vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Discover Credit Card regarding ongoing wrongful and improper billing practices on my credit card account, which was paid in full and closed in XX/XX/year>. 

There was no activity on this account for months beginning in XX/XX/year>. No purchases, cash advances, or transactions were made. In XX/XX/year>, I made a payment that brought the account balance to XXXX. At that time, there was no remaining balance due. I was not properly notified in writing via U.S. Mail that the account had been closed by Discover, nor was I advised of any outstanding obligation. 

Despite there being no activity on this account for months since XX/XX/year> and despite the account being paid to a XXXX balance in XX/XX/year>, this financial institution has continued to wrongfully assess late fees, interest charges, collection fees, and additional fees. These charges were applied without proper written notice and without justification. As a direct result of these improper actions, the account now reflects a balance exceeding XXXX XXXX dollars, comprised entirely of fees that should not have been charged. 

Under federal law, including the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, credit card issuers are prohibited from charging monthly maintenance or inactivity fees on closed accounts and can not declare an account in default simply because it has been closed. The continued assessment of fees under these circumstances raises serious concerns about compliance with federal consumer protection laws. 

This account must be immediately cleared of all late fees, interest charges, and any and all additional fees assessed from XX/XX/year> through the present, prior to any demand for payment. The balance should be corrected to reflect XXXX, and written confirmation of these corrections must be provided. Any negative credit reporting resulting from these improper charges must also be removed. 

If this matter is not resolved promptly, I will escalate this issue and file an additional complaint with the Federal Reserve System requesting a formal investigation into unfair practices, discrimination, and violations of federal law. 

I respectfully request a thorough investigation and immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing an unauthorized charge from XXXX XXXX XXXX ( Account # [ XXXX ] ) totaling $ [ XXXX ]. While I was a user of the cell and XXXX XXXX XXXX the impression that an account was being established by my ex-husband, I was never informednor did I authorizethat the account would be opened in my name or linked to my credit. 

This situation is the result of a clerical error by XXXX XXXX XXXX during the account setup process, where my personal information was incorrectly used as the primary account holder without my consent. I filed a formal dispute through XXXX, which was completed on XX/XX/year>, yet XXXX XXXX XXXX incorrectly verified the debt as my legal responsibility. 

I have since obtained written confirmation via text message from my ex-husband, the individual who initiated the account setup, stating he does not recognize these charges. I did not sign any service agreements or authorize a credit pull for this account. I am requesting that XXXX XXXX XXXX  correct their records to reflect the intended account owner and remove these charges and any associated negative remarks from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Mazda Financial Services XXXX TX XXXX XXXX ( XXXX ) XXXX Subject : Formal Dispute Of DEBT-Demand PROOF OF ASSIGNMENT OF CONTRACT To whom it may concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment of contract from the original creditor. Until you provide this documentation, you are prohibited from any further collection attempts under federal law. 

DEMAND FOR PROOF OF LEGAL ASSIGNMENT Pursuant to 15 U.S.C. 1692g and UCC 9-210, I am requesting : 1.A copy of the original Contract- Provide a signed agreement between me and the original creditor that legally binds me to this debt.

2.Proof of Assignment or Sale of Debt-Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect.

3. Documentation showing that I am legally obligated to pay this debt.

4.Proof that your agency is authorized to collect on this debt. 
5.The date of default and the date of last payment.

Until you provide proper validation of this debt, you must cease collection activities as required by federal law.

This letter is not an acknowledgment of liability of this debt.

3.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Good morning, I am writing regarding an account with Synchrony Bank that originally reflected a {$300.00} balance. In 2020, I contacted the company and we agreed on a settlement amount. That agreed amount was paid, and the account was satisfied in full. I received written confirmation from the company stating that the balance had been resolved. 
Despite this, the account is still appearing on my credit report. Since the balance was settled and confirmed as paid in full, I am respectfully requesting that this account be updated and removed from my credit file. 
I am prepared to provide copies of the settlement letter and proof of payment for your review. 
I would greatly appreciate your prompt assistance in resolving this matter. Thank you for your time and attention. 
Sincerely, XXXX 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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Around XX/XX/year> i became aware that this company places a collection account on my credit report. I did not receive any prior written notice or validation of the debt. 

I have not been provided with documentation showing that this debt is mine. Despite this they company reported the account to the credit bureaus, causing harm to my credit I am requesting that this account be properly removed immediately.

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 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXXOne Advantage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Request for Debt Validation  Reference XXXX XXXX XXXXTo Whom It May Concern: XXXXI am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. \n\nTherefore, my request is twofold validation of debt and HIPAA authorizationI am writing in response to your claim regarding an alleged medical debt. \n\nThis letter is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g. \n\nPlease provide the following: \n\nProof that I am legally obligated to pay this debt, including a copy of any agreement bearing my signature. \nThe name and address of the original medical provider, along with the date of service(s). \nAn itemized statement of all charges, payments, adjustments, and the amount you claim I owe. \nProof of your legal authority to collect, including your license information and whether you are authorized to collect in my state. \n\nDocumentation that this debt is not time-barred by the statute of limitations in Georgia. \n\nA copy of any assignment or transfer agreement that gives you the right to collect this debt. \n\nUntil you provide the above documentation, this alleged debt is disputed.\n\nUnder the FDCPA: You must cease all collection activities until proper validation is provided. You may not report this debt to any credit bureau, and if it has already been reported, you must request its removal until validation is completed. Please note that I am keeping detailed records of all correspondence for my records. If you cannot provide the requested proof, you must cease all collection efforts and remove any related information from my credit file. This letter is not an admission of liability and does not waive any of my rights under federal or state law. \n\nSincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I tried to open account with marcus and they ask me to give them a call, I called them and get all my information verified, but they need to send a one time passcode to my phone number, I don't know what is wrong with their system, their system refuse to sent text message to my phone number with XXXX  mobile, I already used this number for over 6 years and all other banks can validate this number. They refuse to give me the reason and refuse to open account for me simply because they can not send text to my number. And they do not have any alternative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: KY

Complaint narrative:
I REQUESTED A DEBT VALIDATION TO A COLLECTION AGENCY, THEY RESPONDED WITH INCOMPLETE INFORMATION AND UNVERIFIED INFORMATION, BY LAW THIS HAS TO BE REMOVED FROM MY CREDIT REPORT AND THEY KEEP REPORTING AS BAD FAITH.. I WILL ATTACH ORIGINAL DEBT VALIDATION LETTER, ALL INFORMATION REQUESTED AND DEBT COLLECTOR 1ST RESPONSE AND 2ND RESPONSE. AND CONTACT WITH MISSING AND INACCURATE INFORMATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: NJ

Complaint narrative:
This was my first-ever credit card. 
My account experienced returned payments due to an autopay being linked to the wrong bank account, not due to refusal or inability to pay. 

Once notified, I immediately corrected the issue and paid all balances in full. Despite this, my account was permanently closed without warning or an opportunity to resolve, which is especially concerning for a first-time credit user. 

I am requesting confirmation that my account is reported as paid in full, with no late payments, and that no negative or misleading credit reporting results from this closure. 
I did not receive any notification, warning, or request for correction prior to my account being permanently closed. 

The only communication I received was a letter sent after my account had already been closed, which removed any opportunity for me to resolve the issue beforehand. 

Given that this was my first-ever credit card, and that all balances were promptly paid in full once the autopay error was discovered, I believe the lack of advance notice and remediation opportunity was unfair and disproportionate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank Failure to Resolve Billing Dispute I am filing this complaint regarding Synchrony Banks failure to properly resolve a billing dispute involving a {$3400.00} Amazon transaction. I purchased a pre- owned XXXX XXXX XXXX Watch through Amazon then returned it using Amazons prepaid return label. The return was shipped via XXXX and delivered to Amazons fulfillment center in XXXX, XXXX  on XX/XX/XXXX, as confirmed by tracking number XXXX and Amazons automated email. I complied with all return procedures. Responsibility for the package transferred to Amazon upon shipment using their label. Months later, Amazon alleged for the first time that the return was received in an empty box. I was not notified at the time of receipt and was never provided with photographs, inspection reports, weight records, or any supporting documentation despite opening XXXX XXXX Amazon claims. I contest the allegation that I returned an " empty box ''. As every XXXX package is weighed before transport, Amazon could use this information to determine the contents of the package. 

Instead, my due diligence leads me to speculate what actually occurred is this : this was a one-of-a-kind, pre-owned luxury item. Amazon 's webstie listed is " only 1 left ''. A watch matching the same description later appeared on Amazons website AFTER I returned the watch. Subsequently this watch with matching description was sold, listing showed " out of stock ''. This could indicate that the returned item was likely received and re-entered inventory. Amazon has refused to refund me and has not produced credible evidence to support its claim. 

I filed a billing dispute with Synchrony Bank. However, Synchrony failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. Instead, it relied on Amazons unsupported assertion without requiring documentary proof. Synchrony has failed to substantiate Amazon 's position. I've attached the last correspondence from Synchrony Bank. As a result, I have been wrongfully held responsible for {$3400.00} despite properly returning the merchandise. 

I am requesting the CFPB 's involvement to require Synchrony Bank to : 1. Conduct a proper reinvestigation. 

2. Issue a permanent credit refund in the amount of {$3400.00} if the investigation can not substantiate Amazon 's claim or it is found that Amazon did receive the watch back. 

I have acted in good faith throughout this process and exhausted Amazons internal remedies. I am seeking regulatory assistance to enforce my rights under federal consumer protection law. 

Thank you for your assistance.

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 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
1. On or around XX/XX/year>, I received a letter from a non-interested 3rd party solicitation notifying me that a lawsuit had been filed against me. 
2. On XX/XX/year>, A demand for validation of purported debt/cease and desist letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/year>, A demand for validation of purported debt/cease and desist letter was received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. On XX/XX/year>, I retrieved from my box, a communication dated XX/XX/year>, that XXXX, XXXX XXXX XXXX XXXX. would NOT be providing validation of purported debt, nor ceasing to desist from collection activities prior to obtaining validation of a purported debt, instead " they will be seeking to establish the validity of the debt via the court proceeding. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Around XX/XX/year> i became aware that this company places a collection account on my credit report. I did not receive any prior written notice or validation of the debt. 

I have not been provided with documentation showing that this debt is mine. Despite this they company reported the account to the credit bureaus, causing harm to my credit I am requesting that this account be properly removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I specifically asked whether the {$4900.00} credit was provisional or subject to reversal before withdrawing the funds. I was informed that the funds were not provisional and that they were mine to withdraw. Based on that representation, I withdrew the funds. A few days later, the bank debited the same amount and made the account negative. I have requested a detailed written explanation of the reversal, copies of the investigation findings, and any documentation relied upon in making that determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Transunion ignored my dispute requests saying that the debt has been validated to them but have failed to prove the validation to me. When I submitted my dispute they immediately responded saying that new information had to be shown or the request would not be looked into. I submitted with new information and they sent back information saying that the Unfortunately, we did not receive dispute results for this account. To ensure that you have the most complete and up to date information, please visit www.transunion.com/get-credit-report to view a free copy of your current credit report but have refused to remove the negative information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson capital has to remove this immediately XXXX XXXX MUST REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I submitted a formal dispute to the company on XX/XX/2026 about a late payment reported on my account. I requested evidence that they had sent my billing statement at least 21 days before the due date and proof of any required late payment notice. To date, they have not responded or provided the request documentation. I'm now filing this complaint with the CFPB because the company has not addressed my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
XX/XX/year> I got a text saying my XXXX XXXX  account was being charged an amount and location I did not approved. ( which will be provided in attachments ) Next I get a call stating they were here to help with the unapproved transactions. On the phone they fixed the td issue but if you bank with anyone else you should check. I tell them thank and that I use SoFi. They say no worries we can get that fixed as well. Transfer me to another gentlemen and ask the same question all the bank asked as well. Phone hangs up. Calls back, ask to FaceTime and share my screen to help move my money around and ask to send to him and it will go right back. Thinking this was SoFi an that they are online banking only I listened. I call SoFi back and they state it wasnt them. So now you see I lost all my money. 

XX/XX/year> payment to XXXX XXXX XXXX I do not know this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband referred me for Capital One Venture Card and I thought I had to spend {$4000.00} in 4 months but it was supposed to be {$4000.00} in 3 months. 

I called today and saw that XXXX points were not added to my account and it was my mistake so I cancelled the card and requested my annual fee refund. Today i was told that annual fee can not be refunded unless it is requested in 39 days. 

When singing up there was no explicit message that stated that I had to cancel within 39 days to get annual fee refund. 


My closed credit card number is XXXX

Company response to consumer: Closed with explanation