vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Zion debt holdings initiated a report to XXXX  XXXX of XXXX while unlicensed based on a contract that was cancelled in XXXX from XXXX security neither parties will provide the record of cancellation dates. They only provide the signed contract and from XXXX I reactivated the service a year later with a no contract agreement a year later. They are using a separate payment from the contract to try and pressure me into paying a debt I dont owe. Vivint security is aware of the situation they informed me the seen on file 3 separate cancellation but will not provide proof with out a 10 word pass code from 10 years ago. And no matter what both parties refuse to show proof of. Last payment that was made was in XXXX of XXXX that was not on or tied to the contract they provided XXXX. So I cant get full details from either party to verify the information as XXXX tells me they cant access my account without the pass code that I do not remember from 10 years ago and can no longer receive due to not having access to mail at the original address or the email I set the account up with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX. I left my phone onthe table of the restaurant we was eating in and went back to retrieve my phone and it was no.longer there and they knew nothing about it at the restaurant so it was took by someone other than employees i would guess and someone used my phone somehow to make a transaction before i could have it cut off on my cash app account. The transaction was to door dash which ive never ever used before in my life for XXXX XXXX  and i did not make the transaction to door dash. Any other time they would have declined the transaction due to suspicious activity but they didnt do so letting someone steal my money. Thats stealing and a federal crime for wire fraud and i have disputed this transaction and they denied my claim so i appealled it just for them to do the same and my money is still not back on my account. I have never sent door dash any money ever i dont even have the door dash app on my device because i dont use companies like that especially giving them my card information. You can clearly look at all my transactions and see ive never sent them nothing before this transaction that i did not authorize or do and ill not ever. I need to know what i need to do to get my money back from these thieves or what can i do to get it back. Im not going to let them steal my money because thats exactly what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an approved Chapter XXXX plan that was closed in XXXX, approved plan and re-structure of mortgage loans as agreed upon with XXXX XXXX, XXXX service. I have made on time payments from XX/XX/XXXX ( after my approved plan ). However, in XX/XX/XXXX, I was notified by mailed letter that XXXX ( XXXX ) is my new Mortgage servicer and was transferred ( without prior knowledge ). XXXX returned my mortgage payment in XX/XX/XXXX, due to the fact that I have no existing account, I still diligently sent my mortgage payment via wire transfers after many attempts to call them. I refused to skip any payment as I am following my Chapter XXXX court approved plan. 
After many, many numerous attempts to remedy this with XXXX, I have received no response and to make the matter worst, XXXX have reported me as on " active bankruptcy '' within the XXXX credit bureaus. 
They have caused so much harm on my credit and Mortgage payment history that I am unable to obtain any loan, since I recently sold my home and now I am left in jeopardy. 
Please help me.

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, Robinhood locked my account without any prior warning or notification after I attempted to withdraw funds to my debit card. I currently have {$2500.00} trapped in this account with no access to my money and no clear explanation from Robinhood as to why this action was taken.

REGULATORY VIOLATIONS AND CONCERNS : Lack of Notice : Robinhood failed to provide adequate notice before restricting access to my funds, which may violate customer protection standards and fair dealing requirements under FINRA rules.

Access to Funds : The company has effectively frozen my assets without explanation, preventing me from accessing my own money for legitimate purposes.

Communication Failures : Robinhood has not provided clear communication channels or timely responses regarding the account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: WA

Complaint narrative:
I was first contacted by IQ Data International in XXXX and was instantly met with hostility when I was unable to pay, they refused payments if not in full, have mocked financial status and gave multiple followup calls until I threated legal action. They then stopped for about 8 months then started again. The staff have been nothing but hostile and condescending throughout the entire process, refused to provide debt validation and have even gotten as far as making threats and contacting my fiancee. We have paid them a total of {$2000.00} out of the total balance of {$5000.00} ( rough numbers ). They've been asked not to contact me on XXXX occasions and I still receive calls. I was contacted by them today ( XX/XX/XXXX ) and finally told them I needed the contact information for their legal team and they ended all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Was double charged. Lease was signed with landlord under the promise she would de-list us from XXXX without penalty or charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This guy XXXX XXXX the number he called me from the reverse number file I sent you he is the XXXX who hacked my stolen phone and deposited those checks that's how I found out his information and the scams he took money from my Chase account added the funds to my XXXX XXXX then sent it to a XXXX XXXX XXXX XXXX I contacted Chase and XXXX XXXX right away changed my passwords and reported the fraud and cancelled my accounts and cards and Chase is refusing to investigate this further and my account was overdrafted {$3200.00} and I had a positive balance of {$88.00} and I reported XXXX fraudulent checks as well now chase is saying I'm in the negative and I didn't even deposit them cash them nothing and now I'm over draft by XXXX and I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
CFPB Complaint Draft Company Name : Sunrise Credit Services , INC Product : Credit reporting / Debt collection Issue : Improper reporting / False or misleading representation Complaint : I am filing this complaint against Sunrise Credit Services for deceptive and unfair debt collection and credit reporting practices. 
Sunrise Credit Services reported a debt to my personal credit report. I contacted the company to address the account. Before making payment, I specifically asked whether they would agree to a pay for deletion, meaning the account would be completely removed from my credit report upon payment. Their representative agreed to this arrangement. 
Based on that agreement, I paid the debt in full on XX/XX/year>. The payment amount was {$2900.00}. I would not have made payment without the companys representation that the account would be deleted from my credit report. 
After payment was processed, the account was not deleted. It remains on my credit report. When I contacted Sunrise Credit Services again, they refused to honor the agreement. 
Additionally, prior to payment, I did not receive proper written validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), despite it being reported to my credit file. 
I believe Sunrise Credit Services engaged in deceptive practices by : Misrepresenting that they would delete the account upon payment. 
Failing to honor the agreed pay for deletion. 
Reporting and maintaining inaccurate or misleading credit information. 
Failing to provide proper written validation of the debt. 
Requested Resolution : Immediate deletion of this account from all credit reporting agencies.

Written confirmation of deletion.

Confirmation that no further collection activity will occur.

If this matter is not resolved promptly, I am prepared to pursue further legal remedies for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I booked flights through the Chase XXXX XXXX using my Chase credit card. The total cost of the trip was {$920.00}. 

Shortly before the scheduled trip, I suffered a serious concussion. My treating physician advised that I should not fly due to the medical risks associated with my condition. Based on this medical recommendation, I canceled the flights by phone with Chase XXXX customer service in XX/XX/year>. The cancellation was processed over the phone. 

I subsequently filed a travel insurance claim under the cards travel protection benefit. The claim is administered by XXXX  XXXX. I submitted all required documentation, including medical documentation supporting that travel was not recommended by my physician. 

XXXX  XXXX requires written confirmation of cancellation from Chase XXXX in order to process the claim. However, Chase XXXX has informed me multiple times that they do not issue cancellation emails or written confirmation when a flight is canceled by phone. 

I have contacted Chase XXXX at least three times and XXXX  XXXX at least XXXX times in an effort to resolve this issue. Chase XXXX has confirmed internally that the flight was canceled and has attached a note to the claim file verifying the cancellation. However, XXXX XXXX refuses to accept this internal confirmation and continues to require a formal cancellation email that Chase states it can not provide. 

This creates a procedural deadlock : Chase XXXX confirms the cancellation but will not issue written documentation. 
The insurance administrator requires documentation that Chase states it can not provide.

As a result, my medically necessary and otherwise valid claim for {$920.00} can not proceed despite my full compliance with all requirements. I have exhausted standard customer service channels.

I am requesting that Chase provide written confirmation of the cancellation or coordinate directly with its insurance administrator so that this claim can be properly processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional Acceptance was sent a power of attorney termination in XX/XX/2025 with a certified letter : stating if no response within XXXX days per letter sighing and returning with sign confirmation to me the vet ownership would transfer to XXXX XXXX. The Regional Acceptance did not respond with answering the certified letter. In XX/XX/2025, vehicle was charged off with a balance. The transaction was illegal by Consumer Fair Credit Reporting Act this creditor has violated my rights under XXXX USC XXXX section XXXX states that I have the right to privacy. 
XXXX USC XXXX section XXXX ( a ) section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX USC XXXX ( XXXX ) And pursuant to XXXX USC 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 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
The debt collection company, Halsted Financial, sent me a text regarding collection at XXXX. I have screenshot proof that shows the timestamp when the text was sent and received. Under no circumstances should I be woken out of my sleep at XXXX from a text from a debt collector. Don't they know they have to follow the rules? You can't contact before XXXX and XXXX is WAY before XXXX. If they're texting and harrassing about an alleged debt at XXXX who knows what other illegal practices they're partaking in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
A representative from XXXX XXXX XXXX entered my home for an in-home sales demonstration around XX/XX/year>. During the demonstration at my kitchen sink, the representative made multiple misleading and fear-based statements, including claims that my tap water was unsafe for my health, contained contaminants, could damage my plumbing, and would negatively affect my skin. The representative also sent me follow-up text messages reinforcing these claims, including links suggesting that XXXX XXXX water was unsafe. 

I was pressured into signing electronic documents through XXXX during the visit. The representative did not clearly disclose that this was a financed transaction through Preferred Credit , Inc., did not explain the total cost or interest terms in a clear manner, and did not inform me of my legal right to cancel the contract within the required cooling-off period for a home solicitation sale. 

I did not knowingly authorize or agree to a valid retail installment account, and I did not create or request a credit account with Preferred Credit , Inc. After discovering the account, I contacted the company to dispute the debt and request documentation. Some email addresses provided were invalid, and I did not receive adequate responses or clear validation of the debt. I am now being associated with a debt that I do not believe is valid and that resulted from deceptive sales practices and lack of required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX permanently froze my account XXXX XXXX on XX/XX/XXXX. {$0.00} balance. No negative balance. No pending transactions. I received quarterly statements from XXXX as recently as XX/XX/XXXX, confirming the account was in good standing with no issues. 

I contacted support multiple times. On XX/XX/XXXX, agent XXXX confirmed the account is " permanently frozen '' and can not be reinstated. 

I requested to close the account and delete my personal data. XXXX refused. They have no process for permanently frozen account holders to request deletion. Their privacy request form only offers options for " active '' or " closed '' accountsnot permanently frozen. 

I am a Texas resident. Under the Texas XXXX Privacy and Security Act, I have the right to request deletion of my personal data. XXXX is denying me that right with no explanation and no appeal process. 

I want : My personal data deleted My account removed from XXXX 's systems XXXX confirmation that both have been completed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Property Receivables, Corp
State: FL

Complaint narrative:
Dear Property Receivables Corp, This letter serves as formal notice that you are to immediately cease and desist from any and all harassing communications with me.

It has come to my attention that your company has engaged in repeated and unwelcome contact, which I consider to be harassment. Such conduct may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c et seq., as well as applicable state consumer protection laws. This includes, but is not limited to, excessive phone calls, calls at inconvenient times, threatening or abusive language, or communication after being requested to stop.

Pursuant to my rights under federal law, I hereby demand that you : 1. Immediately cease all telephone communication with me ; 2. Cease any further contact except as permitted by law ; and 3. Provide written validation of any alleged debt, if applicable.

If your company continues to contact me in violation of this notice or applicable law, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. I also reserve the right to pursue civil remedies, including statutory damages, actual damages, and attorneys fees. 

Please provide written confirmation within ten ( 10 ) days that you will comply with this demand.

This letter is written without waiver of any rights or remedies available to me, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing a formal complaint against PayPal. 
On XX/XX/year>, PayPal notified me that my account balance was eligible for withdrawal. However, on XX/XX/year>, PayPal unilaterally, arbitrarily, and without any valid reason or prior warning cleared my entire account balance. 
My account was used legally and normally, with no fraud, no illegal activity, no chargebacks, no violations of PayPals terms of service, and no legitimate basis for fund seizure. PayPal has failed to provide a clear, specific explanation for taking my money. Customer service has been unhelpful and refused to properly review my case.

This is an unlawful seizure of my personal funds. I demand that PayPal immediately return all my cleared balance in full and provide a formal, legitimate reason for their actions. 
I respectfully request the CFPBs assistance in resolving this matter and recovering my funds. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Capital One. 

A late payment for XX/XX/year> is being reported on my credit file despite the fact that I had automatic payments set up on the account. My card was lost and replaced around XX/XX/year>, and the automatic payment method failed to transfer properly without my knowledge. 

I immediately brought the account current and have otherwise maintained an excellent payment history. 

I formally requested the Method of Verification and billing statements. Capital One failed to provide sufficient documentation showing how this late payment was verified as accurate. 

Under the Fair Credit Reporting Act, furnishers are required to report information with maximum possible accuracy and properly investigate disputes. 

Because Capital One can not adequately verify the delinquency and failed to properly investigate my dispute, I am requesting : Immediate removal of the XX/XX/year> late payment from all credit bureaus. 

This inaccurate reporting is negatively impacting my ability to obtain mortgage financing.

Company response to consumer: Closed with explanation