vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I mailed a debt validation request to Monterrey Collection SVCS regarding a collection account originating from a XXXX travel club. The request was delivered by certified mail on XX/XX/year>, and signed for by the company. I never received proper validation or documentation in response. Despite this, the company continued reporting and verifying the account with XXXX during the dispute process. The account also contains inaccurate information, including repeated invalid date entries. I am requesting investigation of the companys reporting and collection practices and requesting correction or removal of inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
The vehicle was in a car accident in XXXX and totaled out. The car was taken to the tow company and the tow company sold the car. The loan company is still charging a monthly cost for the loan after explaining to them we do not have the car

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

Complaint narrative:
I purchased a sectional sofa from Rooms To Go on XX/XX/XXXX using a Rooms To Go/Synchrony store credit account. The disputed merchandise amount was {$3600.00} plus applicable tax. Shortly after delivery, the sectional developed defects including seat sagging, excessive cushion compression, loss of support, and visible wrinkling during normal use. Rooms To Go replaced components in XX/XX/XXXX and again in XX/XX/XXXX under warranty. However, the same defects repeatedly returned after normal use. I continued reporting the issue and requested a refund because the product was not functioning as intended despite multiple repair and replacement attempts. I filed a billing dispute with Synchrony Bank for the defective merchandise. Synchrony initially issued a provisional credit, but later denied the dispute after receiving a merchant response from Rooms To Go stating the merchandise had been exchanged and that another inspection would be required before considering further action. Rooms To Gos own written response to Synchrony acknowledged that the sofa had seats wrinkling and sagging, which is an admission that defects existed. Despite this, Synchrony sided with the merchant and closed my dispute without adequately investigating the repeated repair history or considering that I have been dealing with a persistently defective product for over 16 months. I believe the dispute was not properly evaluated because the repeated exchanges themselves demonstrate an ongoing unresolved defect. The product continues to fail under normal use, and Rooms To Go has refused to provide a refund despite the repeated repair history. I also previously filed a XXXX complaint and a Texas Attorney General consumer complaint regarding 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 explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting executive review of XXXX handling of a dispute involving {$4900.00} in fraud-induced transactions. The transactions were authorized by me at the time, however they were made based on fraudulent misrepresentations tied to an unfolding title-related fraud situation that became clearer over time. As concerns escalated, I filed a police report with XXXX XXXX. The matter later resulted in governmental title intervention, including seizure/hold activity involving the title and subsequent involvement of an XXXX title XXXX. After I reported the matter to XXXX, provisional credit was initially issued. XXXX later reversed that credit and denied the dispute based on Regulation E timing issues. XXXX never requested supporting documentation from me before reversing the credit and closing the matter. Other than my initial report, there was no substantive communication, investigative follow-up, or request for additional information despite the surrounding fraud and title-related developments. I am requesting that XXXX reopen and conduct a meaningful review of this matter, including consideration of the attached supporting documentation and circumstances surrounding these transactions. I would like to attach : * Police report * Title seizure/hold documentation * XXXX dispute communications and determination correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
The last bill I received was from XXXX XXXX for {$90.00} during the dates of XX/XX/XXXX to XX/XX/XXXX. I paid the bill early on XX/XX/XXXX in the amount of {$90.00} from my XXXX XXXX XXXX account. I paid every month on time, due to me needing stable internet because I work from home all bills were paid on time and early. I disconnected service on XX/XX/XXXX and returned the equipment to the appropriate location to prevent any accrual fees. I returned my supplies to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, which is a XXXX XXXX store. They are attempting to collect on months that I was not using their service or had access to the equipment. They are also claiming, I had an unpaid balance which is false once I returned the supplies. I now live in XXXX, TN as of XX/XX/year>. They are attempting to bill me for the month of XXXX and XXXX. My XXXX statement shows no past due balance, however they are claiming in XXXX there was a past due balance from prior months which is incorrect, if there was an unpaid balance it would have reflected in XXXX. I do have documentation to show the termination of my lease agreement, and the start of my new agreement in XXXX, TN. I also have bank and billing statements to reflect my bills were paid on time or early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MS

Complaint narrative:
RE : DEMAND FOR DEBT VALIDATION, CEASE AND DESIST, AND REQUEST FOR REMOVAL FROM CREDIT REPORT To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and demand that you provide competent legal evidence that I have a contractual obligation to pay. Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request the following documentation : A complete accounting of the alleged debt. The original contract bearing my wet ink signature proving I agreed to assume this debt. A copy of any judgment, if applicable. The name and address of the original creditor. Documentation showing your legal authority to collect this alleged debt. Proof that your company is licensed to collect debts in my state. Complete payment history and itemization of all charges, fees, and interest. Copies of all documents bearing my signature associated with this alleged account. Be advised that reporting unverified or inaccurate information to any credit reporting agency violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, pursuant to 15 U.S.C. 1692c ( c ), this letter serves as a formal CEASE AND DESIST notice. You are hereby instructed to cease all communication with me regarding this alleged debt except to provide the validation requested herein or to notify me of specific legal remedies being pursued. If you can not provide the requested validation, including a signed agreement with my wet signature, within XXXX ( XXXX ) calendar days from receipt of this notice, you must : Immediately cease collection activity ; Remove this account from all credit reporting agencies ; Notify all credit bureaus that the account is disputed and unverifiable ; Provide written confirmation that the account has been deleted from my consumer report. Failure to comply with federal law may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and possible civil litigation for violations of the FDCPA and FCRA. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRAL PORTFOLIO CONTRO Placed in Collections XX/XX/year> Amount Owed {$1200.00} Original Creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a check for {$100000.00} into my Texas Capital Bank business checking account. Before initiating any wire transfer, I contacted the bank by telephone on XX/XX/year>, to confirm whether the funds were available and whether there were any restrictions on using the funds. I was told that the funds were available and that there were no restrictions. Based on that confirmation, I proceeded in good faith and initiated a {$90000.00} wire transfer on XX/XX/year>. Had I been advised to wait for final settlement, or told that the funds were provisional and still subject to return, I would not have initiated the wire transfer. On XX/XX/year>, the bank informed me that the deposited check had been returned unpaid and charged back the {$100000.00}, creating a large negative balance. A partial recovery of {$1600.00} was later returned through interbank recovery efforts, leaving a remaining unrecovered amount of {$88000.00}. I reported the third-party fraud to law enforcement and provided the police case information to the bank. I also cooperated with the banks legal, fraud, and compliance teams and repeatedly expressed my willingness to assist with recovery efforts. The bank later charged off and closed the account. On XX/XX/year>, the bank applied a credit of {$87000.00} to bring the account balance to zero. My concern is that approximately {$880.00} in legitimate funds was absorbed into the charged-off balance. These funds included a prior account balance and later business credits that were unrelated to the disputed wire transaction and were not proceeds of the returned check. I asked the bank to review the {$880.00} separately and return those legitimate funds. The bank responded that once the account was negative, deposits or credits would reduce the negative balance, and later denied my request because returning the funds would increase the banks overall loss. I respectfully disagree with that determination. I believe the {$880.00} should be treated separately because those funds were unrelated to the fraudulent transaction. I also believe the bank should review the XX/XX/XXXX telephone recording, because I specifically contacted the bank before acting and relied on the information provided that the funds were available and there were no restrictions. I am requesting that Texas Capital Bank return the {$880.00} in legitimate unrelated funds, confirm that the account closure or charge-off will not be reported in a way that harms my ability to maintain basic banking access, review and preserve the XX/XX/XXXX telephone recording, and provide a written explanation of its final position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I am submitting this complaint regarding the reporting and handling of my XXXX account. I entered into a settlement/payment arrangement through XXXX XXXX XXXX XXXX and XXXX agreed to reduce the balance from approximately {$2300.00} to {$920.00} as long as regular payments continued to be made. I have continued making payments in good faith and have remained committed to resolving this account responsibly. Despite these efforts, the account continues to report negatively and appears to be severely impacting my credit profile and mortgage qualification process. In addition, the account continues to report a high balance and credit utilization that is significantly affecting my credit scores even while the account is actively being repaid through a negotiated arrangement. I am respectfully requesting that XXXX conduct a full review of : - the reporting of the late payment, - the reporting of the balance and utilization, - and whether the account is being reported fairly and accurately considering the settlement agreement and active repayment status. Given my active repayment efforts and commitment to resolving this account, I am requesting consideration for : - a goodwill adjustment regarding the late payment reporting, - correction or adjustment of any inaccurate or unfair utilization reporting, - and any available accommodation that would allow the account to reflect more favorably while I continue satisfying the agreed repayment terms. I appreciate your time and consideration and hope this matter can be resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NV

Complaint narrative:
I noticed on my credit report, XX/XX/year>, that I had a debt from someone I've never done business with. How can I owe someone? I've never done business with or anything of that nature. I have no knowledge of owing this debt to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit 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:
FORMAL DISPUTE AND COMPLAINT TO ALL MAJOR CREDIT REPORTING AGENCIES ( TRANSUNION, EQUIFAX, EXPERIAN ) Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX TO WHOM IT MAY CONCERN, I am filing this formal dispute and complaint regarding inaccurate, incomplete, misleading, and/or unverifiable information currently being reported across my consumer credit files by TransUnion LLC XXXX Equifax Information Services LLC , and Experian Information Solutions , Inc . Despite prior disputes and requests for validation, multiple derogatory and negative items continue to appear on my credit reports without sufficient verification, documentation, or evidence of a lawful and reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). This complaint is submitted pursuant to : 15 U.S.C. 1681i Reasonable reinvestigation obligations 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirements 15 U.S.C. 1681s-2 Furnisher compliance obligations 15 U.S.C. 1681c-2 Blocking of identity theft-related information where applicable FDCPA 809 ( b ) Debt validation requirements ( where applicable ) DISPUTED ACCOUNTS ( ACROSS ALL REPORTING BUREAUS ) : XXXX XXXX XXXX XXXX XXXXXXXX Collection Account Sunrise XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charged-Off Account XXXX XXXX XXXX Charged-Off Account XXXX XXXX Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Loan Reporting LEGAL BASIS FOR DISPUTE XXXX Despite repeated attempts to resolve these matters : Proper validation and authenticated documentation have not been provided Incomplete, inaccurate, or unverifiable information continues to be reported The disputed items are causing ongoing harm to my consumer credit profile It appears that reinvestigation procedures may not meet FCRA standards Disputed accounts may not be properly marked as disputed REQUEST FOR RELIEF : Immediate reinvestigation of all disputed accounts Deletion of unverifiable information Disclosure of verification methods and sources Full compliance review under FCRA requirements Written confirmation of actions taken If these matters are not resolved in accordance with federal law, I reserve the right to escalate complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and pursue legal counsel for further remedies available under law. Sincerely, /s/ 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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I often use the USAA " cash advance deposit '' feature on my USAA checking account. I use this feature to move money easily from my checking account at another bank to my USAA checking account, via a charge made to my other bank 's debit card. I attempted to use this feature on XX/XX/XXXX in the amount of {$500.00}, and received an error from USAA that my cash advance deposit failed and was not processed. No funds were added to my USAA checking account. However, my debit card with the other bank was charged {$500.00}, and the charge has since processed and posted. USAA effectively stole {$500.00} from me. I have spent hours and hours trying to work this out with USAA support, but USAA support constantly says there is nothing they can do or closes my requests/ cases with no additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business claims that an unknown person from " XXXX '' called an unknown person at XXXX XXXX XXXX XXXX who claimed to be a resident of the property and claimed to have possession of unknown items. The business does not provide any connection or value of that information to the claim since it's a purchase protection for me ( the consumer ) and not for unknown people that are calling each and unrelated to the claim. The business then falsely claims that an unknow person from " XXXX '' claimed that I don't live at my home at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX through a phone call with a name-less property management company that manages that property. The business provides no proof of the allegations and only a story line of unknown people and companies. Attached is my mortgage which has proof that I lived at XXXX XXXX XXXX XXXX at the time of the loss. The business also has the shipping tracking number of the items that were shipped with my name and to me at XXXX XXXX XXXX XXXX when I was at that location. I received the items and then took them with me to my residence at XXXX XXXX XXXX XXXX which is a covered lost under the Purchase Protection warrant policy. About XXXX weeks ago, I opened American Express complaint related to purchase protection claim XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
XXXX. Binding Settlement Agreement : On XX/XX/year>, Shepherd Outsourcing accepted a written offer of {$400.00} as " Settlement in Full '' for account # XXXX. The agency issued a formal XXXX agreement and an email stating, " Our office is thrilled to inform you that we have accepted your offer. '' This offer included a " Pay for Delete '' provision. XXXX. Violation of FDCPA ( Misrepresentation ) : Despite the {$400.00} written agreement, the agency is simultaneously sending automated text demands for the full balance of {$1300.00}. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding the misrepresentation of the character, amount, or legal status of a debt. [ XXXX ] XXXX. Unconscionable Collection Tactics : The agency provided a non functional, expired payment link and has repeatedly refused to provide a secure digital payment method for the agreed {$400.00}. Instead, they are pressuring for a phone based transaction. This is a bad faith tactic designed to avoid a digital paper trail, violating the FDCPA and Texas Finance Code 392 regarding unconscionable means of collection. XXXX. Failure to Perform : I have been ready to pay the {$400.00} since the agreement was reached. Ive emailed XXXX also making them fully aware of the situation and Ive received no response at all.The agencys technical failures and refusal to provide a functional link have obstructed the resolution of this debt.

Company response to consumer: Closed with explanation