vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The collection account ( XXXX ) being reported on my credit file are inaccurate, incomplete, XXXX unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited XXXX XXXX XXXX. XXXX ( b ) ( failure XXXX assure maximum possible accuracy ), XXXX ( failure XXXX conduct a reasonable reinvestigation ), XXXX XXXX ( furnishers duty XXXX provide accurate XXXX complete information ). The furnisher has failed XXXX provide documented proof of ownership, a full chain of assignment, XXXX records validating the debt pursuant XXXX XXXX XXXX. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is XXXX XXXX, containing inconsistencies in dates, balances, XXXX account status across all XXXX major credit reporting agencies. This is an ongoing violation that continues XXXX cause measurable harm XXXX my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My loan was forgiven in XX/XX/XXXX. My loan reappeared in XXXX. With late charges to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
I failed to give XXXX the right EM address so they requested my ID. I sent it to them, It was Verified. Went to use my card it was declined. Called them up to ask why they said I had to send my ID Again when they already have my ID on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Subject : Formal Complaint : Stalled Refund Processing and Mismatched Account Balance XXXX XXXX Description of Issue : I am filing this formal complaint regarding a significant delay in the processing of my student loan refund following a discharge. The student aid feedback system has been down for some time, so I am making this complaint here. As of XX/XX/year>, my Total Current Balance with Aidvantage shows as {$0.00} ; however, my individual loan ledgers continue to show negative balances totaling {$8800.00} ( Loan XXXX : - {$1700.00} ; Loan XXXX : - {$2200.00} ; Loan XXXX : - {$1800.00} ; Loan XXXX : - {$3000.00} ). In XX/XX/year>, I received a manual phone call from an Aidvantage representative to complete Address Verification for the issuance of this refund. Despite successfully verifying my information over 90 days ago, no " Refund '' or " Adjustment '' line items have appeared on my account history, and no check has been issued by the U.S. Treasury. This " mismatched '' state indicates an administrative stall between the servicers internal ledger and the transmission of the refund file to the Department of the Treasury. I have attempted to resolve this through standard customer service channels without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection XXXX charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX ( b ) XXXX the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : XXXX of the debt, including the original signed contract or agreement bearing my signature. The complete payment history XXXX itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority XXXX collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, XXXX contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing a complaint regarding an unauthorized debit card transaction that was denied twice, by Chime Financial , Inc. without a meaningful investigation. I reported my debit card as lost and did not share my card, PIN, or account access with anyone. The disputed transaction was a {$47.00} charge at XXXX on XX/XX/year> at XXXX XXXX. I provided documentation showing that I completed a XXXX delivery at XXXX XXXX in XXXX XXXX. The XXXX location is approximately XXXX minutes away, making it physically impossible for me to have made this purchase XXXX minute later. Despite this evidence, my claim was denied twice with only generic form responses and no explanation of the specific evidence used to determine that no error occurred. I also requested documentation of the investigation under Regulation E but was only provided a general summary and my bank statement, not the actual evidence relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint against Shellpoint/Newrez regarding my home equity loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. I was charged {$50.00} each day on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX under the description Other Fees assessments. These charges were assessed with no prior notice, no valid explanation, and no authorization from me. I am requesting a full investigation and immediate correction of these charges. Please require the company to provide : A detailed explanation for each {$50.00} charge. The specific loan document, contract language, or policy authorizing the fees. Copies of any notices they claim were sent before the charges were assessed. A refund and reversal of any charges that are not properly authorized. I believe these fees may be improper, unsupported, and potentially deceptive because they were added repeatedly without explanation. I want the charges removed from my account and my loan records corrected.

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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Credit Collection Services regarding unlawful and inaccurate reporting of a collection account on my consumer credit report. Account Details : Creditor/Collector : Credit Collection Services Reported Balance : {$640.00} Reported Open Date : XX/XX/year> This account is being reported as a third-party collection account and is in violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 1. Failure to Provide Proper Debt Validation FDCPA 809 ( 15 U.S.C. 1692g ) Credit Collection Services has failed to provide proper validation of this alleged debt. I have not received : A signed agreement or contract bearing my signature A complete chain of title demonstrating legal ownership of the debt Documentation showing how the balance of {$640.00} was calculated Without this required validation, they have no legal right to collect or report this account. 2. Misleading Reporting of Open Date Potential Re-Aging Violation ( FCRA 1681c ) The account is being reported with an Open Date of XX/XX/year>, which is misleading and does not reflect the true Date of First Delinquency with the original creditor. This creates the false impression of a newer debt and may constitute illegal re-aging, which is prohibited under federal law. 3. Violation of FCRA 1681s-2 ( a ) Inaccurate & Incomplete ReportingThe information being reported is inaccurate and incomplete, including : Misrepresentation of account age and history Failure to provide original creditor details Inconsistent or unverifiable account status Credit Collection Services is required to report only information that is complete and accurate, which they have failed to do. 4. Lack of Permissible Purpose FCRA 1681bCredit Collection Services must demonstrate a permissible purpose and legal authority to report this account. Without verified ownership and proper documentation, their reporting constitutes unauthorized furnishing of consumer information. 5. Failure to Meet XXXX XXXX Compliance StandardsThis account appears to be reported inconsistently with XXXX XXXX standards, particularly regarding account dates and status. This raises serious concerns about the reliability and legality of the data being furnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I received a letter and a rude call regarding I have to pay this debt or else in XXXX so I sent a debt validation letter to national credit system and they sent back that the company validated it and no proof on their end, than it was sent to the wrong address the response letter, than the only thing they did was change the amount that they originally asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am filing a formal complaint against Spring Oaks Capital LLC regarding unlawful and inaccurate reporting of a collection account on my consumer credit report. Account Details : Creditor/Collector : Spring Oaks Capital LLC Reported Balance : {$2400.00} Reported Open Date : XX/XX/year> This account is being reported as a third-party collection account and is in clear violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Failure to Provide Proper Debt Validation FDCPA 809 ( 15 U.S.C. 1692g ) Spring Oaks Capital LLC has failed to provide proper validation of this alleged debt. I have not received : A signed agreement or contract bearing my signature A complete chain of title showing lawful ownership of the debt Documentation proving the amount of {$2400.00} is accurate and legally owed Without this required validation, they have no legal right to collect or report this account. Misleading Open Date / Illegal Re-Aging FCRA 1681c The account is being reported with an Open Date of XX/XX/year>, which is misleading and does not reflect the true Date of First Delinquency with the original creditor. This creates the false appearance of a new account and may constitute illegal re-aging, which is strictly prohibited under federal law. Violation of FCRA 1681s-2 ( a ) Inaccurate and Misleading Reporting The information being furnished is incomplete and inaccurate, including but not limited to : Misrepresentation of account age Lack of original creditor information Failure to accurately report the status and history of the debt Spring Oaks Capital LLC is obligated to report only information that is complete and verifiable, which they have failed to do. Lack of Permissible Purpose FCRA 1681b Spring Oaks Capital LLC must demonstrate a permissible purpose and legal authority to report this account. Without verified ownership and proper documentation, their reporting constitutes unauthorized furnishing of consumer information. Failure to Meet XXXX XXXX Reporting Standards The manner in which this account is being reported appears inconsistent with XXXX XXXX compliance standards, particularly regarding the reporting of open dates and account status. This further confirms the data is unreliable and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a couch on XX/XX/XXXX in less the a month the reclines buttons stop working and the couch is peeling I contacted XXXX XXXX XXXX in XX/XX/XXXX they sent a technician toy house XX/XX/XXXX. The technician said that he will order the part to fix the issue. After XXXX month pass nobody call me so I called XXXX XXXX XXXX to find out when is the technician is coming to fix it because it's been 1 month since he told me he will order the parts to fix the couch tgars when the representative told me that they can't find the part to fix it and they can't give me another couch because the couch I have I discontinued, I asked them to pick it up and give me my money back the representative told me that she can't pick up the couch and they will give me store credit so I told her that I don't trust XXXX XXXX XXXX product because they don't work properly I prefer my money back to buy from another company since their products is no good so they refused to pickup the couch and they refused to give my money back. I contacted my credit card company and file a dispute with no evidence they favor XXXX XXXX XXXX and tget want me to pay it I evtold my credit card company that I have recorde conversations with XXXX XXXX XXXX about them refusing and they told me that they can't used it and they close the dispute. So I ask chase credit card to reopen the dispute and the chase employee told me to email XXXX XXXX XXXX instead of talking to them it so I email XXXX XXXX XXXX and my credit card did not even wait for XXXX XXXX XXXX response to my email and they close the dispute for the second time without any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/year> I attempted to tranfer XXXX into XXXX of my accounts to cover a check I received that was written on a closed account. ( This was not my error ) When I attempted the tranfer, I received and error message. I tried several more times ( once for XXXX and again for XXXX ) and none od my tranfers went through. I logged in XXXX hour later to try again to discover my account was overdrafted by XXXX and some of my money was missing. I immediately called USAA to inform them of this error. The agent on the phone also attempted a transfer of XXXX and that money also disappeared. I filed a complaint with the dispute department at which time I was told it was a system wide error and would have it resolved and refunded by the end of the day. Today ( XX/XX/year> ) I still have no money and USAA is telling me all my money was refunded. It was absolutely not. Below is the starting balances in my account when I attempted this transfer. Main checking ( XXXX ) XXXX Secondary checking ( XXXX ) XXXX Savings ( XXXX ) XXXX When they supposedly " fixed '' the problem- Main checking - XXXX Secondary checking - XXXX Savings - XXXX I somehow lost every dime in my regular account, overdrafted by an additional XXXX dollars and USAA is saying that everything is fixed. I'm still short XXXX. They refuse to give me any information, and just keep insisting everything is fine. I have spent hours on the phone begging these people to refund my money. I have had this account for XXXX years and my Secondary ( my husbands ) we have had for almost XXXX years. I have never overdrafted my accou t and certainly not by XXXX dollars. This was a system error ( their words ) that affected multiple people with missing money and deposits. I have bills due and need this money. Please help.

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 2026-04-01 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: NY

Complaint narrative:
XX/XX/year>, I went to a beauty supply store to make a purchase but the cashier had a previous customers order still on the register that they didnt get. The cashier without thinking placed my order {$51.00} with the other customers items {$380.00} and had me swipe my card for everything {$430.00}. He realized and tried to refund me from the register. After 6 days i noticed no movements so contacted my bank and Capital One informed me there was no refunds coming in. I filed a dispute on XXXX XXXX but i had mistakenly given the wrong amount of {$370.00}, I looked back at my receipt called Capital One immediately and reported it to them XX/XX/year>, I was asked to send the receipt in via link which was done on the XXXX. The agent i spoke to informed me its not a problem she will correct the amount so it matches the receipt. After 2 days i got no emails so i checked and noticed my case was closed and the letter stated, customer will be held responsible and no documentation was sent in. I called in 3 times after that and disputed the charge again on the XXXX, not only was i trying to get my refund through capital one, i also tried going back to XXXX XXXX and the cashier tried to refund me three different times through the cashier between the days i called Capital one. I believed i was being scammed at the supply store and i reported it to capital one that i do not believe they are trying to refund me. The agent i spoke to was rude and uncaring, i was told i need to go back for a receipt that shows the amount i should have been charged. This was impossible seen as my order was merged with something else so all that was done was a separate refund transaction by me tapping my card seen as this all was done via apple pay. Nevertheless, I dealt with an agent that lacked empathy and experience with these cases. This issue has not only affected my credit score by XXXX points but it still hasnt been resolved and i was told by capital one they arent able to do anything because the case wont reopen. How unprofessional and uncaring, Im distraught and disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: FL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a payment plan agreement and the subsequent permanent restriction of my account despite my full compliance. In XX/XX/2025, I entered into a structured payment plan with Capital One to bring my account current. I was instructed to make a series of payments under that agreement, which I completed in accordance with the terms provided to me. I made each payment on time on my end, acting in good faith and in reliance on the representations made by Capital Ones representative that successful completion of the plan could allow my account to be restored. Capital One is now claiming that XXXX of the payments was received XXXX day late due to processing timing and is using this as justification to permanently restrict my account. This alleged delay was not within my control, as I initiated the payment within the required timeframe. I contacted Capital One multiple times to resolve this issue. During a subsequent call, a representative reviewed my account and explicitly confirmed that I had fulfilled the requirements of the payment plan. A case was opened based on this confirmation, yet no corrective action was taken. I escalated the matter to a supervisor, who acknowledged the prior case but stated that the account would remain permanently restricted regardless of my compliance and the prior confirmation provided by Capital Ones own representative. This situation reflects a failure by Capital One to properly honor the terms communicated to me and a failure to correct an issue after acknowledging it internally. I relied on the information provided by Capital One when making these payments, and I fulfilled my obligations in good faith. Penalizing me for a processing delay outside of my control, while simultaneously disregarding prior internal confirmation of compliance, is both unreasonable and inconsistent with fair servicing practices. I am requesting that Capital One conduct a thorough and good-faith review of this matter, including a review of call recordings and internal case notes, and reinstate my account or provide an appropriate resolution that reflects my compliance with the agreed-upon terms. If necessary, I am prepared to provide documentation and further detail supporting my position.

Company response to consumer: Closed with explanation