vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction.

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX, I used my Chase bank account via cashapp to pay for rust and dent removal services on my vehicle. The payment was funded directly from my Chase checking account, with XXXX XXXX acting only as a payment processor. I do not bank with XXXX XXXX. 

The individual who accepted payment misrepresented himself as being affiliated with a legitimate business and provided a fake business card. After payment was made, the person I paid did not perform the work. Instead, an unauthorized substitute worker was sent without my consent. 

The service delivered was materially different from what was agreed. The dents were not removed, rust was only partially sanded, and the truck was spray-painted XXXX without my approval. I did not authorize a substitute worker, did not authorize XXXX paint, and did not receive the service I paid for. 

After payment, the merchant refused to return to correct the work, claimed someone would come back, and then blocked all communication. I attempted to resolve the issue directly with the merchant and requested a refund, but received no response. 

I later contacted the actual business listed on the business card I was given, and the owner confirmed that the individual who took my payment is not an employee and is impersonating the business. 

I contacted Chase to dispute the debit card transaction as service not as described due to merchant misrepresentation. Chase refused to investigate or process the dispute solely because the payment was sent through XXXX XXXX, repeatedly stating it was Cash Apps responsibility and they cant do anything about third party. 

My dispute is against the merchant and the underlying transaction, not Cash Apps service. The funds were withdrawn directly from my Chase account. Chase has refused escalation and reassertion of the dispute based only on the use of a third-party payment platform. 

I am requesting that Chase properly investigate this debit card transaction and credit my account for the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I disputed this debt when it appeared on my credit report. XXXX removed the information and updated the report the next day. XXXX dispute came back verified. The company was contacted and asked to validate the debt, to include : XXXX. Original creditor XXXX. Original contract bearing my signature/address XXXX. Payment information and history XXXX. Judgement/ authorization to collect debt I have not received any information regarding this debt from this company now or in the past. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Collection is from a later date than when I had already moved out, company is ignoring my phone calls and on my charge shows its in my rental agreement but my lease ended months before this charge date on XXXX of XXXX and the charge is from XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
I enrolled in autopay for {$14.00} per month on XXXX XXXX. The authorization was only for {$14.00}, and that amount was consistently withdrawn through XX/XX/XXXX. 

In XX/XX/XXXX, Aidvantage debited {$1000.00} from my bank account without my authorization. I did not authorize any one-time payment, lump-sum payment, or change to my autopay amount. 

Immediately after the unauthorized debit, I contacted Aidvantage. The representative placed my account into forbearance and submitted a refund request for the {$1000.00}. I was told I would receive an answer by XX/XX/XXXX. I have received no response and no refund. 

After this occurred, I also applied for deferment and was approved. I do not authorize any autopay going forward. 

This unauthorized withdrawal caused my bank account to be overdrawn and resulted in late payment of other household bills. I have filed an unauthorized ACH dispute with my bank. 

I am requesting a full reversal of the {$1000.00}, written confirmation that this debit was unauthorized, confirmation that my deferment/forbearance status is active, and confirmation that all autopay is canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has numerous of inaccuracies that are reporting

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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am an XXXX XXXX military member stationed in XXXX. Louisiana is a Key Provision state with state specific Servicemember 's Civil Relief Act ( SCRA ) protections. Per Louisiana XXXX XXXX, no interest should be collected above 6 % during my time on XXXX XXXX, which began in 2007. Additionally, my interest rate should be capped at no higher than 6 %. Here is a link to the Louisiana key provision statute : https : 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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am disputing a collection account being reported by Absolute Resolutions Investments for {$2600.00}. 

This company is a debt buyer and has failed to provide proper validation of the alleged debt. They have not provided : Proof of ownership or a complete chain of assignment from the original creditor A copy of the original signed agreement An itemized accounting of the balance Despite this, they continue to report the account to the credit bureaus, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this account be fully investigated and removed from my credit report unless Absolute Resolutions can provide legally sufficient documentation proving ownership, accuracy, and my obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of a credit card dispute on my Chase Sapphire Reserve account. 

I disputed a {$580.00} XXXX XXXX upgrade purchased from XXXX XXXX that was not delivered as described. XXXX XXXX has admitted in writing that the seat was defective, that the defect was known prior to departure, and that no refund was offered. 

Despite this documented merchant admission, Chase denied my dispute and subsequent appeal by treating the charge as valid solely because transportation occurred, without applying XXXX dispute rules for partial failure to deliver a paid service. 
This dispute does not concern the base airfare. It concerns a separately purchased upgrade that was materially defective and partially undelivered, with no refund option provided at the time of acceptance. 

I am requesting that Chase properly apply XXXX network rules and reconsider the dispute for a partial refund of the {$580.00} upgrade fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: IL

Complaint narrative:
I have had an uneployment account with KeyBank, they closed my account without letting me know, Once I called, they were going to sent me a check with my balance, it has been 6months and I never got anything, everytime I call they tell me the same, we will send it and now I can't even reach them on the phone for past week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 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: MD

Complaint narrative:
My student loan account with Nelnet is being inaccurately reported to the credit bureaus as multiple delinquent accounts when it is a single loan obligation that is now in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
My husband, the borrower on this mortgage died. I am his surviving spouse and occupy the property. on XX/XX/year>, I sent the servicer a written request for XXXX by priority mail. I enclosed a copy of the death certificate, a copy of our marriage certificate and proof of my income ( Social security award letter ). Despite receiving this documentation, the servicer has refused to acknowledge me, continues to use form letters demanding probate court documents I do not have, and is ignoring my request for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Truist Bank for failing to properly investigate and respond to my dispute regarding approximately {$1600.00} in unintended digital charges from XXXX XXXX / XXXX. I submitted multiple dispute requests and escalation attempts. Truist denied my claim without providing sufficient explanation and has failed to respond to my third request to reopen the case. The charges were excessive, unintended, and not knowingly authorized in aggregate. Truist has not provided written documentation, reason codes, or evidence supporting the denial, nor have they acknowledged my follow-up communications. I am requesting reopening of the dispute, a supervisory review, written justification for the denial, and compliance with consumer protection dispute-handling requirements. We have been with this bank in different name changes for over 40 years and to be treated this way is beyond our disrespect to a long standing customer. We definitely intend on moving our accounts to a different bank once this is resolved.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
From : XXXX XXXX XXXX : XX/XX/XXXX, XXXX Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXXXXXX, UT XXXX Re : Formal Dispute of Alleged Debt Improper Credit Reporting and Re-Insertion Alleged Original Creditor : XXXX XXXX Amount Claimed : {$370.00} To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

You are not the original creditor. You allege that you purchased or were assigned this account from XXXX XXXX. I dispute both the validity of the debt and the accuracy of how it is being reported.

Improper Credit Reporting and Re-Insertion This account was previously disputed with the credit bureaus and removed. You then re-reported the same account as a new tradeline, which reappeared approximately three weeks ago. Reporting a previously deleted account without proper certification and notice constitutes illegal reinsertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Additionally, reporting this account as a new account with a XXXX date is factually inaccurate and misleading, in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1692e.

Dispute of Alleged Default Your email claims I went past due on 03/15/2024. This is false. 
I originally enrolled with XXXX XXXX on XX/XX/XXXX and did not renew after XX/XX/XXXX. Any attempt to characterize this as a new delinquency in XXXX is inaccurate and disputed. 
No Admission of Fraud I am not claiming identity theft or fraud, and I do not consent to filing an FTC affidavit or police report for a debt that is inaccurate and unvalidated. Requesting such documentation does not override your obligation to properly validate and accurately report the account.

Demand for Validation Pursuant to 15 U.S.C. 1692g, please provide competent evidence that you have the legal right to collect and report this debt, including : A copy of the original signed membership agreement Documentation showing a valid renewal beyond XX/XX/XXXX A complete payment history from XXXX XXXX Proof of assignment or sale of the debt to Aldous & Associates Proof that you certified the reinsertion of this account to the credit bureaus as required by law Notice of Intent If you are unable to provide the above, you must immediately cease collection efforts and delete this account from all credit reporting agencies. Continued reporting or collection without proper validation will result in complaints to the CFPB, FTC, and the New Mexico Attorney General, and may subject your office to civil liability.

This letter is sent without waiver of any rights and is not an acknowledgment of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP morgan chase Claim Case ID [ XXXX ] On XX/XX/year>, I submitted complete proof of insurance for all three properties. Despite this, Chase improperly placed forced insurance on all three loans. It has now been over XXXX days and : The forced insurance has not been removed No refunds have been issued No written confirmation has been provided I have contacted Chase multiple times without resolution. 

This is a clear servicing failure that has caused financial harm. 

I am requesting : XXXX. XXXX removal of forced insurance from all three loans XXXX. Full refund of all improperly charged premiums and related fees XXXX. Correction of loan histories XXXX. Written confirmation of resolution Phone number XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Issue : Coinbase has failed to post an EFT/ACH transfer for $ XXXXI sent from my XXXX XXXX account . The funds were withdrawn from my bank more than 13 days ago, but Coinbase has not credited my account or returned the money. 

What happened : On XX/XX/year>, I initiated an EFT/ACH transfer from my XXXX XXXX to Coinbase. My bank shows the funds were successfully debited and delivered. Coinbase has not credited the funds to my account, has not returned the money, and has not provided any explanation. Their customer support requested a bank statement showing the transaction. I provided a redacted copy of the statement showing the beginning and ending balance as well as the transaction. They said they need a XXXX statement to prove I havent subsequently withdrawn the money. Since it never deposited, it is impossible for me to have withdrawn it.

Additionally, their customer service can not or will not escalate my issue to someone more senior in their organization.

This delay is far outside normal ACH processing timelines ( typically 35 business days ). I am unable to access my own funds, and Coinbase has provided no resolution path.

What I want : I want Coinbase to immediately locate the missing EFT, credit my account, or return the funds to my bank. I also want a clear explanation for the delay and assurance that this will not happen again.

Supporting details : Bank statement shows the debit cleared on XX/XX/year> Coinbase support case numbers : # XXXX and XXXX No compliance hold, fraud notice, or verification request has been communicated More than 13 days have passed with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I am being billed incorrectly by XXXX XXXX, PA for multiple claims during a hospitalization on XX/XX/year>. After multiple conversations with their billing department along with my medical insurance carrier to correct the issue, now my account was sent to a debt collector agency. I am being reported to a collection agency for a billing amount that I am not responsible for..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: URS Holding, LLC
State: FL

Complaint narrative:
They put my name on loan and wasn't supposed to it was my son 's loan not mine but they put my name on loan and also as primary owner without my permission I just want it removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
Debt was reported to my credit and I do not owe or am I responsible for this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I disputed a {$1200.00} charge for merchandise not received shortly after the transaction. The creditor denied the dispute based solely on tracking information, which does not prove receipt. The balance is now being reported on my credit, causing harm. I am requesting a reinvestigation and correction of my credit report.

Company response to consumer: Closed with explanation