vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by EdFinancial Services LLC. 

Edfinancial reported multiple late payments on my student loan accounts for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  with some accounts adding XXXX XXXX while my loans were under an approved deferment that began XX/XX/XXXX. During this deferment period no payments were required and the accounts should not have been reported as past due. 

Despite providing documentation of my approved deferment to the credit bureaus, Edfinancial verified these late payments as accurate. Reporting late payments during an active deferment is incorrect and violates the Fair Credit Reporting Act, as the information furnished is not accurate or complete. 

XXXX  completed its reinvestigation on XX/XX/XXXXXXXX  and continued to report these late payments as verified. 

I am requesting that EdFinancial immediately correct reporting by removing all late payment notations that occurred during my approved deferment period and update the accounts to reflect a current/ never late status for those months.

This inaccurate reporting has negatively affected my credit profile and my ability to qualify for housing and credit. 

I have attached documentation showing my deferment approval dates and my credit report showing the inaccurate late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding an alleged collection debt in the amount of {$240.00}, which is being reported inaccurately and without proper notice or validation. Jefferson Capital is reporting the same alleged debt under two different account numbers across the credit bureaus, which is misleading and unlawful. Specifically, Jefferson Capital is reporting account number XXXX  to XXXX  and XXXX, while simultaneously reporting account number XXXX  to XXXX  for the exact same {$240.00} balance. A

single alleged debt can not lawfully be reported as multiple collection accounts using different account numbers. This practice creates the false impression of multiple obligations and artificially inflates derogatory information on my credit file. I have never received any written notice of this alleged debt prior to it being placed on my credit reports. I did not receive an initial collection notice, validation letter, billing statement, or any written communication from Jefferson Capital regarding
this account. This failure to provide notice before reporting is a direct violation of FDCPA 809 ( a ) and constitutes the first violation, which carries statutory damages of up to {$1000.00}. This is especially concerning because Jefferson Capital is reporting multiple collection accounts on my credit file, yet I have not received a single piece of mail from this company for any of them. 
Despite the lack of notice, Jefferson Capital continues to report this collection without providing proper validation. I have requested validation, and to date, Jefferson Capital has failed to provide any documentation establishing that this debt is valid or that they have the legal right to collect or report it. Proper validation requires, at minimum : proof of ownership of the debt, a complete chain of title from the original creditor to Jefferson Capital, a copy of the original contract or agreement bearing my signature, a complete itemized accounting of the balance, and proof that proper notice was sent prior to credit reporting. None of this has been provided. Continuing to report an unvalidated debt violates FDCPA 809 ( b ), FDCPA 807, FCRA 623 ( a ) ( 1 ) ( A ), and XXXX XXXX reporting standards requiring accuracy, consistency, and one unique obligation per tradeline. 
I have already filed a complaint with the Federal Trade Commission and a complaint with the Attorney Generals Office regarding Jefferson Capitals reporting practices. I have also consulted with a consumer protection attorney and am documenting these violations for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
They said someone used the physical card, but that is not possible as I have the physical card in my possession. I have never been to that XXXX either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
- On XX/XX/year>, the phone number XXXX contacted a phone number for an individual besides myself, who does not live in my home, and disclosed that they were looking for me in an attempt to collect a debt. In addition to illegally stating that they were calling about a debt, they were extremely aggressive with this individual. 

- This company has represented itself as XXXX XXXX  to the originator of this debt ; however, they have been referring to themselves to me as XXXX XXXX. The originator was unaware that they are functioning under XXXX separate names and/or their acquisition was not disclosed to the originator of the debt or myself. 

- On XX/XX/year>, I dialed XXXX to request contact information for this company an agent denied my request, and disconnected my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They called me several times asking me about paying this debt. The amount of this debt was XXXX  they contact me saying I owe XXXX. I asked them to stop contacting me by phone but they continue contacting me by phone. Also Ive asked them to send me whatever paperwork they have so I can respond to it in writing. They have failed to do that. These people called me every day of the week so I never had a chance to dispute anything theyre claiming also theyre reporting a bunch of negativity on my consumer report and is hiding an impact in my ability to achieve certain things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MI

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been through medical problems over the past few years, but I am now recovered. I let my accounts with your financial institution go to a charge-off status. I apologize for letting that happen. I request a letter from your company as to what department to reach and to work out a payment arrangement or a lump-sum settlement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I initiated an international wire transfer for {$6000.00} on XX/XX/XXXX, from my USAA account ( ending in XXXX ) to my own beneficiary account. The funds have not arrived within the disclosed 15-day window. I reported this error to USAA, and the bank has opened an investigation, but states it may take up to 90 days for a resolution.

I requested a provisional credit to my account while the investigation is ongoing, as provided for under Regulation E for consumer accounts when an investigation exceeds 10 business days. However, USAA representatives have explicitly stated that they have no provision for provisional credit for international wire transfers and claim this type of transaction does not fall under the consumer protection laws I cited ( Regulation E and EFTA ).

I assert that recent legal interpretations and precedents suggest that consumer-initiated online wire transfers may be covered by EFTA for the purposes of error investigation rights. Furthermore, USAA was previously subject to a consent order by the CFPB in XX/XX/XXXX for, among other things, failing to conduct reasonable error resolution investigations. 
I am requesting that the CFPB intervene to ensure USAA : 1. Provides the provisional credit to my account immediately, as the 10 business day window for investigation has passed.

2. Completes the investigation into the missing funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I sent letters to validate Charge Off accounts taken over by a collection agency 's first on XX/XX/year> and a second round of validation letter on XX/XX/year> with no response. based on Fair Debt Collection Practices Act ( FDCPA ), I believe it is my right to request verification of debt being reported on my Credit Report that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On credit report it is showing Truist credit card - I do not own this credit card nor have I owed a credit card with this bank. This does not belong to 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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management is reporting a collection account that was previously deleted from my credit report under a different collector ( XXXX  XXXX XXXX XXXX ). The debt is now being re-reported with a new open date, constituting illegal re-aging and duplicate reporting in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: LA

Complaint narrative:
On XX/XX/XXXX, I deposited a personal check in the amount of {$310000.00} into my Cadence Bank business account. The check was issued by my business partner, who owns a law firm. 

The deposit was subject to a processing period and was ultimately reflected as available funds on XX/XX/XXXX. On that same day, I visited a Cadence Bank branch and initiated a wire transfer in the amount of approximately {$9800.00} to my personal bank account. I was provided with a receipt confirming that the wire transfer request had been processed ; however, the funds had not yet been debited from my account. 

On XX/XX/XXXX, my Cadence Bank account was restricted. I was informed by the bank that there was an issue with the sender of the funds. This assertion is incorrect. I contacted the sender directly, and he confirmed that the funds had fully processed from his bank. He also provided a copy of his bank statement showing that the check amount was fully debited and completed from his account. 

No return notice, recall, or legal claim has been provided to me by Cadence Bank. Despite this, my account remains restricted, and I have not been given a clear written explanation of the basis for the restriction, the department controlling the funds, or the expected resolution timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is linked to complaint XXXX for XXXX XXXX XXXX XXXX but this complaint is with Transunion as they have not removed the debt from their credit reporting despite the fact that it is not my responsibility and fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
A XXXX collection account from IC System appeared on my credit report. I do not recognize this debt and have no knowledge of the account they are reporting. I disputed the account with the credit bureaus multiple times, but the company continues to verify it without providing any documentation.

I requested validation from the company, including proof that I am the responsible party, the service address, the dates of service, and any documents showing I agreed to or used the service. They have not provided any of this information. 
Reporting a debt I do not recognize is inaccurate and is harming my credit profile. I am requesting that IC System provide full validation or remove this account from all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank allowed my account to go into the negative the ENTIRE relationship. My account was closed and charged off with {$130.00} in it due to them allowing a {$0.00} account balance to be charged with autopays. THEY HAVE NO PERMISSION TO HAVE ALLOWED THIS. I did not have over draft protection as many of their staff have said on recording and documented into the system. I had no choice but to pay the amount as I did not want my financial heath to be jeopardized by their greed! This is all a tool for them to get money from their customers. One of the representatives had the audacity to tell me I BENEFITED from them overdrafting my account because it was days later that the money was put back. Imagine, for example, an $ XXXXoverdraft being added to your account and you being paid {$200.00} do you still feel a benefit when your account is {$100.00} shorter than you expected due to Chase going out of their way to make money off of you? The bill was originally more than {$130.00} but they only credited some of the money. The icing on the cake is them charging the account off. Everybody I spoke with to try and erase this balance said nothing but the same XXXX Chase felt Chase this Chase that, how does a banking company who doesnt put any money INTO my account decide whats to be taken OUT? Oh and the excuse of I needed to cancel the autopay with the merchant is such a joke! I also called Chase in the past to have them block merchants and do you know they told me they would have to CHARGE ME?! I wouldnt recommend this bank to a speck of dust. All they do is find ways for you to owe them. I have other banking accounts and a bank charging AND allowing overdrafts with a {$0.00} balance has never occurred debit or ACH. Immediate decline! Chase isnt hurting for {$130.00} my money needs to be refunded, as I said to everyone that was not on me to allow that to happen. The recordings will show everyone putting their foot in their own mouths about Chases responsibility in this. I tried in the past to not only have these overdrafts STOPPED but to block the merchants and they wanted money from me. This bank is unethically and immorally doing business! I cant even see my statements anymore to show proof of this foolish relationship but they can go and run those calls back! Im happy the account is closed that was the plan with this bank, just give me my money BACK and we can be done for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a debt collection account reported on my credit report by Online Collections dated XX/XX/year>. 
I do not recognize this account and have not received any prior written notice or documentation about this alleged debt. Because I do not have an account number or details regarding the debt, I contacted the collection agency multiple times to request debt validation and information about what this account relates to. 
During my first phone call, the representative informed me that they could only assist me if I provided my full Social Security number. Due to identity theft and privacy concerns, I declined to provide my SSN and instead requested that a debt validation letter be mailed to me. I was told they could not help me without my Social Security number. 
I called again on a separate occasion and was given the same response that they would only send a validation report if I provided my Social Security number. When I refused and again requested validation by mail, the representative stated he could not help me because many have the same name, and he stated, " Without that, I can't help you. '' He then stated, " Have a good day, and disconnected the call.

Shortly after that second call ended, I received two calls from unknown phone numbers. While I can not confirm whether those calls were related to this company, the timing raised concerns about how my contact information may be handled or shared after I refused to provide sensitive personal information.

I believe this practice is improper and may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). A consumer should not be required to disclose a full Social Security number over the phone to receive basic information or written validation of a debt being reported on their credit file. 
I am requesting : Written validation of this debt, including the name of the original creditor, the account number, the amount owed, and documentation showing that I am legally responsible for this debt. 
An explanation of why this account was placed on my credit report without me receiving proper written notice or validation. 
That the collection agency stop requiring my full Social Security number as a condition for providing legally required debt validation. 
If the company can not properly validate this debt, I am requesting that the account be removed from my credit reports. 
I am concerned about the security of my personal information and do not feel comfortable providing my Social Security number over the phone to a debt collector simply to learn what this alleged debt is. I respectfully request that the CFPB investigate this matter and ensure this company complies with federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: IL

Complaint narrative:
Approximately around XX/XX/year> ( don't remember the exact date ) I found out that the Key-bank card issued by the XXXXXXXX XXXX XXXX was not working when I tried to purchase a candy bar. At the time I had approximately {$19000.00} on the card because I was not withdrawing from the card. So I called Keybank and asked what was the problem and they said someone called in for another card to be sent to another address. I told them I made no such call because I have a lease and my address was not changing so if anyone has called to receive cards at another address then it is not me. So from that time til XX/XX/year> I was calling Keybank fraud department and I kept telling them I will not move if someone request a card it is not me. Key bank nevertheless kept sending cards to other addresses other than mine. Also online someone was withdrawing money in XXXX XXXX and XXXX XXXX. I received only 1 card from keycard from the time I first called key bank XXXX department and I was able to make 4 withdrawals in them amount of {$2900.00} that's including the fees. Every time they issued me a card by the end of the day it was deactivated because they sent out another card to someone else. This dragged out for about 7 months til all the money was gone my money by the way. I just gave up because Key bank kept giving my money to a scammer. Every time I called the fraud department, it was someone working from home. How can a bank have employees working from home handling huge accounts. I called the XXXXXXXX XXXX XXXX unemployment hotline and they basically told me that was my problem to take up with key bank. How could they not recognize that there was fraud going on with all the cards that kept getting sent out to different locations. I remember one day I called Key bank and they sent out 2 cards to 2 different locations in one day. So I have got ripped off over {$16000.00}. How did Key-bank not recognize the fraud when you had withdrawals from different states. I gave up calling keybank in 2022 because I got tired of talking to them to no avail. So I basically don't know what to do. At one time they said they can issue me a check the upcoming month, called the beginning of the month guess what happened, they said they can't do it. How do you have a professional department dealing with fraud and kept sending out cards when I told them to shut down the account, I don't understand. It made me think it was a inside job. Attached is the only withdrawals that I was able to make with the date, banks, atms with the amounts. All these withdrawals in my neighborhood where I live. I will also attach a page with some of the scams and locations.

Company response to consumer: Closed with monetary relief