vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I don't recall ever receiving a notice from this company trying to collect a debt from XXXX XXXX XXXX On top of this, this company has reported the account on my credit reports. This is known as debt parking by the FTC. I have disputed the account and it came back verified as accurate without providing me any documentation to verify the debt. I demand that this company show me proof that they sent me an initial notice pursuant to the FDCPA 1692g by providing the green return receipt or the shipping number of the collection/dunning letter. I also demand that this company provide me with proof of the alleged debt such as a copy of the contract and all the statements. Lastly, I demand that this company provides me proof that they are legally allowed to collect pursuant to New York state laws and the FDCPA by providing a copy of the purchase agreement or assignment agreement. Otherwise I demand that they delete the account from my credit reports.

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate personal data from my credit report, as it is no longer current. It is essential that you quickly delete this inaccurate personal information from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
We were victims of a wire fraud scam. We were tricked into wiring {$25000.00} from our Capital One account to a XXXX XXXX account. This transfer occurred XX/XX/year>. Once we realized it was a scam we immediately called Capital One, reported it, and asked them to cancel or reverse the transaction, or freeze the XXXX XXXX account. We're disappointed how they handled the case, and that they couldn't get our {$25000.00} back. They delayed contacting XXXX XXXX. They dragged their feet until it was too late. Subsequently we called almost every day, asking for the status and resolution. We were led to believe that our {$25000.00} would be recovered. Therefore we delayed contacting the FBI and our local police ( which we eventually did ). It wasn't until XX/XX/XXXX ( when we called ) that they said they couldn't recover our money. They supposedly assigned investigators for this case, but we were never allowed to contact them directly. Instead we had to go through their Customer Resolution Team. It was XXXX XXXX account number XXXX, routing number XXXX, name XXXX XXXX XXXX. Note that the funds were taken from our Capital One account XXXX ( now closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Issue : Incorrect balance / Unfair debt collection practices Complaint description : I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for repeatedly demanding an inflated debt amount after a formal written dispute. 
On XX/XX/XXXX, I received a written email from the lender confirming that the outstanding balance on my account ( EFA # XXXX ) was {$19000.00} and requesting a payment schedule. 
Any temporary delays in payments occurred due to a catastrophic accident involving the financed equipment, which severely disrupted business operations ; however, I remained in communication with the lender and resumed payments whenever possible. 
After I disputed the balance and requested verification, the lender ceased communication for an extended period. I later received a new demand asserting a balance of {$36000.00}, which is nearly double the previously confirmed written balance. 
Despite a formal written dispute and supporting documentation, on XX/XX/XXXX, more than 20 days after my dispute, the lender again demanded the same inflated amount without providing itemized accounting or explanation. 
The lender did not merely increase the balance it doubled the previously confirmed amount, ignored a written dispute, and repeated the incorrect demand. 

Attachments : Exhibit A Email dated XX/XX/XXXX ( Balance {$19000.00} ) Exhibit B Written dispute letter Exhibit C Demand dated XX/XX/XXXX with balance {$36000.00}

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 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to my mother 's bank ( Bank of America ) to gain access to her account, as she was in a XXXX  home. It took me seven trips to the bank to take care of this. I notified the bank that she was not going to live long and at no time did they inform me that I should have her sign a POD ( Payable upon death ) document, or have me added to her account. I talked to the staff, the manager, etc. and nobody offered this advice. Now I had to hire an attorney for almost {$4000.00} and go to court to claim my mother 's funds. After paying the attorney, there is very little money left. The bank could have provided the information to avoid this hefty attorney fee ( and a lot of my time, without pay ).

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
The date was XXXX XXXX the amount of XXXX in the payment amount to be payed back is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NC

Complaint narrative:
Started on XX/XX/year> I was suppose to get my social security and my pension in CHIME I was told it was never released into chime by chime. So called both social security and where my XXXX pension comes from and the confirmed they were released to chime. Then all of a sudden over XXXX was taken from my chime account and my account was hacked and never recovered my money. Filed a police report and signed up with XXXX identity protection. Chime still refused my claims. Im XXXX and have health issues need my money that was stolen back. Chime is giving me a hard time and keep having one after another excuss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I got a XXXX settlement payout of XXXX dollars and some change. I proved who I was and where the legal payment came from and then they decided to restrict my act and keep my money for 180 days. I called them and told them that should be illegal and it was o er XXXX dollars. I dont understand how that is legal and why over XXXX bucks. The money came from a legal and real place. I should not have to fight for that lil amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC Compliance Department Account Number ( s ) XXXX This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the above-referenced account ( s ).

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that Jefferson Capital Systems immediately stop all forms of communication with me, including but not limited to phone calls, text messages, emails, and written correspondence. 

Additionally, I dispute the validity and accuracy of this alleged debt and hereby demand that Jefferson Capital Systems immediately cease reporting, and delete any and all references to this account from my consumer credit reports with XXXX, XXXX, and XXXX. Continued reporting of this account after receipt of this notice may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including but not limited to the reporting of inaccurate or unverified information.

You are hereby instructed to communicate with me only to confirm one of the following : 1. That you will comply with this request, cease further contact, and delete the account from all consumer reporting agencies ; or 2. That you intend to pursue a specific legal remedy, if applicable.

Any further contact or continued credit reporting by your organization that does not fall within the exceptions permitted by law will be documented and may constitute violations of the FDCPA and FCRA. I reserve all rights and remedies available to me under federal and state law.

This notice is not an acknowledgment of liability for the alleged debt, nor is it a refusal to pay. It is solely a demand for cessation of communication and removal of inaccurate credit reporting as permitted by law. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
United Collection Bureau contacted me attempting to collect a charged-off debt. 

The amount they are attempting to collect does not match the balance being reported by the original creditor, indicating the amount is inaccurate. 

I am disputing the amount being claimed and requesting proper validation, including proof of authority to collect and a complete accounting of the balance. 

At this time, no validation has been provided. Attempting to collect an unverified and inconsistent amount is misleading and violates the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Some one called and asked for credit charge was authorized or not. She said she is working for chase XXXX  and charge amounts was $ XXXX. I said not mine. 
She knew my date of birth and final XXXX # of social. 
After hang up, I checked, there was no chase XXXX  card by the chase card. 
I know this is scam, but they know personal info. 
Phone # was XXXX Can you investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX, I opened a small business account with Bank of America. A little over a month later after several verifiable deposits and withdraws were made, the account was closed without any notice or additional information provided to me. When I contacted the service representative who opened the account, she DID NOT provide me with any other contact information for a higher representative to explain why my account was closed. But she put it in her notes that she did. Service representative XXXX XXXX simply told me my account was closed and I could never open another. I was not given the opportunity to understand this closure or rectify the situation. I am unable to open any account with Bank of America now and I have no idea why. I have attempted over the years to get more information and have been disregarded repeatedly. I believe my account was closed as an act of discrimination as my experiences with the service representative has always been hostile and negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting and servicing practices by my federal student loan servicer, MOHELA. 

Between XX/XX/XXXX and XX/XX/XXXX, my loans became delinquent and were ultimately reported negatively to the credit bureaus. During this period, I did not receive communication from MOHELA advising me of a balance due, payment schedule, delinquency, or collection activity. I believed in good faith that my loans remained in a deferred status. 

Although I have moved several times since graduating, my email address and phone number remained the same throughout this entire period, and I did not receive communication via either method that would have alerted me to a payment obligation or risk of default. This raises serious concerns about whether adequate notice was provided. 

Additionally, I live in XXXX XXXXXXXX XXXX and was directly affected by the XXXX wildfires, which caused significant disruption, hardship, and instability. These circumstances should qualify for disaster-related consideration and relief under federal student loan servicing standards. 

Once I became aware of the issue, I immediately began making arrangements to resolve the balance and bring my account back into good standing. I am not seeking to avoid repayment. I am seeking fair treatment, accurate servicing, and appropriate consideration of hardship circumstances. 

On XX/XX/XXXX I submitted a formal request to MOHELA for : Administrative review of communication history Consideration of disaster-related or retroactive administrative forbearance Correction of negative credit reporting Review of default status MOHELA denied my request with a generic response stating only that the reporting was accurate, without addressing : Whether proper notice was actually provided Why no email or phone communication was received Whether disaster-related relief was considered Whether servicing errors occurred I am requesting that the CFPB investigate whether MOHELA : Failed to provide proper borrower communication Failed to consider disaster-related hardship relief Failed to fairly investigate my dispute Is reporting information that is technically accurate but the result of deficient servicing practices

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
My mother got a text about a dad. I dont know why they texted her since Ive never been reached out to you before I asked them since its illegal to speak to anybody else to only speak to me about it so my mother called the next day and they gave her all my information who it was from how much it was the address that was on the account. This is illegal and should never have been done. I dont know why they did that. Ive asked them multiple times and why they did that and who I reported to, and theyre just ignoring me at this point.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management is attempting to collect a debt from XXXX XXXX XXXX  that I don't owe. They reported the account on my credit reports and when I disputed it and asked for verifying documentation, my request was ignored. Needless to say when I dispute the account with the credit reporting agencies, they " verified '' the reporting of the account. I demand to be sent a copy of the contract and all the statements as well as proof that this agency " owns '' the debt by sending me a copy of the purchase agreement and all other relevant documents that shows a transfer of my specific debt, account number and my name going from credit one to Midland Credit Management. If they can not provide all of this then I refuse to pay this alleged debt and I demand that the account is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding placed a collection on my credit report that is currently being reported by another collection agency. I was not notified by either agency of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
An identity thief changed the address on my card, and the change was made without any verification email, notification, report, etc. I received only 1 email that said " open this digital letter '' and required only the zip code of the new address that I was not aware of until manually looked up the address ( already changed by the thief ) on my account. 

The digital letter, once opened with the fraudulent zip code, informed of the change of address. I had to know the new zip code that I did not input, and no other notifications, text messages, emails, or alerts were given.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I disputed debit-card charges related to a purchase financed through a Buy Now, Pay Later provider ( XXXX ), which appeared as the merchant of record on my Chase checking account. The underlying transaction involved materially incomplete delivery and later defective goods. 
Chase denied the dispute, stating there was compelling evidence that services were rendered. When I asked for clarification, Chase representatives explained that the services referred to XXXX provision of financing, not fulfillment of the underlying purchase. 
As a result, the dispute was not evaluated on whether the goods were delivered completely or functioned as promised. Instead, the claim was effectively decided based on the existence of financing services, which does not address a dispute involving incomplete or defective merchandise. 
When I appealed and requested the evidence, dispute classification, and policy relied upon to reach the determination, Chase did not provide that information. Chase instead stated that XXXX is a third party and that the issue must be resolved with the merchant, and that Chase could not recover funds from XXXX. 
Chase declined to adjudicate the dispute on the merits and relied entirely on XXXX representations, leaving no avenue for resolution despite documented issues with the underlying transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint Mortgage advised me back XX/XX/XXXX, with an escrow analysis statement, that my escrow account included taxes and insurance, and that it was short XXXX. And they made the decision for me to increase my payment to pay the shortage. I later decided to cash in a small pension to pay the shortage in full, so on XX/XX/XXXX, I transferred XXXX to pay full amount. In the meantime, Shellpoint had already sent an email dated XX/XX/XXXX, stating they would be paying my annual taxes and would send an email after they paid them showing amount paid. However, I never received any notification, so during last week of XXXX, I followed up again only to be told that my escrow account does not include taxes.This is a huge mistake made by Shellpoint, because my escrow account at the time had over {$9600.00} and my annual insurance is only {$2800.00} per their own escrow analysis statement and my XXXX tax bill is XXXX due no later than XX/XX/XXXX. They told me during my call in XXXX to find out why my tax bill wasn't paid, that it would take 13 business days to resolve this mistake made by their company, so they did not pay my tax bill on time.

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