vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TransWorld Systems is reporting a collection account on my credit report related to XXXX XXXX. I disputed the account with Experian on XX/XX/year> and again on XX/XX/year> requesting validation of the alleged debt, including the original service agreement, billing records, and documentation showing that TransWorld Systems has legal authority to collect and report the account. The account has been updated with Experian but no documentation validating the debt has been provided. Under FDCPA 809 ( b ), I requested validation of the alleged debt. Continuing to report a debt without providing documentation may violate FDCPA 807, which prohibits false or misleading representations in debt collection. Additionally, under FCRA 611 and FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 8 ), furnishers of credit information must ensure that the information they report is accurate and must investigate disputes regarding the accuracy of the information. Because the collector has not provided documentation verifying the debt or their authority to report it, I am requesting deletion of the TransWorld Systems collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding a collection account that is being inaccurately reported on my credit report. XXXX XXXX is currently reporting a collection account under my name for a debt in the approximate amount of {$460.00}. This information is inaccurate because this debt was already paid in full. Acct # XXXX Despite the account being satisfied, the collection agency continues to report this account in collections on my credit report. Reporting a paid debt as an active or derogatory collection is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies are required to report information that is accurate and complete. Continuing to report a paid debt as an outstanding collection does not meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: TX

Complaint narrative:
I am disputing the accuracy of this collection account. I previously asked for validation, but the company has not provided the requested documentation. I asked for proof of the original contract, chain of ownership, and accurate dates, but I have not received them. Without this information, the debt can not be verified as mine. I request the company either provide full validation or remove the account from my credit report. This has impacted my credit, and I need resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding a collection account that is being inaccurately reported on my credit report. XXXX XXXX is currently reporting a collection account under my name for a debt in the approximate amount of {$460.00}. This information is inaccurate because this debt was already paid in full. Acct # XXXX * * * * Despite the account being satisfied, the collection agency continues to report this account in collections on my credit report. Reporting a paid debt as an active or derogatory collection is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies are required to report information that is accurate and complete. Continuing to report a paid debt as an outstanding collection does not meet this standard.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding a balance that accumulated on my credit account after I followed the instructions provided in a written notice from the company. On XX/XX/year>, I made a payment of {$64.00} because the letter I received indicated that this amount was due and that my account would be closed. Based on the wording of that notice, I reasonably believed that paying the stated amount would resolve the remaining balance and that the account would be closed with no further action required on my part. After making the payment as instructed, I did not receive any additional letters, statements, or notifications informing me that a balance remained or that additional payments were required. Months later, I discovered that the balance had grown to approximately {$500.00} due entirely to late fees, interest, and past-due penalties. Because I relied on the written notice and paid the amount requested at the time, I believe the accumulation of these fees and interest is unfair and resulted from a lack of clear communication regarding any remaining balance. I am requesting a goodwill adjustment to remove all late fees, penalties, and accrued interest associated with this situation and to correct the balance accordingly. I acted in good faith by paying the amount specified in the notice I received, and I should not be penalized with hundreds of dollars in additional charges when I was never notified that a remaining balance existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Professional Misconduct and Unlawful Withholding of Funds ( {$69.00} ) I am filing a formal complaint against Cash App ( Block, Inc. ) regarding an unauthorized hold on my funds and gross professional misconduct by their management team. On Monday night, I cancelled an XXXX order totaling {$69.00}. XXXX confirmed the order is cancelled and the authorization has been voided. Despite this, Cash App continues to hold my funds in a " Pending '' status. On XX/XX/year> I spoke with a Cash App supervisor to resolve this. During the call, the supervisor informed me I was being recorded. When I stated that I was also recording the call for my own protection and record-keeping, the supervisor became combative, stated I did not have " permission '' to record her ( despite her recording me ), and abruptly hung up the phone. This supervisor failed to provide a transaction ID, a release date, or any professional assistance. Because of this predatory behavior and the lack of basic customer service, I have already moved my primary banking to XXXX and emptied my account to a {$0.00} balance. I demand the following : 1. Immediate release of my {$69.00} hold. 2. A formal review of the recorded call to address the supervisors unprofessional conduct and the act of hanging up on a customer. Transaction Details : Amount : {$69.00} Merchant : XXXX Status : Cancelled by Merchant / Pending by Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from LVNV Funding llc in the amount of {$670.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Allied interstate LL in the amount of {$1400.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: HI

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Jefferson capital systems llc in the amount of {$300.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Previous account with Fraudulent Charge and was closed by year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Complaint regarding blocked funds and lack of communication from JPMorgan Chase Bank To the Consumer Financial Protection Bureau, I respectfully submit this complaint regarding JPMorgan Chase Bank , N.A . concerning funds that have been blocked for an extended period of time without meaningful communication from the bank. The funds originate from a lawful international transaction involving XXXX XXXX. The payment was executed on XX/XX/XXXX in the amount of USD XXXX and was subsequently blocked by JPMorgan Chase Bank as part of sanctions compliance procedures. The matter has been internally registered within JPMorgan Chase under the following sanctions investigation references : JPMorgan Case Reference : XXXX JPMorgan Case Reference : XXXX Transaction Reference : REF XXXX Correspondent Bank XXXX XXXX XXXX These references were confirmed in a formal letter issued by XXXX XXXX dated XX/XX/XXXX. In order to resolve this matter in accordance with U.S. sanctions regulations, I submitted an application to the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) requesting a specific license to authorize the release of the blocked funds. This application was submitted in XX/XX/XXXX. The OFAC case reference is : XXXX The application is currently reflected in the OFAC portal as Pending Management Review. While I understand that sanctions compliance reviews may require time, I have repeatedly attempted to contact JPMorgan Chase in order to clarify how the bank will process the OFAC license once it is issued. Specifically, I have requested clarification regarding : the department responsible for the sanctions case the appropriate contact point for OFAC licensing matters the procedure required to submit and process the OFAC license once issued Despite sending multiple inquiries to various JPMorgan Chase contact addresses and departments, I have not received any response from the bank. As a result, the lack of communication from JPMorgan Chase is preventing any clarity regarding how the OFAC authorization will be implemented once granted. Given that the funds have now been blocked since XXXX and the OFAC licensing process has been ongoing since XX/XX/XXXX, the absence of communication from the bank has created significant uncertainty and has prevented progress toward resolving this matter. I respectfully request the assistance of the Consumer Financial Protection Bureau in helping facilitate communication with JPMorgan Chase so that the appropriate contact and procedure for processing the OFAC license can be identified. Sincerely, XXXX XXXX OFAC Case Reference : XXXX Company involved : XXXX XXXX Email XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report that I believe to be inaccurate and improperly validated. A collection account from Associated Credit Se in the amount of {$390.00} is currently appearing on my credit report. I dispute the accuracy and validity of this alleged debt and request proper investigation and validation. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying this debt, such as a signed contract, original account statements, or documentation proving I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c, debt collectors must comply with consumer protections regarding communication and collection practices. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper verification raises serious concerns about the accuracy of this reporting. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information on their credit report. The continued reporting of this account without proper verification and documentation is negatively impacting my credit profile and may constitute violations of federal consumer protection laws. Therefore, I am requesting the following resolution : 1. A full investigation into the accuracy and validity of this collection account. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Documentation showing the reasonable procedures used to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 4. A reasonable reinvestigation of the disputed account as required under 15 U.S.C. 1681i. 5. Immediate deletion of this collection account from all consumer reporting agencies if the debt can not be properly verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this alleged debt, I request that the account be removed from my credit report immediately and that all credit reporting agencies be notified of the correction. Thank you for your assistance in protecting my consumer rights and ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation