vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX XXXX representative came to my house and asked if I was interested in switching from the company I was using, XXXX XXXX XXXX to XXXX. I told him what he could offer me. He said he could add cameras and a motion sensor with light if I agreed to switch. I told him that I was interested. He then told me what equipment he would add and also the amount I was going to pay for the monitoring service. I said if he can agree to the amount I asked I would go ahead and switch from my current provider to XXXX. He said he would agree. I then asked him if there was a charge for the equipment he said no. I said that if that was the case I would go ahead and switch to XXXX. He then went ahead and signed me up. He asked for a bank account number so the monitoring service could be charged. I gave him my debit card number. He then asked for my social security number so he can run a credit check. I agreed and gave him my social security number. He said that XXXX is the agency they use to run credit checks. I said fine. To my surprise a credit card was opened in my name and was charged {$1800.00} As I found it a card was opened in my name i called the credit card company to see who charged it and what was charged to the credit card. The representative stated that XXXX XXXX charged the card on XX/XX/XXXX for equipment. On XX/XX/XXXX i called both XXXX and XXXX to complain about the fraudulent charges charged to the credit card in my name. Unfortunately neither couldn't help resolve this matter. And to top it off a XXXX sales rep came to my house today asking if I'D be interested in switching. I told him I had XXXX and was having issues with a credit card being opened in my name fraudulently. I also asked him if they charge for equipment installed and he said no. I never agreed to having a credit card opened in my name. The credit card was opened fraudulently and without my knowledge and consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Unrecognized Collection Account XXXX XXXX XXXX I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. The account in question is reported by XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$120.00}, account status : Open ) and is listed as 'Placed for Collection. ' I do not recognize this account. I have no knowledge of this debt, I did not authorize the opening of this account, and I have received no documentation establishing that this obligation belongs to me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby request that you : 1. Conduct a thorough investigation of this disputed account. 2. Contact the furnisher ( XXXX XXXX XXXX ) and require them to provide verifiable proof that this account is accurate, complete, and legitimately mine. 3. Provide me with the results of your investigation in writing. 4. Delete this account from my credit report immediately if it can not be verified. Please be aware that under the FCRA you are required to complete your investigation within 30 days of receiving this dispute ( or 45 days if I provide additional information during that period ). I have enclosed a copy of my government-issued photo ID and proof of address to verify my identity. Please send your written response to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The collection is from 2 credit cards totaling {$2000.00} I have had the cards for about 5 years. I became ill and also I am on a very fixed income and was not able to maintain the payments. The debit was eventually sold and I recently received communication in the mail from an attorney office threatening to sue me. I had attempted contact on several occasions and kept getting no resolve. They are saying that I owe XXXX and will only accept XXXX. My social security fixed income is only XXXX a month and I can not afford what they are trying to sue me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am submitting a formal complaint against Synchrony Bank regarding undisclosed interest charges and ongoing automatic withdrawals from my account. I opened this account in XX/XX/XXXX under what was presented to me as a 0 % interest financing plan. At no point was it clearly explained that this was a deferred interest promotion or that I would be required to pay off the full balance within a certain time to avoid interest charges. In XX/XX/XXXX, I was suddenly charged {$680.00} in interest. Since XX/XX/XXXX, additional interest charges have continued to be applied monthly : XX/XX/XXXX : {$55.00} ( interest ) XX/XX/XXXX : {$51.00} ( interest ) XX/XX/XXXX : {$57.00} ( interest ) XX/XX/XXXX : {$53.00} ( interest ) At the same time, automatic payments have been withdrawn from my account : XX/XX/XXXX : {$77.00} ( autopayment ) XX/XX/XXXX : {$75.00} ( autopayment ) XX/XX/XXXX : {$71.00} ( autopayment ) XX/XX/XXXX : {$77.00} ( autopayment ) I was not aware of these interest charges. I have autopay enabled, and I relied on it, believing that my account was in good standing and that everything was being handled correctly. I was never notified that the promotional period was ending, nor did I receive any communication ( email, mail, or otherwise ) about interest being applied. If I had been properly informed, I would have paid off the balance in full without any issue. I contacted Synchrony Bank to resolve this issue, but they refused to assist and stated that it was my responsibility. Account holder : XXXX XXXX I believe this situation involves : Failure to clearly disclose deferred interest terms Failure to notify me about the end of the promotional period Application of significant charges without proper notice Unfair and deceptive billing practices I am requesting : Removal of the {$680.00} interest charge from XX/XX/XXXX Removal or refund of all monthly interest charges starting XX/XX/XXXX A refund of payments made under these conditions Documentation proving that proper disclosures and notifications were provided A goodwill adjustment due to lack of proper disclosure I respectfully request that this matter be investigated and resolved. 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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am disputing this account because the company has failed to provide proper validation of the alleged debt. I requested verification, including proof of ownership, a signed agreement, and an itemized statement of charges, but no sufficient documentation has been provided. Despite this, the company continues to report and/or attempt to collect this account. Additionally, the documentation provided contains inconsistent and conflicting information. I received multiple statements showing different account numbers and phone numbers, which raises serious concerns about the accuracy and reliability of their records. This inconsistency suggests the account has not been properly verified and may not be valid. Reporting a debt without proper verification is inaccurate and misleading. Without sufficient documentation, there is no proof that this debt is valid or that I am legally responsible. I have made attempts to resolve this directly with the company, but they have failed to correct the issue or provide proper validation. I am requesting a full investigation and that this account be removed from my credit report if the company can not provide proper and consistent verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a formal Debt Validation Request via USPS Certified Mail to LVNV Funding LLC / Resurgent Capital Services, pursuant to my rights under the FDCPA 15 U.S.C. 1692g, regarding an account with a balance of {$280.00}, originally with XXXX XXXX, XXXX. On XX/XX/year>, I received a response from Resurgent Capital Services on behalf of LVNV Funding LLC. The response contained : ( 1 ) an " Account Summary Report '' generated internally by Resurgent Capital Services, and ( 2 ) a XXXX XXXX charge-off statement. This response does not constitute proper debt validation because : The Account Summary Report was prepared by Resurgent ( the collector ), not XXXX XXXX ( the original creditor ). A self-generated summary is not independent verification. No original signed credit agreement between me and XXXX XXXX was provided. No chain of title documentation showing XXXX XXXX legally assigned this account to LVNV Funding LLC was provided. No complete payment history from account origination through charge-off was provided. No proof of licensure to collect debts in Michigan was provided. Despite this insufficient response, LVNV Funding LLC continues to report this account to the credit bureaus, violating 15 U.S.C. 1692g ( b ). I have sent a follow-up rejection letter on XX/XX/year> demanding proper validation or immediate deletion from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am formally disputing this account because it was charged off and subsequently sold to another creditor. Reporting a remaining balance after the transfer is inaccurate, misleading, and negatively impacts my credit profile. Additionally, I am requesting a full investigation and verification of this account, including documentation supporting the accuracy and completeness of the information being reported. Specifically, I am requesting verification of the date of first delinquency, documentation showing the chain of ownership and transfer of the debt, and confirmation that the reported balance is accurate and consistent across all reporting agencies. Any discrepancies in these areas would indicate inaccurate reporting. If the information provided can not be verified as accurate, complete, and consistent with the Fair Credit Reporting Act, I request that this account be removed entirely from my credit report. Please conduct a thorough investigation and provide written confirmation of the results. If the account can not be properly validated, I respectfully request deletion from all reporting credit bureaus to ensure my credit file reflects accurate and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have called wells fargo bank three times about receiving a denial letter after I applied for a wells fargo Credit Card on XX/XX/year> however they always forward me to a department that says they can not retrieve the denial letter, they do not se my application however I know they are supposed to keep it on file, if Wells fargo never pulled my XXXX consumer report than why are is and inquiry on my XXXX consumer report from Wells fargo bank? I have attached the Inquiry on my consumer report - My state ID and proof of address Hopefully Wells fargo can send me the denial letter

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am submitting this dispute regarding a collection account reported by Spring Oak Capital LLC on my credit report. On XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) after requesting validation of this alleged debt. The collection agency failed to provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the account continues to be reported on my credit file. The complaint with the CFPB has since been closed, and at no point was sufficient documentation provided to verify that this debt is accurate, belongs to me, or is legally enforceable. Reporting a debt without proper validation is a violation of federal law and constitutes inaccurate credit reporting. Additionally, the account has been placed in " dispute '' status, which is negatively impacting my ability to obtain mortgage financing under FHA guidelines. This status is inappropriate given that the debt has not been validated. I am requesting the following : Immediate deletion of this account from my credit report due to failure to validate the debt. Removal of any dispute comments associated with this account. Confirmation that this account will no longer be reported to any credit bureau. Please investigate this matter thoroughly and ensure compliance with the Fair Credit Reporting Act ( FCRA ). If the furnisher of this information can not provide proper validation, this account must be deleted immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: HI

Complaint narrative:
This company is charging usery rates and fees that no one can afford and are illegal in state of Hawaii I took out this loan and paid back most of it and took a few more advances and paid and the payments have skyrocketed and they take it direct debit from my account. I blocked them once from doing that and they continued to do it. I have asked them to stop and not given authorization and its been revoked at my bank. Twice. They keep trying to deduct large XXXX dollar or So amounts and it wrecking my ability to pay my essential bills and eat. They need to stop. They are charging usery rates. I have revoked their right to deduct any more fees and charges from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
We had a loan with one main financial had XXXX XXXX on the loan and what was told to us when we got the loan was if one of us was to XXXX Or become XXXX during the loan the insurance would pay off loan we have got the paperwork from this insurance company where they paid payments and even says final payment the statements we where receiving said about do {$0.00} and when we moved I have misplaced all but one statement that's why we asked for them all again and when it went to court they told the judge our payments where more than they where and that they hadn't got any insurance payments and judge wouldn't look at anything we had I became XXXX in XX/XX/year> and had been off work from XX/XX/XXXX to currently we tried to talk to them band got nowhere we offered them the truck that was used and they wouldn't take it at this point they have admitted they don't know where the title is and also on a recorded call a rep said something was off with the account we need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
LOAN NUMBERXXXX PROPERTY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX LOAN NUMBER : XXXX CASE NUMBER:XXXX REFERENCE # XXXX PROPERTY ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I XXXX XXXX as Successor in Interest in The XXXX and XXXX XXXX Trust now Sole Trustee am committed to ensuring you receive the complete Deed to Trust and Amended Trust documents. Thank you, XXXX XXXX XXXX ) XXXX Call Email ; XXXX Send all checks and correspondence to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Rocket Companies ( XXXX : XXXX ) owns XXXX XXXX following its acquisition of the XXXX XXXX XXXXXXXX. XXXX XXXX was part of the XXXX XXXX XXXX, which Rocket acquired XXXX XXXX overcharged me by {$16000.00} at closing and did not honor the loan cancellation of debt as evidenced with 1099C of {$69000.00} close to the loan amount. However they continue to request documents they deny they obtained. For example the authorization on file enclosed, for XXXX XXXX as well as public record of the Deed transferring to the Revoccable Living Trust in XXXX, and the Acceptance of Trust after XXXX and XXXX were deceased, as well as the Attestation of Trust. No in order to deny and delay and detour a refund XXXX XXXX attorneys use Deceptive practices on top of fraudulently keeping a senior citizens funds. The attorneys have played null by requesting docs over and over again. The televised report of this showed many companies use these tactics and I like that it is a report investigated on TV to help other seniors like myself who now must have justice and restitution. Signing an Affidavit Forensic Accountant XXXX XXXX at XXXX XXXX estimated {$16000.00} over charged.at closiing in XXXX. Also the cancellation of debt 1099c from the IRS in the amount of {$69000.00} was not applied to the loan within their servicing time. {$16000.00} plus {$69000.00} a total of {$85000.00} was stolen at the time of closing as they were paid ach by the buyer and XXXX XXXX was shocked so the Title company seeing this suggested an audit. Do something please the XXXX Forensic Accountant, The Accountant with XXXX, The Title Company ( that recommended I hire an auditor ) and the hard evidence enlcosed of the XXXX 1099cs all mounted to overcharges and fraudulent calculations of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Aldous and associates reach out to on XX/XX/year> though text message. Claiming I owe my landlord XXXX I send a letter disputed this on XX/XX/year>. I also enclosed my court paperwork because this was a court matter. I never heard back from them. They never gave me a break down of what the landlord is claiming I owe. On XXXX XXXX they put it on my credit. Despite my court paperwork. I try to talk to XXXX which I was transferred to. She claimed they mailed it to the wrong address. She said she will put in a request but it's a change i won't get it.She said they are a law firm and she will not help me because I said I was going to get a lawyer. I haven't received no proof that this debt is real.

Company response to consumer: Closed with explanation