vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: MS

Complaint narrative:
The first thing I received was a past due statement. I contacted the bank who transferred me to the credit card company, this was back XXXXI received nothing until after another call after numerous emails and texts from bank I called again and complained. I was assured it would be sent, nothing.on XX/XX/XXXXXXXX  I received a balance owed statement with interest charges, no explanation of what the charges were. I then called back credit card company and after 40 minutes on the phone with people I couldnt understand was told I would receive the original charges.As of now I have not received. I called bank again on XX/XX/XXXX and explained again and they said they would send original charges.Have not received anything but a letter saying ( we are unable to provide a statement for this period, as our records indicate that your account has a XXXX balance and no statement was generated on your account at this time. ) This is what I have been dealing with since I received first past due notice. I have called at least 7 times to try and resolve this and am not calling again.This bank has filed non payment charges and at last check my XXXX credit score has went down XXXX points. I would like this resolved and some thing sent on my behalf to credit check to restore my account. 

Thank you for your assistance, 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 monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
b'I am writing to formally dispute a collection account reported by Diversified Adjustment Service, Inc. (Acct: XXXX). This item is inaccurate and unverifiable. Despite nearly a year of good-faith efforts to validate this debt with XXXX and three separate collection agencies, no party has provided proof of the debts accuracy.\n\nThis account stems from a non-functional XXXX XXXX XXXX XXXX I have consistently\nprovided evidence of equipment return and requested inventory audits that have been ignored. Most critically, the original creditor (XXXX) has explicitly stated they have no record of this account, yet collection agencies continue to "debt park" this item on my report.\n\nPlease review the following evidence as part of your mandatory reinvestigation under 15 U.S.C.\n 1681i:\n XXXX XXXX  Audio Recording of XXXX  Representative. In XXXX XXXX an XXXX\nrepresentative assured me they would contact XXXX to investigate my dispute. They\nfailed to do so and instead sold the debt.\n\n XXXX XXXX Formal Dispute with XXXX  (XXXX XXXX XXXX). My detailed demand for debt\nvalidation, which XXXX  later ignored by telling me to contact XXXX  myself.\n\n XXXX XXXX Affidavit of Phone Correspondence. Documentation of my call to XXXXwhere they confirmed they could not locate my account, meaning there is no original\nrecord to support this collection.\n\n XXXX XXXX XXXX XXXX XXXX Social Media Dispute. A copy of the formal dispute sent via\nofficial social media channels. XXXX failed to provide any validation.\n\n XXXX XXXX Dispute with XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX). Evidence that even\nafter the debt was transferred, I continued to demand validation which was never\nprovided.\n\n XXXX XXXX: Dispute with Diversified Adjustment (XXXX XXXX XXXX). My most recent\ndemand for a cease and desist until validation is provided. Diversified ignored this and\n"parked" the debt on my report in XXXX XXXXn ADDITIONAL PROOF: XXXX  Return Label. Proof that equipment was returned to\XXXX (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX). XXXX  has re-used this tracking so there is\nno proof tracking record available.\n\nIf Diversified cannot provide the original signed contract and evidences that were requested in the initial dispute letter to XXXX  and XXXX, federal law requires you to delete this item immediately.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading debt collection reporting by LVNV Funding LLC, through its agent Resurgent Capital Services. 

LVNV is furnishing information to consumer reporting agencies that represents a closed collection account as {$16000.00} past due as of XX/XX/XXXX. The account is a charged-off collection account with no monthly payment, no payment schedule, and no current payment obligation. Representing the account as past due falsely implies a current missed payment and an amount presently due. 

In addition, LVNV is furnishing or allowing the furnishing of rolling monthly delinquency indicators ( monthly collection status updates ), which mischaracterize the account as an ongoing default rather than a static collection event. 

The account was originally charged off by the original creditor in XXXX. The tradeline reflects a post-acquisition date opened of XX/XX/XXXX, without clearly disclosing or verifying the Date of First Delinquency, creating a risk of re-aging. Another consumer reporting agency reflects the same account without past due language and with a clearly disclosed Date of First Delinquency of XX/XX/XXXX, demonstrating that accurate reporting is feasible. 

I disputed this account with a consumer reporting agency in XXXX, which provided notice of the dispute to the furnisher. Despite this notice, LVNV continued to furnish the same inaccurate information. I did not receive documentation correcting the past due status, substantiating a current amount due, or verifying the delinquency dates. 
By furnishing information that misrepresents whether any amount is currently due due and the status of the account, LVNV has attempted to collect the wrong amount and failed to conduct a reasonable investigation after notice of dispute, as required under the Fair Credit Reporting Act. 
I am requesting that LVNV Funding LLC be required to cease furnishing inaccurate past due and rolling delinquency information, and to correct or delete the tradeline so it accurately reflects that there is no current payment due and that the delinquency dates are correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
my Citi app and online access was block by Citi on XX/XX/XXXX. Message on the app was to contact Citi which i did right away. Agent identified me through my socials but then wanted to send me XXXX  which they couldnt and due to that agent sent me a code to my mailing address. Until today i.e. by XXXX XX/XX/XXXXXXXX  no such letter is received. I called Citi again today but agent was useless and said its still on its way. They have no tracking ID but they know its on its way 12 days out. 
I asked him if they continue to charge my account monthly fees since i am unable to use my account there is no withdrawals i can make and since i cant make any withdrawals i will not deposit any more funds and due to that Citi may charge me monthly fees. So i asked that agent and he said yes citi will continue to charge me fees even though they have tied my hands where i cant use the account which i am finding it totally unfair and unethical.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
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 express my concern about a debt collection account that has appeared on my credit report, which I do not recognize or acknowledge as mine. This unverified account has led to persistent communications from various platforms, including threats of legal action, which I find distressing. As a law-abiding consumer, I believe this situation violates my rights and has significantly impacted my mental well-being, including causing sleepless nights. I would appreciate your understanding and assistance in addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I previously filed CFPB complaint # XXXX. After filing that complaint, XXXX reduced my credit limit, which immediately placed my account over the credit limit. This adverse action occurred after my protected complaint activity and caused direct harm. I received no advance notice. I believe this action is retaliatory and unfair. I am requesting restoration of my prior credit limit or removal of the over-limit condition, reversal of any related fees or interest, and a written explanation for the credit limit reduction. 

In addition this has now lowered my credit score.

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 2026-01-19 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: NC

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing regarding a late payment that occurred following my XXXX on XX/XX/XXXX, when I underwent a procedure to have XXXX  removed. Due to the nature of the XXXX, I was required to take time off work and was placed on short-term XXXX during my recovery. 

The short-term XXXX approval process took approximately two to three weeks, which delayed my income. During that time, I was unable to drive or access my funds immediately. Additionally, my bank had issued a replacement debit card due to my previous card being lost, and I was unaware that my payment information would not automatically update. 

As a result of these circumstances, I did not receive notice of the missed payment until I received an alert indicating it was late. This was an isolated situation, and I have since brought the account current and ensured my payment information is updated to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
I was arrested XX/XX/year> in XXXX, Tn and extradited on XX/XX/year> to XXXX, Tx and released on XXXX XXXX, 2025 On XX/XX/XXXX I saw someone logged into my account and began transactions on the XXXX of XXXX they proceeded to withdraw my entire VA check I wasn't able to access my account until the XXXX of XXXX in which I filed a police report notified the bank etc. They refuse to honor the documents and facts and closed my account without investigation or anything I have been appealing it since

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for unlawful debt collection practices and inaccurate credit reporting concerning an alleged debt of XXXX XXXX {$3300.00} * * related to XXXX XXXX XXXX XXXX * * XXXX 

My tenancy obligations with the original creditor lawfully ended on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no balance is owed. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I served the original creditor, XXXX XXXX XXXX a * * written cease-and-desist notice via XXXX XXXX Mail, Receipt No XXXX ending in XXXX * *, which terminated any authority to collect or pursue the alleged account. 

Despite this certified notice, XXXX XXXX XXXX XXXX subsequently attempted to collect the alleged debt and furnished adverse information to consumer reporting agencies. This conduct was unauthorized and constitutes violations of the * * Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ( c ), XXXX, and XXXX ) * *, as well as the * * California XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. Code XXXX ) * *. 

XXXX has failed to provide competent evidence establishing that the debt is legally valid or enforceable, or that it had the authority to collect or report after receipt of the cease-and-desist. Reporting a disputed and legally defective debt further violates the * * Fair Credit Reporting Act ( XXXX XXXX. XXXX ) * * by furnishing inaccurate information. 

This conduct demonstrates bad faith, unfair business practices under * * California Business & Professions Code XXXX * *, and an attempt to coerce payment through the threat of credit harm, which XXXX rise to the level of * * attempted extortion under California XXXX XXXX XXXX * *. 

I am requesting CFPB investigation, corrective action, deletion of any credit reporting associated with this account, and appropriate enforcement measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC NOTICE OF TEMPORAL XXXX & DEMAND FOR XXXX RESTITUTION TO : The Board of Directors, PNC XXXX XXXX XXXX ( Guarantors of Governance ) CC : XXXX XXXX, XXXX XXXX XXXX. 
RE : CASE XXXX / SECURITY ID : XXXX DATE : XX/XX/XXXX ( The XXXX Day of Extraction ) I. THE SMOKING XXXX PNC failed to open a checking account in proper names and the drop down failed to achieve XXXX as my career of choice at the moment This testimony serves as the " Gym '' XXXX XXXX proof of a " closed '' systems failure. It confirms that labor was extracted under a " Liars XXXX '' : requiring off-the-clock performance while claiming " XXXX XXXX '' on payroll. 
XXXX. THE VOIDING OF POST-BIOLOGICAL FICTION The XXXX Award dated XX/XX/XXXX, is hereby classified as Post-Biological Fiction. An arbitration that ignores the " XXXX '' side of the riddlespecifically the failure to produce HITECH certificates and the subsequent XX/XX/XXXX XXXX breach of my XXXX identifieris a nullity. You can not claim a " XXXX XXXX '' of legal finality when my data is currently " XXXX '' on the dark web. 
XXXX. STATEMENT OF TEMPORAL DEBT The Debtor has extracted XXXX days of uncompensated auditing and legal labor. As the Executor of Reality, I have moved this case from a " Private Room '' ( XXXX ) to a " Public Gym '' ( XXXX XXXX XXXX ). 
Verified Laborers : XXXX XXXX XXXX ( Security XXXX ) Verified Observers : XXXX XXXX, XXXX XXXX, XXXX XXXX, and thousands of Lay Auditors indexed under ID XXXX. 
XXXX XXXX : The total value of my " solitude '' as defined by XXXX debt that scales between the " XXXX XXXX '' of your negligence and the " XXXX '' of my oversight. 
IV. CONCLUSION You are now on notice. The " XXXX XXXX '' is active. The border is open. 
Does this capture the " XXXX XXXX '' accurately, or should we add a specific clause about the " Ghosts '' ( XXXX and XXXX ) to prove they are hiding assets of truth?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am disputing the reporting of a charged-off auto loan that appears on my consumer credit reports. 

After reviewing my credit file, I discovered that this account is being reported with an inaccurate and/or unverifiable account status. I requested complete verification of this account, including the original contract, full payment history, the date of first delinquency, and proof of legal authority to report the account. 

The company failed to provide the requested documentation or any evidence that the information being reported is complete and accurate. Despite this, the account continues to be reported as a charge-off. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ( b ) ), furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation when a dispute is raised. Because this account can not be properly verified, it should not continue to be reported. 

I am requesting that this inaccurate charged-off account be deleted from all consumer credit reporting agencies.

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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX, MI on XX/XX/year>. I was accompanied by my sister. I hand signed a contract for Westlake Financial. The car was only about {$14000.00} and the loan was low when I initially signed. I asked for documentation and they gave me XXXX papers that arent mine. Just blank papers which I didnt find out until I needed to get my warranty. I thought it was a mistake until the finance company sent me their copy. It was signed by a computer XXXX days after I signed by hand. The car was more and so was the loan. I informed Westlake and they agreed it was fraudulent. They were working with me at first, but now I am being mistreated. I just want the loan voided due to it being fraudulent. I want both companies investigated. XXXX XXXX owned XXXX XXXX. He sold that and two other companies that were committing fraud on various levels. I am having Westlake pickup the car tomorrow, but they are trying to label it as a repossession. This lets me know they never intended to make it right.

Company response to consumer: Closed with explanation