vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I am requesting a full and documented resolution of this matter in accordance with applicable federal law governing debt collection practices. Specifically, I request that Sunrise Credit Services and/or XXXX XXXX : Provide complete validation of the debt, including : The name of the original creditor The current legal owner of the debt A complete chain of assignment or sale of the debt from the original creditor to the current entity Documentation demonstrating the companys legal authority to collect Provide a detailed accounting of the amount being collected, including : The original balance Any interest, fees, or adjustments applied How the current balance of approximately {$13000.00} was calculated Clarify whether any other entity is collecting or has attempted to collect the same debt, and confirm that no duplicate or overlapping collection activity exists. Cease all collection activity until full validation is provided If the debt can not be fully validated and ownership clearly established, Immediately cease all collection efforts and request the deletion of any associated credit reporting I am not requesting a generic or automated response. I am requesting a substantive, documented resolution supported by verifiable evidence. If the company is unable to meet these requirements, continued collection activity may violate federal law. If the debt can not be fully validated with complete documentation establishing ownership, authority to collect, and an accurate balance, I demand that you : Immediately cease all collection activity on this account Cease any communication regarding this debt Notify all credit reporting agencies to delete any associated tradelines related to this account Any continued attempt to collect or report this debt without proper validation may constitute a violation of federal law, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
This is a follow-up update to complaint # XXXX, originally filed on XX/XX/XXXX. Complaint Update Bank of America Auto Loan / Title Issue This complaint was originally filed on XX/XX/XXXX. I am submitting this update due to additional issues that have arisen. 1. Sent to Incorrect Address Bank of America claims that the check and vehicle title were mailed in XX/XX/XXXX. However : During every call, Bank of America representatives confirmed my correct home address and never asked business address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX At no time was I informed that the documents had already been sent. Despite this : Bank of America states the documents were sent to a business address that was closed on XX/XX/XXXX I personally visited that location, and : No mail from Bank of America was ever received for XXXX XXXX XXXX. 2. Broken Promise On XX/XX/XXXX, I received a call from Bank of Americas complaint department ( XXXX ). They promised : The check would be reissued via next-day delivery Actual result : The check was received on XX/XX/XXXX Delivered via regular mail after more than one week delay 3. Refusal to Reissue Vehicle Title Although Bank of America claims the title was sent in XXXX : There was no follow-up for over two months No notification that it was returned or lost Then : They reissued the check But instructed me to order the vehicle title myself This is unacceptable. The title was lost due to Bank of Americas error, and the responsibility should not be transferred to the customer. Requested Resolution 1. Immediate reissuance and delivery of the vehicle title Send to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. All reissue and shipping costs must be covered by Bank of America 3. Compensation for delays and mishandling, including : o Overpayment refund delayed for approximately 3 months o Vehicle title withheld for over 3 months 4. Correct ownership on title o Borrower : XXXX XXXX XXXX Owner : XXXX XXXX XXXX o Owner of XXXX XXXX XXXX : XXXX XXXX The title must be issued only under XXXX XXXX XXXX XXXX. If any additional issues arise due to incorrect ownership or further mistakes : XXXX Bank of America must bear full responsibility for all related costs and damages Legal Notice Failure to resolve this matter promptly will leave me no choice but to pursue further regulatory complaints and legal action for negligence, financial harm, and mishandling of legal documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
In XXXX XXXX, I attempted to subscribe to the advertised Google XXXX XXXX XXXX XXXX XXXX XXXX. However, I encountered a systemic technical glitch : the system displays an " Offer unavailable '' error immediately upon clicking the promotion, functionally blocking me from reaching the required third-party SheerID verification portal. This is not an isolated incident ; a massive number of consumers have reported encountering the exact same technical barrier online ( links to community reports are attached as evidence : https : XXXX ). Over the past two weeks, I engaged in extensive communication with Google Support. I provided clear video evidence demonstrating that the error occurs prior to the verification step. Instead of escalating the bug, support agents trapped me in a logical loop, repeatedly demanding a screenshot of a " completed SheerID verification '' an impossible request since their own system prevented consumers from initiating the process. Most egregiously, Google Support employed deliberate stalling tactics. They dragged out this circular communication for over 14 days until the promotional offer formally expired. Once the expiration date passed, support abruptly announced they were terminating their assistance and closing the case, citing the " expired offer '' as their justification. By heavily advertising a promotion, maintaining a broken infrastructure that blocks redemption, deliberately stalling the consumer until the deadline passes, and then weaponizing that expiration to deny service, Google is effectively engaging in deceptive " Bait and Switch '' marketing and bad-faith UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violations. Furthermore, I am a currently enrolled graduate student in the US and have previously earned my XXXX XXXX from another U.S. institution, meeting all eligibility criteria for student-related offers. In XX/XX/XXXX, I successfully verified my educational status and was granted an initial 18-month XXXX trial. According to Googles own promotional descriptions, I am now eligible for an additional 12-month trial extension. My standing as a verified student in the U.S. academic system is indisputable, yet Google 's technical failures and support 's refusal to act have stripped me of this promised benefit.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Company : Columbia Debt Recovery LLC ( DBA Genesis ) Product : Debt Collection Issue : Attempts to collect debt without providing validation / Misrepresentation of rights Complaint : I am filing a complaint against Columbia Debt Recovery LLC regarding their attempt to collect an alleged debt tied to a prior rental account. On or about XXXX XXXX XXXX, I contacted this company regarding an alleged balance of approximately {$5700.00} because I received an email from them. During a phone conversation with their representative, I requested documentation to validate the debt, including an itemized breakdown, lease agreement, and proof of their authority to collect. The representative explicitly stated that they would not provide any documentation unless I made a payment first. I was told that documentation would only be sent after payment was received. I have spoke to with multiple agents at Columbia regarding this debt and have been mistreated each time. During a previous phone call I was told not to worry about contacting them ever again because they would no longer allow me to settle the debt. This is a direct misrepresentation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have the legal right to request validation of a debt before making any payment. Refusing to provide documentation unless payment is made is deceptive and prevents me from verifying whether the debt is accurate or even valid. I believe this conduct violates : - FDCPA 809 ( failure to provide debt validation upon request ) - FDCPA 807 ( false or misleading representations ) Following this interaction, I have submitted a written request for debt validation and instructed the company to cease telephone communication and communicate only in writing. I am requesting that the CFPB investigate this matter and require Columbia Debt Recovery LLC to : 1. Provide full and proper validation of the alleged debt 2. Cease all collection activity until such validation is provided 3. Ensure that no inaccurate or unverified information is reported to any credit reporting agencies This experience has raised serious concerns about the companys compliance with federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: UT

Complaint narrative:
This complaint concerns continued electronic collection communications after a written dispute and explicit cease communication instruction. Williams & Fudge , Inc. received my certified correspondence and continued contacting me via text message without providing validation. On XX/XX/year>, I sent a written dispute and request for validation via certified mail. This correspondence required that all communications be conducted via United States Mail only and refused all electronic communications. USPS tracking confirms the company received and picked up this correspondence on XX/XX/year>. Despite confirmed receipt, on XX/XX/year>, the company sent multiple text messages within minutes of each other. These messages included links to account information and and directed me to review the account and initiate contact regarding the alleged debt. This conduct occurred well after receipt of my dispute and communication restriction, eliminating any reasonable explanation of delay or oversight. The company has had sufficient time to process and comply with my written request, and its continued electronic communication reflects disregard for that instruction. This conduct includes : * Continued communication after a written cease request * Continued collection activity without providing validation * Repeated messages within minutes constituting harassment * Failure to include required debt collection disclosures, including that the communication was an attempt to collect a debt No validation of the alleged debt has been provided. This complaint is not isolated. I have experienced a consistent pattern across multiple collectors involving continued collection activity after disputes, reliance on automated or superficial verification, and disregard for communication restrictions, suggesting systemic noncompliance. Requested resolution : * Immediate cessation of all electronic communications * Written confirmation that collection activity is suspended pending validation * Deletion of any associated credit reporting, if applicable * Written confirmation of compliance with FDCPA requirements Each instance of communication after receipt of my written cease instruction represents a separate violation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: Klarna AB
State: CA

Complaint narrative:
I placed an order with XXXX for clothing totaling {$760.00} using Klarna XXXX in 4. I never received the items. XXXX refused to resolve the issue or issue a refund. I contacted Klarna on XX/XX/XXXX and reported that I never received the goods. Klarna opened an investigation and told me it would take up to 21 days to resolve. I followed up multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and many more dates over the following months ) because I never received any email to submit proof and there were no updates. Each time Klarna said they were still investigating, it would take 21 days, or there was no new information. They also told me there was no way to speak to a supervisor and that they only respond by email. During this time, Klarna continued taking payments from my account : {$220.00} on XX/XX/XXXX {$250.00} on XX/XX/XXXX {$250.00} on XX/XX/XXXX {$28.00} on XX/XX/XXXX Because Klarna was not resolving the issue after months of delays, I disputed all the charges with my bank. I won every single dispute and the bank credited me for the full amounts. Klarna now shows a remaining balance of {$730.00} with Action Required status on the failed payments. When I contacted them again, they said I still owe the money because they already paid XXXX, even though I never received the merchandise and my bank ruled in my favor. A supervisor responded via email under reference ID XXXX and said it is still under investigation and would be resolved in another 21 days. I am requesting that Klarna close these orders under Buyer Protection for Goods Not Received, immediately remove the entire {$730.00} balance from my account, clear the Action Required status, and stop all collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
So I had two credit card payments set up to be taken out of my account on a certain day and I was also transferring money into my account to cover the expenses that same day. The credit card payments ( and another miscellaneous charge 3 total ) literally hit my account XXXX minutes before my money transfer hit my account. Normally the system will wait till the end of the workday to finalize transactions but I was immediately hit with three NSF charges for XXXX $ each totaling XXXX XXXX I called customer service and they said they couldnt do anything for me.they wouldnt help me at all, said I had to go to a physical branch in person and speak to the bank manager. As an added note I have firmly opted out.numerous times with my banks overdraft and nsf fees, Prosperity Bank, of any program that would penalize me for not having enough money.any program that would give them XXXX $ of my money just because I dont have enough money at the time.its taking advantage of a vulnerable person whose normally cant or wont fight back. Which coincidentally is exactly what my credit card company is going to do to me but their fees are going to be much higher. I pleaded with the bank employee to help me, especially because the charges and transfer were just a few minutes apart but, NOPE.cant help you sir, not my problem. An overdraft coverage fee but the item was actually paid, I completely understand that .. but just charging a customer an NSF fee without providing any service? I dont understand how thats allowed especially when I have OPTED out numerous times to many bank employees, yet they keep taking from mecalling it profit and ignoring basic human decency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: IL

Complaint narrative:
I referred a friend to Chime using a valid referral code for a promotional bonus. My friend opened the account and attempted to complete the required steps. However, their initial debit card was lost in the mail, which delayed activation. We contacted Chime customer support to confirm whether the lost card and delayed activation would impact eligibility for the referral bonus. We were explicitly told by a representative that the situation would not affect eligibility and that the system would recognize the issue. Based on this information, we relied on that guidance and proceeded accordingly. Despite this, Chime is now denying the referral bonus, stating that the requirements were not met due to timing related to card activation. This is concerning because we relied on incorrect information provided by Chimes representative. The advertised promotion was not honored, and the guidance provided was misleading. I am requesting that this matter be escalated and reviewed, and that the referral bonus be honored or a goodwill credit be issued due to the misinformation provided.

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

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with Cash App for a {$34.00} transaction from XXXX XXXX ' ( Transaction Date : XX/XX/year> ). Today, XX/XX/year>, is the 10th business day of their investigation. Under federal law ( Regulation E, 1005.11 ), a financial institution must provide a provisional credit if an investigation into a transaction error takes longer than 10 business days. I contacted Cash App support today to request this credit. The agent, XXXX, explicitly acknowledged in writing that today is the 10-business-day threshold but refused to issue the credit. When I asserted my rights and requested a case number and representative ID, the agent refused to provide them and abruptly ended the chat, claiming the issue was resolved because they had 'provided an outcome ' ( which was simply a refusal to follow the law ). This is a clear violation of consumer protection regulations and an attempt to prevent proper documentation of my dispute.

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

Complaint narrative:
The following accounts/items have been impacted : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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