vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: MN

Complaint narrative:
On or about XX/XX/XXXX, I opened up and American Express Delta XXXX card that was offering XXXX bonus miles if I spent at least {$3000.00} in a XXXX time period. I spent well over that in less than XXXX months. When I called XXXX on XX/XX/XXXX, to ask them where my XXXX XXXX were, the XXXX representative told me to what at least another XXXX weeks for them to show up. On XX/XX/XXXX, I called XXXX back because I still had not receive my XXXX XXXX. I was then advised there was nothing they could do and referred me back to American Express, because the XXXX systems did not talk to each other. When I called American Express, they told me they can see that I opened up the card and that I did in fact spend over {$3000.00} in under 6 months. I was then told by the representative from American Express that they would have to open up an investigation ( Case XXXX ) and it would be another XXXX weeks before I would get an email telling me what the next step is. I asked if someone would be calling me, and I was told no, I would only be receiving an email. These XXXX companies appear to be pointing the fingers at each other and trying to get me to grow tired and walk away so they do not have to provide me with my XXXX XXXX that I have coming to me. This appears to be some sort of a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted a dispute regarding the LVNV Funding account in the amount of {$2900.00} and requested validation of the debt, including documentation supporting the accuracy and ownership of the account. Although I received a response stating that the account was verified, the company did not provide sufficient documentation to properly validate the debt. I was not provided with a signed agreement, complete payment history, proof of authorization, or documentation clearly establishing that I am legally responsible for this account. I am requesting that LVNV Funding conduct a reasonable investigation and provide competent evidence validating the account. If sufficient documentation can not be provided, I am requesting that the account be corrected or removed from reporting. I am also requesting confirmation that all information being furnished to the credit bureaus complies with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against TransUnion regarding the unlawful reinsertion and inaccurate reporting of a XXXX XXXX account on my credit report. This account was previously removed from XXXX XXXX XXXX after being disputed as fraudulent and unverifiable. However, TransUnion allowed the account to reappear without any reinsertion notice or explanation as required under FCRA 611 ( a ) ( 5 ) ( B ). The account has also been improperly changed into a collection/charge-off account written off as profit and loss, causing additional damage to my consumer report and financial standing. I never received : Any notice of reinsertion Any verification documentation Any explanation supporting the reappearance of the account I believe TransUnion is violating : FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion of Deleted Information FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy I am requesting : Immediate deletion of the XXXX account from my TransUnion report A complete reinvestigation Copies of the furnisher certification allegedly authorizing reinsertion Written confirmation of deletion This inaccurate reporting continues to cause harm to my creditworthiness, financing opportunities, and emotional distress.

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 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
ON XX/XX/year> I DEPOSITED CHECK OF XXXX IN MY RESERVE ACCOUNT AND ON THE XX/XX/year> AND WAS TOLD THAT LEGAL DEPT PLACED ON HOLD ON check on XX/XX/year> and that hold will be released on XX/XX/year> and on XX/XX/year> there is still a hold on my fund and the bank telling me that the hold is to save me money and when requested manger they hung up on me twice and said that customer service cant do anything and call back tomorrow. i also on XX/XX/year> i deposited XXXX in the same account and transfer XXXX to checking and XXXX to other acct and the remaining is missing as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Complaint Against National Credit Systems Failure to Validate Alleged Debt To Whom It May Concern, I am filing this complaint regarding a collection account being reported by National Credit Systems for an alleged property damage charge in the amount of {$820.00}. On XX/XX/XXXX, I sent an email and XX/XX/XXXX, I sent National Credit Systems a certified written debt validation request disputing the alleged debt and requesting supporting documentation. Specifically, I requested : 1.Lease terms establishing responsibility 2.Move-out inspection documentation 3.Itemized breakdown of charges 4.Repair invoices and receipts 5.Proof of repair or work order documentation More than XXXX months have passed since my email and more than XXXX days passed since my certified request was mailed, and I have received no written response, no supporting documentation, and no validation of the alleged balance. Despite failing to provide validation directly to me, National Credit Systems nevertheless verified the account with XXXX. At this time, I have not been provided competent evidence supporting the alleged debt or the amount being reported. I believe the account is being reported without adequate substantiation. I respectfully request that National Credit Systems : Provide complete documentation supporting the alleged debt, including proof of liability and proof of repair costs, or Cease collection activity and request deletion of the account from all credit reporting agencies if the debt can not be properly substantiated. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management and Midland Funding concerning an alleged XXXX account ending in XXXX. I previously requested that Midland cease communications regarding this alleged debt. Midlands own correspondence acknowledges that prior request. Despite this, Midland continued collection activity and threatened potential legal action. I dispute this alleged debt in its entirety. The documentation Midland provided consists primarily of a partial billing statement, which does not establish : * lawful ownership of the alleged account, * complete chain of assignment, * accuracy of the balance, * or legal standing to collect. I requested proper validation and supporting documentation including : * complete chain of assignment, * complete payment history, * original agreement, * and authenticated business records. I am concerned Midland may be attempting to collect without providing sufficient documentation supporting the alleged debt and balance. I request : * proper investigation, * full validation documentation, * correction of any inaccurate reporting, * and compliance with all applicable federal and California debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I received an email, XX/XX/2026 from Gordon, Aylworth & Tami, P.C stating " XXXX XXXX XXXX XXXX XXXX Second Chance Notice. I had never heard of these attorneys but had previously dealt with XXXX so I called immediately as I had also never received a notice. I spoke with XXXX stated. I had never received anything.So why was the same second notice? He told me I had been notified. I again stated I have dealt with XXXX I paid off a debt with them but I have not heard of this one. I also stated. I know I owe XXXX XXXX money so I'm not I'm disagreeing with the validity of the debt TO XXXX XXXX. After I stated this, he asked how I wanted to take care of it, either in XXXX lump sum or payments .. i stated that at the time because I am a student not receiving my unemployment as it is in appeals .. i stated {$20.00} a month until unemployment was approved, and then I would pay it off within 3 months if not sooner. I again agreed to the debt and to pay the debt. This amount was not okay. I had to pay, I believe {$63.00} for a year. I stated I could not do that. He then stated to me that then if I could not pay that amount that they would be going ahead and pursuing legal action against me. I became scared and frantic as I can not afford this that when he stated, they were still going to sue me, I became even more frantic thinking of how much more was potentially going to be added if they sued, and so I agreed through tears, I agreed. I agreed to a payment that I knew I could not afford at this time. Therefore, after getting off the phone I immediately emailed and stated that I had agreed to this under duress and coercion. I was immediately replied to stating " we have approved a monthly plan set at XXXX XXXX XXXX XXXX which is well below or normal minimum terms. You do not have to make these payments. The benefits of coming to a formal agreement fulfilling the payment terms is that it would prevent any further legal actions. We hope that you can fulfill the terms that have been provided. But we understand if you can not ''. This again is a agreement that was made under duress and coercion because if I did not agree I was told they were going to sue me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On the day of purchase, I financed a used XXXX washer and dryer set from XXXX Washer and Dryer ( located in XXXX, TX ) using XXXX XXXX Installments ( operated by Affirm ). The merchant advertised that the units were " deep-cleaned, inspected and tested. '' This was false. The units arrived extremely filthy, foul-smelling, and full of pet hair. More importantly, the washer machine failed on the very first load ( Day 1 ). It made extreme mechanical noises resembling an airplane engine and spat out broken pieces of hard, white internal plastic. I notified the merchant immediately on Day 1 after the inst allation on my phone message, which legally serves as a notice of defect within their 30-day warranty window. The merchant refused to honor their warranty, offering frivolous technical excuses and blaming the transportation. This week I spoke with a professional technician at a brick and mortar repair shop, he refused provide a repair estimate, stating that the machine 's internal damage is severe and deeply problematic and very costly. I opened a dispute and a subsequent appeal with Affirm, providing full evidence of the Day 1 notification, photos of the filthy, and proof of mechanical failure. Affirm closed the dispute twice in favor of the merchant, completely ignoring the evidence and the fact that the merchant committed delivery fraud and breached the implied warranty of merchantability. I requested Affirm to completely cancel this specific balance, as I am being forced to pay for a broken, hazardous, and un-refurbished appliance that was defective at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid company XXXX XXXX XXXX for the last few years through Citibank credit card then a customer from XXXX XXXX XXXX called me saying if I paid directly through my debit card then the bill will be XXXX dollars off so I signed up for that program and I discontinued the service of my Citibank credit card ( I had snapshots of my payments to XXXX XXXX XXXX ) but the credit card Company Citibank is a crook they keep charging me and never close my account Please help me to clear this fraud from Citibank they are deceitful company trying to rip off money from hard working consumers

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally filing this complaint against XXXX XXXX regarding the unfair closure of my account ( ending in XXXX ) and the bank 's rigid refusal to process my legitimate administrative appeal. I have been a loyal and proud XXXX cardmember for 13 years ( Member Since XXXX ). Throughout this entire 13-year period, I have maintained a flawless payment history with absolutely zero missed payments, zero bad debt, and zero late remarks. I genuinely value my relationship with XXXX. The account was automatedly closed by the creditor on XX/XX/XXXX, cited as " account not being used as intended '' following a billing dispute regarding a {$46.00} XXXX charge. However, XXXX 's automated system completely overlooked critical facts : 1. Valid Dispute : XXXX 's own notice dated XX/XX/XXXX ( Case : XXXX ) officially ruled this dispute in my favor, proving my claim was entirely legitimate. 2. Merchant 's Instruction : The merchant ( XXXX ) explicitly directed me via chat support to file this dispute because their system could not process a full refund. I acted strictly under the merchant 's guidance. 3. Extenuating Travel Circumstances : I was physically away on an international trip to XXXX from XX/XX/XXXX, to XX/XX/XXXX. Because I was overseas, I had no access to US physical mail and missed XXXX 's initial 10-day deadline to submit evidence. Upon returning to the US, I immediately contacted XXXX customer service over the phone multiple times to submit my proof ( including flight itineraries and XXXX chat transcripts ). Shockingly, the representatives and supervisors flatly refused to accept or review my documents. They stated that because the account had been closed for over 30 days, their IT system is " permanently locked, '' and they refuse to consider any administrative appeal regardless of the international travel overlay or the merit of the evidence. XXXX 's automated system misinterpreted a valid, merchant-directed dispute as abuse, and its rigid customer service infrastructure is now using an arbitrary " 30-day system rule '' to permanently sever a 13-year flawless relationship. I respectfully request the Executive Resolution Team to intervene, conduct a human review of my attached physical evidence, reinstate my account, and remove any adverse " closed by creditor '' remarks from my credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am submitting this complaint regarding my Lowes XXXX Credit Card issued through Synchrony Financial. I have been attempting to remove a freeze from my account since XX/XX/year>, despite repeated assurances from Synchrony representatives that the issue had been resolved. Earlier this year, I intentionally placed a freeze on my account. When I later attempted to unfreeze the card through the Synchrony app, I received a confirmation email stating that the freeze had been removed. However, the card continued to decline when I attempted to use it. I contacted Synchrony through their online chat support and was advised to wait two business days for the update to process. After the card still failed to work, I called customer service and was informed that Synchrony had independently placed another freeze on the account due to returned mail. I had recently moved and had not yet updated my mailing address. I immediately updated my address with Synchrony and was then told my account was active and ready to use. Despite this, my card remains frozen months later. Since XXXX, I have contacted Synchrony approximately six times through chat and five times by phone, including again today. Each interaction results in conflicting information, no actual resolution, and repeated assurances that the issue has been fixed when it clearly has not. Most recently today, I spoke with a representative named XXXX, who advised that she could not assist me and transferred me to another representative named XXXX. XXXX disconnected the call without resolving the issue. At this point, I simply want Synchrony Financial to explain why my account remains frozen and permanently remove any freeze or restriction preventing me from using my credit card. I have exhausted every reasonable attempt to resolve this directly with Synchrony and Lowes customer service without success. As a last ditch effort I reported the card as lost to see if a replacement would fix the issue. I havent received the replacement yet.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
The issue is regarding with XXXX. XXXX is the initiate of my funds being sent to XXXX. Ive received a notification that I received my funds but the deposit hasnt shown. XXXX has given me a payout trace ID, while XXXX fails to be compliant with my request of having to show on their screen the exact deposit. This happened on XX/XX/XXXX & I still havent received my funds. ( It is XX/XX/XXXX now ) I wanted to give them a grace period during the holidays just in case if that tampered with the payout. It shows when others have transferred my money but XXXX has only shown that when I specifically asked 3 times I would like to see the history of the deposit being made from XXXX of {$67.00} but again theyve only shown me the transactions, not the deposit history. I need help please, I know its not a lot of money but in times like this, I need clarity if Im getting scammed from this company. Mind you XXXX never deletes their conversations, while XXXX does. ( Ive gotten screenshots ) I would like some help. They refuse to tell me where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am requesting an investigation into the reporting of my American Credit Acceptance account. The account reflects a disaster/hardship accommodation notation, but two late payments continue to be reported. I was previously informed by a representative that the late payments would be removed due to the hardship/natural disaster situation associated with the account. However, the late payments remain on my credit reporting. I later contacted American Credit Acceptance again and spoke with a supervisor. The supervisor instructed me to submit a goodwill request through the companys process/website for review. I followed those instructions and submitted the goodwill request as directed, but I never received any response or determination regarding my request. I am requesting verification that the account status and payment reporting are accurate and consistent with any hardship or disaster accommodations applied to the account. If any reporting is inaccurate or inconsistent, I request that it be corrected and updated with all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have discovered that there has been fraudulant activity between the relationship with my bank. 1. Endorsement violations and conversion ( 31 cfr 328.5-6 ) 2. Breach of Fiduciary Duties ( failure to inform ) 3. Intentional Enrichment 4.Sherman act ( 15 usc 1 ) 5. Vioation of Goverment Obligation ( 12 cfr 351.12 ) 6. Coersion, Duress ( 12 usc 411 )

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