vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am writing to formally dispute the above-referenced medical collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$730.00}. This account is the result of identity theft and/or unauthorized use of my personal information, and I do not owe this debt. LACK OF PROPER NOTICE AND VALIDATION I was never properly notified nor provided validation of this alleged debt prior to your reporting it to the consumer reporting agencies. Your actions raise serious compliance concerns under : FDCPA 1692g ( a ) requirement to send a validation notice within 5 days of initial communication FDCPA 1692e ( 8 ) prohibition on reporting disputed debt without proper disclosure FCRA 1681s-2 ( a ) duty of furnishers to report accurate and complete information Because I did not receive proper validation before credit reporting, the tradeline is legally defective. IDENTITY THEFT NOTICE ( FCRA 1681c-2 ) Pursuant to 15 U.S.C. 1681c-2, I am formally asserting that this account resulted from identity theft. Upon receipt of a valid identity theft report, furnishers and consumer reporting agencies are required to block and remove such information. You are hereby placed on notice that : I did not authorize this account I did not receive the underlying medical services I dispute any contractual obligation with your company or the original provider MEDICAL PRIVACY AND ACCURACY CONCERNS As this is an alleged medical debt, your reporting must also comply with : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) reasonable investigation requirement Applicable HIPAA privacy principles

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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to file a follow-up complaint regarding continued, unlawful collection attempts by a debt buyer ( LVNV Funding LLC ) and its servicer ( Resurgent Capital Services L.P. ) . On XX/XX/XXXX, I submitted a CFPB inquiry regarding this collection account. On XX/XX/XXXX, the servicer responded to that inquiry. Instead of closing the account, they provided an " Account Summary Report '' attempting to validate the debt and stated they declined to provide a copy of a purchase and sale agreement. Their own documentation proves this debt is invalid, yet they are still attempting to collect a current balance of {$260.00} ( stemming from an alleged original charge-off amount of {$220.00} ). Their continued collection efforts violate federal law on multiple grounds : XXXX. Invalid Contract ( Lack of Capacity ) The documentation provided by the servicer states the origination date with the original telecommunications creditor ( XXXX XXXX XXXX XXXX ) was XX/XX/XXXX. I was born in XX/XX/XXXX, meaning I had just turned XXXX years old days prior to the alleged origination date. As a XXXX I lacked the legal capacity to enter into a binding contract. A contract formed with an XXXX is void by law, and I am not legally responsible for this debt. XXXX. Failure to Provide Proof of Service or Original Contract It is highly irregular and illogical to suggest an XXXX-year-old child opened a telecom/internet utility account. The servicer has failed to provide the original contract bearing my signature, nor have they provided an itemized statement showing exactly what telecommunication services were allegedly rendered to an XXXXyear-old in XXXX to justify the {$220.00} charge. XXXX. Violation of Bankruptcy Discharge Furthermore, even if this debt had been valid, I filed for bankruptcy in XXXX. Because the alleged origination date of this debt ( XX/XX/XXXX ) predates my XXXX bankruptcy filing, attempting to collect on it is a direct violation of the federal bankruptcy discharge injunction. Requested Resolution : I demand that the debt buyer and servicer immediately : Cease and desist all collection efforts regarding this account. Close this account permanently and acknowledge in writing that the debt is invalid, uncollectible, and will not be pursued further. Provide the original signed contract and an itemized bill of the alleged services provided in XXXX, or admit in writing that no such documentation exists. Ensure that this account is not sold, transferred, or reported to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
This letter serves as formal notice that I dispute the validity of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. You are hereby required to cease all collection activities until you provide proper validation of the alleged debt as required by federal law. Specifically, I request that you provide the following : XXXX. The full name and address of the original creditor ; XXXX. The complete account number with the alleged debt ; XXXX. An itemized accounting of the amount claimed, including principal, interest, fees, and other charges ; XXXX. Copies of any written agreement, contract, or instrument bearing my signature evidencing my obligation to pay ; XXXX. A copy of the assignment contract, bill of sale, or other legally binding document evidencing your authority to collect this debt, including proof that the alleged debt was legally transferred or assigned to your company ; XXXX. Documentation establishing your legal standing and capacity to collect in my state. If you are unable to provide the above documentation, you must immediately cease collection efforts and notify any credit reporting agencies to which you have furnished information that the account is disputed. Furthermore, should you report or continue to report this account to any consumer reporting agency without marking it as disputed, such action may constitute a violation of the Fair Reporting Act ( 15 U.S.C. 1681 et seq. ). Please note that I request all future communications be conducted in writing only. I expect your full compliance within the time period prescribed by law. Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This letter serves as formal notice that I dispute the validity of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. You are hereby required to cease all collection activities until you provide proper validation of the alleged debt as required by federal law. Specifically, I request that you provide the following : 1. The full name and address of the original creditor ; 2. The complete account number with the alleged debt ; 3. An itemized accounting of the amount claimed, including principal, interest, fees, and other charges ; 4. Copies of any written agreement, contract, or instrument bearing my signature evidencing my obligation to pay ; 5. A copy of the assignment contract, bill of sale, or other legally binding document evidencing your authority to collect this debt, including proof that the alleged debt was legally transferred or assigned to your company ; 6. Documentation establishing your legal standing and capacity to collect in my state. If you are unable to provide the above documentation, you must immediately cease collection efforts and notify any credit reporting agencies to which you have furnished information that the account is disputed. Furthermore, should you report or continue to report this account to any consumer reporting agency without marking it as disputed, such action may constitute a violation of the Fair Reporting Act ( 15 U.S.C. 1681 et seq. ). Please note that I request all future communications be conducted in writing only. I expect your full compliance within the time period prescribed by law. Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a Home equity line of credit with PNC bank and have a saving account also. I had transfered funds from XXXX to savings online and it showed funds transferred. same time i transferred it back to XXXX and it showed the balance updated again. I wrote a check from XXXX on XXXX XX/XX/year> to XXXX XXXX XXXX XXXX. The check was returned stating XXXX. However the funds were available in the XXXX. The county is charging us {$3700.00} as penalties and interest. The bank was saying that the check was not presented to them and I said how is the check stamped as XXXX then? Then today XXXX said that when I transferred back from savings to XXXX it takes XXXX business days to show. My question is the online showed the funds were transferred and had balance in XXXX on XXXX XX/XX/year>. The Check was presented on XXXX and XXXX XXXX again but PNC stamped XXXX. The funds were available in the XXXX account and yet the bank stamped XXXX. The Tax collectors office is charging penalties and interest of {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of a dispute involving services not rendered. On XX/XX/year>, I paid a {$30.00} deposit using my Cash App balance for a hair appointment scheduled for XX/XX/year> that was towards the service. After the payment was made, the service provider cancelled the appointment due to lack of confirmation. Because the provider cancelled the appointment, the service was never performed. I submitted a refund request through Cash App, which the provider declined. I then filed a formal dispute with Cash App and provided documentation including the cancellation notice, the declined refund notification, booking policy screenshots, and email communication confirming the appointment was cancelled. Despite clear documentation that the appointment was cancelled by the provider and that no service was rendered, Cash App denied my dispute and did not provide a meaningful explanation for the denial. I am requesting that Cash App review this matter again and issue a refund for services not rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am disputing a {$210.00} interest charge on my Apple Card. I have a consistent history of paying my balance in full via autopay since XXXX of XXXX. I made a one-time payment from a different payment account and believed my autopay settings remained unaffected. XXXX did not go through for some reason and upon learning of the autopay failure, I paid the full balance immediately upon noticing. Goldman Sachs acknowledged the circumstances but only offered a {$25.00} partial credit and stated this was the maximum adjustment. I have escalated within customer service explaining the circumstances and have been told that there will be no further credit offered. I believe the full interest should be reversed given my payment history and immediate correction and the failure of their system to withdraw funds from my fully funded checking account as per the autopay settings. I requested that Goldman Sachs investigate why the autopay failed and have received no satisfactory answer from them. I logged a complain with CFPB ( XXXX ) and have yet to receive a suitable response from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Hi, Today ( XX/XX/year> ) XXXX setup a payment plan with Midland Management Company. The terms were a {$75.00} down payment scheduled for XX/XX/year>, followed by XXXX XXXX monthly payments beginning XX/XX/year>. Shortly after confirming and setting up the plan, the company attempted to charge my card on file for the down payment, ahead of schedule and without my consent. I immediately attempted to contact the them via there secure online method, but the agent told me I'd have to call someone else. I'm already stressed enough about the debt, and felt pressured by them to make take action on my account to avoid being sued. This was after sending a financial hardship dispute on XX/XX/year>, which they brushed off. I am trying to improve my financial situation, but at this time I'm barely scrapping by as it is, even this payment plan that I setup is a stretch at the moment. So for them to attempt something like this is deeply concerning and doesn't instill trust for them to care out the rest of the plan justly. Luckily the charge was rejected and my bank isn't charging fee this time, but this could have seriously affected the my other bills and resulted in late fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought an items from a seller overseas, it was delivered damaged also I found out it's used not brand new, tried to resolve it with the seller but they stopped responding to my emails, i filed a dispute with PayPal credit on the mobile application and I called to see status, I was advised to re file a dispute again as XXXX doesn't transfer information to PayPal credit, I did filed another dispute and was dismissed because the supported documents I uploaded on the mobile app in the first dispute never transferred to PayPal credit, I called 6 times total of 5 hours duration, they didn't issue me another temporary credit for the amount I was scammed, they want me to be responsible for their internal lack of communication. Here is the case info below : XXXX XXXX Paypal credit Case XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I made a {$3000.00} payment on XX/XX/XXXX, prior to the expiration of a 3.99 % promotional APR that ended XX/XX/XXXX. This payment exceeded the remaining promotional balance, and my intent was to fully satisfy the promotion and avoid interest. Despite this timely payment, Barclays payment allocation resulted in the promotional balance expiring and interest being assessed at 25.99 %. This outcome was not clearly disclosed, and no warning was provided that the promotional balance required an exact payoff amount to avoid interest. I am requesting a review of this payment allocation and a reversal of the interest assessed, as the payment was made in good faith before the promotional expiration date. I would also like to note that this is not my first issue with promotional terms on this account, as I previously had to contact Barclays to correct promotions that were not applied as originally advertised when the account was opened.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding ongoing identity theft issues that the credit bureaus have failed to properly resolve. This is my second round of disputes with the credit bureaus concerning fraudulent collection accounts that do not belong to me. I have formally notified them that I am a victim of identity theft and requested removal of the inaccurate information. Despite providing notice and disputing these accounts, the fraudulent collections remain on my credit reports. Under the Fair Credit Reporting Act, I have the right to an accurate credit report, and the credit bureaus are required to conduct a reasonable investigation and remove unverifiable or fraudulent information. Their failure to do so is causing significant harm to my credit standing and financial well-being.I respectfully request that the CFPB investigate this matter and require the credit bureaus to : -Conduct a proper and thorough investigation of my disputes. -Block and permanently remove all fraudulent collection accounts related to this identity theft. -Provide written confirmation of the corrections made to my credit files. -I have attached copies of my prior disputes and supporting documentation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation