a gift. The card was activated on the Vanilla XXXX website. I attempted to use the card for a {$500.00} purchase on XX/XX/year>. The merchant attempted to process the card twice, and the card was denied. I attempted to use the card on XXXX for a {$78.00} purchase on XX/XX/year>, but it was denied. I attempted to use the card for a {$13.00} purchase at a local grocery store on XX/XX/year>, but it was denied. I followed all of the steps to get the card properly activated on the Vanillagift.com website. On XX/XX/year>, I called the phone number on the back of the gift card, XXXX, and spoke to a customer care representative named XXXX. She would not offer me a replacement card, despite the website clearly stating that one can be provided. Instead, she insisted that I keep using the card for both online and in-store purchases. She confirmed that the balance on the card is {$500.00} but offered no assistance with redeeming the card 's value, other than telling me to " keep trying to use it ''. I explained my multiple attempts to use the card and she offered no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me mental stress and anxiety.

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 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: AR

Complaint narrative:
I am formally disputing a medical debt ( Account number masked on credit report. ( XXXX XXXX XXXX ) Debt listed under Avante USA for {$1500.00}, originally from XXXX XXXX XXXX XXXX. XXXX XXXX ) for services on XX/XX/XXXX. This reporting violates both federal and state consumer protections for the following reasons : Failure to Provide Notice ( FDCPA Violation ) : I never received the required 30-day debt validation notice. The hospital and collector mailed all billing and legal correspondence to an address I have not resided at for years. I have maintained a legally updated state ID/driver 's license during this entire period, and the creditor failed to make " reasonable efforts '' to locate my current address ( XXXX XXXX XXXX XXXX # XXXX, XXXX, AR XXXX ) before taking the extraordinary collection action of reporting to my credit. Violation of IRS 501 ( r ) Guidelines : WaXXXX XXXX XXXX XXXX is a non-profit entity. Under federal law, they must notify patients of their Financial Assistance Policy ( FAP ) before reporting to credit bureaus. By mailing notices to an invalid address despite my information being updated, they denied me my legal right to apply for XXXX XXXX. I am currently a low-income, XXXX XXXX XXXX XXXX XXXX XXXX ; had I received proper notice, I would have qualified for a 100 % discount and or made arrangements, but I have been completely blindsided. Furthermore, this debt was only added to my credit report in XXXX, despite the service date being XX/XX/XXXX. This reporting occurred only after the Arkansas Statute of Limitations for medical debt ( AR Code 16-56-106 ) had already expired in XX/XX/XXXX. Reporting a time-barred debt that I was never properly notified of, denying me my federal right to XXXX XXXX , is a bad-faith collection practice. At this time, I have no attachments or previous correspondence to provide or reference. I have received nothing in the mail, nor have I been contacted via phone or email regarding this matter. I only became aware of this alleged debt when I reviewed my credit report. I am ready to provide proof of my XXXX and student status once the proper application channels are opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> XXXX sales were made without my permission. XXXX XXXX # XXXX {$240.00} XXXX XXXX Tn XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Tn XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Tn. I was not in XXXX Tn at any of these times my card was used without my permission. I physically had my card with me the whole time these transactions were taking place. On finding out I immediately contacted XXXX to report and cancel my card. They have since denied my claim and I am unable to find out why or have any direct communication with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have a credit card with U.S. Bank and recently they increased the rate too much and made my payment increased from {$210.00} a month to {$450.00} monthly which is double the number, i can not pay this amount every month, tried t o understand what is the reason of the big increase but the rate its too high compare to another credit card companies, now its % XXXX which is too much

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 2026-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have attempted to communicate with the services 2 times. On XX/XX/XXXX ( email ) and XX/XX/XXXX ( certified mail ), I submitted a Qualified Written Request ( QWR ) under RESPA requesting complete loan documentation and notice history dating back to XX/XX/XXXX. No response.

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 2026-05-04 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 am filing a complaint regarding Citibanks handling of a legitimate credit card dispute involving a charge from XXXX XXXX. The membership associated with this charge was canceled within XXXX hours of enrollment, and cancellation was explicitly confirmed by the gyms XXXX via both text message and voicemail. Despite this confirmed cancellation, the merchant proceeded to charge my account. This constitutes billing after termination of agreement and services not rendered. I disputed the charge with Citibank and provided evidence of cancellation, including written confirmation and recorded voicemail from the merchants XXXX. However, Citibank denied the dispute without properly addressing or evaluating this evidence. This decision appears inconsistent with applicable dispute resolution standards under the Fair Credit Billing Act, which protects consumers from charges for services not rendered or unauthorized billing after cancellation. Key facts : Membership canceled within XXXX hours Cancellation confirmed by merchants XXXX ( text and voicemail ) Charge posted after confirmed cancellation Evidence was provided to Citibank but not properly considered Requested resolution : Reversal of the charge Confirmation that the dispute has been properly reviewed with all submitted evidence Citibanks failure to appropriately investigate and resolve this dispute has resulted in financial harm and unnecessary burden. I am requesting regulatory review and assistance in resolving 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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for an XXXX XXXX credit card issued by Comenity Capital Bank to finance a cosmetic procedure totaling approximately {$3100.00}. At the time of application, I was enrolled in an 18-month promotional plan. The terms of this promotional plan were not clearly explained to me at the point of sale. I was not told verbally or in any prominent written disclosure that this was a " deferred interest '' plan, meaning that if the full balance was not paid before the promotional period expired on XX/XX/XXXX, all of the interest that had been silently accruing from the date of purchase would be retroactively charged to my account in full. I made consistent monthly payments for nearly a year in good faith, believing I was paying down my balance. When the promotional period expired, I discovered that my balance had barely decreased despite my payments, and that {$3500.00} in retroactive deferred interest was applied to my account. My balance ballooned to over {$3800.00}, more than the original purchase amount, despite months of on-time payments. I contacted Comenity 's customer service to dispute this and request assistance. The representative I spoke with was unhelpful and offered no resolution, no adjustment, and no explanation of alternatives. I was given no option to set up a manageable repayment plan that accounted for the deferred interest issue. As a result of the deferred interest being applied without adequate initial disclosure, the accumulation of {$270.00} in fees and {$870.00} in interest charges during XXXX alone, and the refusal of customer service to assist me, I was unable to continue payments. The account defaulted in XX/XX/XXXX, was charged off in XX/XX/XXXX, and has since been sold to a third-party debt collector which is now threatening legal action. I believe Comenity Capital Bank failed to comply with the Truth in Lending Act requirements for clear and conspicuous disclosure of deferred interest promotional terms at the point of sale. The consequences of the deferred interest plan were not adequately communicated, and I was misled into believing I was making meaningful progress on my balance when in fact interest was accruing silently the entire time. I am requesting that Comenity Capital Bank review the original promotional disclosures provided at the time of my application, remove or substantially reduce the retroactive deferred interest charges that were applied after the promotional period expired, recall this account from the collection agency and work with me directly on a fair resolution, and ensure that no negative credit reporting results from this dispute while the complaint is under review. I attempted to resolve this directly with Comenity by phone before the account defaulted and was denied any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American XXXX opened a complaint in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing a complaint regarding Synchrony Bank/CareCredits repeated denial of my dispute for trichology services totaling {$1900.00} ( with {$300.00} refunded ; {$1600.00} remaining ). At the time of purchase, the provider explicitly represented herself as XXXX XXXX. This credential directly influenced my decision to proceed with and pay for the services. Prior to my appointment, I viewed multiple XXXX XXXX where she clearly stated she was XXXX XXXX. I am also providing an email in which she represented herself as XXXX XXXX. After receiving the service, I filed a complaint with the certifying board and received written confirmation that the provider was not certified and had been falsely using their credentials in her advertising, including on XXXX and her website. I am also providing a link to the certifying boards official website, which includes a directory of certified providers. The provider does not appear in this directory, which serves as independently verifiable evidence that she did not hold the certification she claimed at the time services were marketed and performed. Certified provider directory : XXXX XXXX XXXX Additionally, I am including a more recent video where she continues to claim XXXX certification ( timestamp XXXX ), demonstrating that this misrepresentation is ongoing and not an isolated incident. I discontinued further services due to discomfort during the experience ( which resulted in a partial refund ) ; however, my dispute is based specifically on misrepresentation. I would not have agreed to or paid for these services had I known she was not certified at the time they were rendered. I submitted clear documentation supporting these facts, yet Synchrony denied my dispute without adequately addressing the evidence of false representation. This matter involves services obtained through material misrepresentation. I am requesting that Synchrony conduct a proper and thorough review of the evidence and issue a refund of {$1600.00}. Synchronys handling of this dispute raises concerns about whether a reasonable investigation was conducted in accordance with obligations under federal fair billing laws. The evidence provided demonstrates misrepresentation, yet this was not meaningfully addressed in their denial. I respectfully request a thorough review to ensure compliance with applicable billing dispute requirements and that appropriate corrective action is taken. Supporting evidence : XXXX XXXX ( 1 ) : XXXX XXXX XXXX XXXX XXXX ( 2 ) : XXXX : XXXX XXXX XXXX ( recent claim ) : XXXX XXXX XXXX ( timestamp 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 2026-05-04 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: SD

Complaint narrative:
I placed a clothing order ( 15 items ) online from a company called XXXXXXXX XXXX on XX/XX/year>. My total including the discount was {$420.00}. I used my Bank of America debit card for the purchase. I've included screen shots of the order. ( * Order pages 1-4 screenshots * ) XXXXXXXX XXXX states on their website that they ship orders within 3-5 business days. After not receiving a shipping email after five business days, I emailed the company to get an order update. ( * Email 1 screenshot ) I received an email on XX/XX/year> stating that four of my items were shipped. The tracking number on the email was : XXXX. The purchase price for the four items including the discount was {$100.00}. ( * First shipping page 1 and 2 screenshots ) At this point, I had not received package # 1. I got another shipping email on XX/XX/year> stating that the rest of my order shipped. The tracking number listed was identical to the first shipment. ( * Second shipping page 1 Screenshot ) On XX/XX/year> ( 18 days after the first shipment email was sent ) I received one package containing four items. At that same time, I received another email with the remaining items from the second shipping saying that was delivered as well. Which would have only been 9 days from the XX/XX/year> shipping date. I found that strange considering the first shipment took 18 days to get to me. That's when I noticed the same tracking number for both packages. I never received a second package. ( * Shows same tracking number for both packages screenshot ) I submitted a claim to Bank of America. They received information from XXXX showing that the order was legit and delivered. I never said I didn't place the order, I just didn't receive the entire order. Bank of America declined my claim. I contacted the company on XX/XX/XXXX via email. I have yet to receive a response. That's when I investigated this issue and came across this website, hoping to get my money back for the items I never received. I also read that this is a common scam when dealing with overseas companies. My case with Bank of America says it completed and I never received a credit. Thank you for your assistance.

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