vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year>, I had multiple phone calls with a debt collector named XXXX XXXX from IQ Data International regarding an alleged property debt. 

Calls occurred at approximately XXXXXXXX XXXX ( XXXX minutes ), XXXX XXXX  ( XXXX minutes ), and XXXX XXXX  ( XXXX minutes ). All calls were with the same representative. 

During these calls, the representative was hostile and aggressive, including raising his voice and yelling when I questioned his tone. 

He made false and misleading statements, including asserting that I had {$1700.00} per month available to pay the debt, refusing to discuss a payment plan unless I made an immediate payment, and claiming that allowing someone to sublet a unit was illegal in Texas and that he would get me in trouble. 

He also implied legal action by stating he was contacting legal while placing me on hold, without providing any written notice or details. 

I believe this conduct constitutes harassment, false representation of legal status, and deceptive collection practices. I am requesting that this behavior be investigated and that the company be required to communicate in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened an XXXX store credit card issued by Comenity Bank. XXXX separate orders were charged to the account. Neither order was delivered, and XXXX confirmed that both orders were refunded. 

I contacted XXXX directly, and their representatives confirmed that the refunds were processed. XXXX also stated that they did not understand why the charges were still appearing on my Comenity account after the refunds were issued. 

Despite the confirmed refunds, Comenity failed to apply the credits to my account and is reporting an incorrect balance of {$250.00} and a {$63.00} past-due amount to the credit bureaus. I contacted both XXXX and Comenity multiple times to resolve this billing dispute, but the issue remains unresolved. 

This is inaccurate billing and inaccurate credit reporting. I am requesting that Comenity apply the refunds, correct the balance to {$0.00}, remove the past-due status, and update all credit bureau reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding excessive and disproportionate late fees and penalties assessed on my Kohls Credit Card account ending in XXXX. 

When this account first became past due, the underlying balance was approximately {$60.00}. Since that time, late fees and penalties have accumulated to an amount equal to or exceeding the original principal, despite no additional purchases being made on the account. 

I have already made a {$50.00} payment toward this balance and have repeatedly contacted Capital One in good faith requesting a goodwill adjustment or fee waiver so that I may resolve the remaining principal. Each request has been denied. 

Capital One recently responded only to a credit reporting dispute, stating that the late payment reporting is accurate, but failed to address the core issue raised : that the fees and penalties assessed are excessive and disproportionate relative to the original balance and lack of account usage. 

I am ready and willing to pay the remaining principal immediately upon removal of the excessive fees. I am requesting regulatory assistance to obtain a fair resolution, including reversal of excessive fees and an adjusted balance consistent with the original obligation.

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

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SELF FINANCIAL/LEAD BA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX Original Creditor : Self Financial/Lead Ba Amount Allegedly Owed : {$0.00} Dear I have seen some activity on this account noted : last activity XX/XX/XXXX. With the major credit bureaus, regarding the above-referenced alleged debtCollection/Charge-off. 
I dispute the validity of this debt in its entirety as mines! 
This is not a refusal to pay, but a notice that the debt is disputed and validation is requested pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following validation information before taking any further collection activity : The name and address of the original creditor. 
Proof that you are legally authorized to collect this debt on behalf of the original creditor ( including any agreement assigning the debt to your company ). 
The original amount of the debt when it was incurred. 
A complete itemized accounting of the alleged debt, including all payments, credits, fees, interest, penalties, and how the current amount was calculated. 
A copy of the agreement or contract bearing my signature that created the obligation to pay this debt to the original creditor.

Verification of the date of last payment and the date the account was charged off. 
Proof that the statute of limitations has not expired on this debt in my state of California. 
Your debt collector license information for the state of California ( license number, issuing agency, etc. ), as required by state law. 
Until you provide the requested validation, you must cease all collection activities, including phone calls, letters, and reporting this debt to any credit reporting agencies. 
If you fail to provide proper validation within 30 days of receiving this letter, or if you can not validate the debt, you must : Cease all collection efforts. 
Delete any reference to this account from my credit reports. 
Be advised that I will consider any further collection attempts without proper validation to be a violation of the FDCPA, and I reserve the right to take appropriate legal action. 
Please provide the above information in writing only. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: PA

Complaint narrative:
CFPB Complaint Narrative I am submitting this complaint regarding excessive and disputed fees assessed on my personal loan with Reprise Financial. 

My account reflects approximately {$530.00} in fees and charges, including late fees, returned payment fees, and deferred interest related to a prior loan modification. The cumulative impact of these fees is disproportionate and materially interferes with my ability to repay the loan in a reasonable and sustainable manner. 

Despite making continued efforts to remain current and remitting the contractual monthly payment of {$210.00}, my payments are being applied primarily to fees rather than reducing principal. This renders repayment economically impractical and prolongs the loan unnecessarily due to non-principal charges. 

I have submitted a formal written dispute to Reprise Financial requesting : A complete itemized breakdown of all fees Identification of the contractual basis for each charge Consideration of fee reversal, waiver, or reallocation Application of payments toward principal rather than fees At this time, the fees remain unresolved. I am seeking CFPB assistance to ensure : Full transparency and justification of all assessed fees Review of whether the fees are excessive or punitive Fair application of payments and reasonable options for lawful loan resolution My intent is not to avoid repayment, but to resolve and close the loan responsibly without continued hardship caused by excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding Nelnets servicing of my federal student loan, which is a spousal consolidation loan under the FFEL program. 

For over XXXX years, I have attempted in good faith to establish an affordable repayment option. This has been impossible due to Nelnets requirement that both co-borrowers submit financial information, despite the fact that my former spouse has been entirely non-cooperative and unreachable. This circumstance is beyond my control. 

Despite my willingness and ability to make reasonable payments based on my income, Nelnet has refused to offer administrative relief, income-based consideration, or meaningful alternatives. As a result, interest and penalties have accrued to the point that the required payment exceeds my monthly mortgage obligation, and Nelnet continues to report adverse credit information despite my documented good-faith efforts. 

Congress passed the Joint Consolidation Loan Separation Act specifically to address situations like this. Nelnet has not provided a clear evaluation for separation eligibility, nor has it offered administrative forbearance or credit reporting relief while this matter remains unresolved. 

I am requesting CFPB assistance to ensure : Proper evaluation under the Joint Consolidation Loan Separation Act Administrative forbearance due to impossibility of compliance Suspension of adverse credit reporting during review Acceptance of unilateral good-faith payments This situation represents unfair servicing practices and ongoing consumer harm. 

Thank you for your assistance.

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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Below is my most recent correspondence with Bank of America regarding a stolen and altered check that posted to our checking account on XX/XX/XXXX. After XXXX visits to local branches of the bank and numerous phone calls to the Fraud department, with the calls escalated to supervisors XXXX times, this problem has still not been resolved. The bank keeps closing the claim and posting the {$910.00} charge back without providing a sufficient explanation and nobody I have contacted can directly fix the problem. I finally found out yesterday, XX/XX/XXXX, after repeated calls, that the claim was being denied because the statement wasn't signed. I visited a notary at Bank of America to get the document notarized and that is why I hadn't signed it in advance. It turns out the notary notarized the document without getting me to sign it in his presence! I have now once again faxed the signed document but have no assurance that the charge will not appear again. 

=================================== SUBJECT : Forged check charged back to my account URGENT, please ESCALATE DATE : XX/XX/XXXX I am writing to clear up an issue with our checking account ending in xxxx. A check that my wife mailed was stolen from the mail and altered and deposited in an account. I immediately called the same day and a credit of {$910.00} was immediately issued. I was very satisfied with the support I received and felt the matter had been fully resolved. 

I have called on XXXX, XX/XX/XXXX, and XXXX and each time the person I spoke with tried to help. 
The last time I called on XX/XX/XXXX and spoke with employee ID XXXX and a supervisor named XXXX and received some assurance that it would Now, XXXX MONTHS and many calls later, I am still trying to resolve this issue and I have received ANOTHER letter dated XX/XX/XXXX again denying my claim for a clearly altered check that was initially resolved on the first day I called!!! 

I am requesting the Documents of Reliance for this claim to explain how you made your decision despite the fact that I notified the bank within XXXX hours of the initial posting of the bad check. If this isnt resolved to my satisfaction within the next week, I will be filing a complaint with the Consumer Financial Protection Bureau. 

We have been a customer of Bank of America for XXXX  years and this customer service is inexcusable! I will be visiting a Bank of America branch on XX/XX/XXXX to speak with a manager in an attempt to once again clear this up and get this claim approved. 

I am ONCE AGAIN re-sending the original notarized documentation that was mailed back by fax on XX/XX/XXXX, by fax and Im also mailing it yet again.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had switched bank accounts from Vystar Credit union due to many issues I was having with their online banking app. I switched to a XXXX bank account therefore my direct deposit went to that account. I tried to switch every payment I had coming out of the Vystar Bank to the new account, but I was unable to transfer every bill coming out. Vystar charged me a return fee XXXX TIMES! Which put my account negative {$370.00}. I tried to contact them to close my account, but was told I could not close a negative account. However my account was only negative because they charged me a return fee XXXX times. I asked if they could please remove the return charges so I could close the account. They then said they could only remove XXXX of the charges so that puts me at negative {$310.00}, and I would have to contact the company that is trying to take a payment. But I cant close the account so Im sure there will continue to be fees. I would have no problem paying XXXX of the returned fees, but I am not paying XXXX that all occurred over XXXX hours.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I sent Credit Corp Solutions a formal cease-and-desist notice under FDCPA 15 U.S.C. 1692c ( c ), directing them to stop all communication with me regarding this alleged debt. Despite this, they have continued attempting to contact me and/or continue reporting information related to this account. 

This behavior is a direct violation of federal law. Once a cease-and-desist is received, a debt collector is required to stop all communication, and continuing collection activity or reporting after that point is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
- '' Returned payment fee '' added to my account on XX/XX/XXXX -I disputed the fee via chat on XX/XX/XXXX ( ref XXXX ) - Told by agent " XXXX XXXX that the credit would show up in XXXX hrs. I confirmed that my account balance would be {$0.00} and XXXX confirmed - I followed up on XX/XX/XXXX and chatted with " XXXX '' ( ref XXXX ) who told me to wait an additional XXXX hrs and my account would be updated - I followed up on XX/XX/XXXX via chat and told now that they could not issue a credit for this charge ( ref XXXX ) - I called Synchrony bank via phone, spoke with XXXX, I asked for a retention specialist, she connected me to a manager name XXXX who basically told me there was nothing he could do. I said he could not look up the chat reference numbers ( above ) and that he would elevate it and I should check back in 30 days. I told him that the bank would charge me interest on the erroneous fee after 30 days but he was unwilling to help any further. 
- Lies, fraud, abuse of power. Please assist in getting this fee credited so I can close this account.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Zips failure to process a dispute and their repeated delays despite extensive communication. 

I first contacted Zip on XX/XX/year> regarding XXXX # XXXX. The merchant ( XXXX ) falsely advertised a set of XXXXXXXX XXXX XXXX ; I received only XXXX. The merchant refused the return. 

Since XX/XX/year>, I have attempted to resolve this directly with Zip through multiple live chat attempts ( some of which failed to connect or were ended by agents ) and repeated email correspondence. After significant delay, I was finally provided a dispute submission link, which I completed over a week ago. 

Despite submitting the dispute, I received no confirmation, no status update, and no response. Most recently, instead of addressing the dispute already submitted, Zip responded by sending me yet another dispute link, effectively restarting the process with no explanation. 

I have clearly stated multiple times that I prefer to resolve this directly with Zip and avoid escalating to my bank. However, Zips lack of action, failure to communicate, and repeated delays have left me with no choice. 

I am requesting that Zip : 1. Acknowledge and process the dispute already submitted 2. Pause installment payments while the dispute is under review 3. Provide a clear timeline and point of contact for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX We received a letter from PHH mortgage Account # XXXX, that XXXX XXXX ( my deceased husband ) has {$2300.00} siting by them. 

I responded to them they should send me the funds. 

On XX/XX/XXXX PHH responded that they need the death certificate and a affidavit from the surrogate court that I'm authorized to collect the funds. 

Which I did so,. 

On XX/XX/XXXX PHH responded that they moved the funds back in XX/XX/XXXX to XXXX  unclaimed funds. We search the XXXX data base, and it does not appear to be true. 

Why did they ask for stuff when they didn't have the check anymore and why are they lying when I'm asking them for the money

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation