vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I am disputing the fraudulent opening of a Coinbase credit card because I did not authorize it and was a victim of identity theft. I am requesting that the fraudulent Coinbase Credit card be closed.

I have contacted Coinbase on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reference number XXXX. 

On XXXX XXXX Coinbase support said they would send this to their fraud division and I would hear back with 72 hours. I have not heard back and their support will not transfer me to their fraud division.

I have also reported the fraudulent credit card account to identity theft.org FTC report number XXXXXXXX XXXX XXXX XXXX XXXX and also made a police report. The police report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To resolve this matter I am requesting that Coinbase close this fraudulent account and remove it from my credit report.

I request a written response to this complaint within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am being sued in the state of XXXX XXXX XXXX XXXX  XXXX and theyre not licensed to collect in my state. Theyre suing me for XXXX debt that is also past the statute of limitations ( XXXX years ) in my state but for a total of almost {$2800.00}. We have a court hearing on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My personal credit was used by these creditor without my consent to obtain credit cards and has placed numerous inquiries on my credit report causing significant lowering of my score and credit cards to be obtained and used to create fraudulent transactions. This was done fraudulently and without my consent the following companies and dates are as followed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> at XXXX I received a text from TD Bank advising me that i attempted a {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX texted asked me to reply Yes or NO. I replied NO, then I received a phone call from a supposed TD representative telling me that I had to replace the money that was deducted so via XXXX I sent the bank rep {$850.00} This was a criminal action. The criminals imitated TD Bank 's processes and protocols perfectly, i have followed same procedure in the past, and I asked for a provisional credit and was turned down by TD Bank. 

I should not be held accountable for trusting my bank, I was following establish protocols when fraud is attempted. 

TD Bank needs to enhance their protocols to protect customers. This is most unfair of the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverified information appearing on my credit report. This dispute is made pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

On XX/XX/year>, Jefferson Capital Systems reported a debt on my credit file without providing proper debt validation. I have never received documentation verifying that this debt is accurate, that I am legally responsible for it, or that it is being reported in compliance with federal law.

Disputed Account Information : Creditor or Collection Agency Name : Jefferson Capital Systems
Account Number unknown Amount Reported : XXXX XXXX  Date Reported : XX/XX/year> I dispute the accuracy, completeness, and verifiability of this account. The furnisher has failed to provide sufficient validation or supporting documentation demonstrating : That I am legally obligated to pay this debt That the balance reported is accurate That the account is legally and to provide documentation bearing my signature.

correctly reportable Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure that all information in a consumers credit file is accurate and can be verified. If Jefferson Capital Systems can not provide proper verification of this account, I am requesting that it be deleted from my credit report.

Please conduct a full investigation of this matter and provide written confirmation of the results. If the account can not be verified, it must be removed from my credit file. Upon completion of your investigation, please send me an updated copy of my credit report.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am submitting this second complaint regarding my mortgage servicer, Mr. Cooper/XXXX, for ongoing mismanagement of my account, inconsistent guidance, and failure to properly review my request for a payment deferral. 

This is my primary residence. I became delinquent by two monthly payments beginning in XX/XX/XXXX due to hardship. Since then, I have repeatedly requested a payment deferral to move the two missed payments to the end of the loan. I am not requesting a loan modification.

Over several months, I have received contradictory information from different representatives. Some advised I was eligible for a payment deferral, while others stated my request could not be reviewed because my loan was allegedly not 60 days past due. This does not align with my account status, as I am delinquent by two payments and have been assessed late fees and penalties for multiple months. I have submitted 2 full applications with supporting documents, including bank statements, that have been denied for not being late enough... even though I am being charged for 2 late payments.

Despite being told I was not delinquent enough to qualify, I was repeatedly instructed to submit extensive financial documentation. I complied with all requests, yet my applications were denied without substantive review for being not sufficiently delinquent. I was also advised by some representatives to allow another payment to lapse to qualify, while others advised me not to miss additional payments. 

Upon logging in today XX/XX/XXXX to try to make a payment my online and automated phone payment options were disabled, preventing me from making payments, but I was able to talk to a representative and make a payment that way. I was told that after 3 months late foreclosure proceedings can begin, again, I do not want to lose my primary home. Additionally, my monthly payment increased from approximately XXXX to approximately XXXX, even though my property taxes and insurance have not changed, and no written escrow explanation has been provided. 
I believe Mr. Coopers actions may violate RESPA and Regulation X, including failure to provide accurate information, failure to properly evaluate available loss mitigation options, and failure to respond clearly to requests for information. 

I am requesting assistance to obtain a written explanation of my delinquency status, a proper review for a payment deferral only, restoration of my ability to make payments, and a written explanation for the payment increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CA

Complaint narrative:
On or about XX/XX/year>, Midland Credit Management began reporting a credit card collection account on my XXXX  credit report in the amount of approximately {$530.00}. 

I timely disputed the account and requested debt validation pursuant to 15 U.S.C. 1692g, specifically requesting proof of ownership, a complete chain of title, a copy of the original signed agreement, a full account history, and proof of authority to collect and report the debt.

Midland responded with a generic statement asserting the debt was correct, but failed to provide the requested documentation or any legally sufficient validation.

Despite failing to properly validate the debt, Midland continues to report this account to XXXX. Reporting an unvalidated and disputed debt constitutes an attempt to collect a debt not legally owed and violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have a Sofi bank account. On several occasions money has disappeared out of my account. When there was a transaction on my account for XXXX XXXX I asked the manager XXXX to please put the money back into my account and block XXXX XXXX and she refused several times. She stated that it can not be a provisional credit and that they can only dispute it. Back in XXXX {$87.00} came up missing from the account and the bank couldn't tell me what happened to the money and never replaced it. I'm very angry that they are doing bad business practices to a loyal customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It started with an email about my checking account being overdrafted. I then logged into my XXXX mobile to access my savings account and transfer funds to my checking account to avoid a fee. This is when I discovered both of my accounts were completely emptied for a total of {$19000.00}. I was shocked and scared and immediately notified XXXX about the fraud where they made several claims and froze and locked my accounts. I was waiting for a debit card to come in the mail to my address that never made it. Also these withdrawals were made in person at a XXXX branch in New Hampshire. I live in XXXX almost XXXX hours away from where these withdrawals occurred. XXXX is trying to deny my claim and doesn't want to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
They robbed me basically. I deposited cash with a teller into my account. The teller put the deposit into another customers account. It has been a week and a half and still havent received the cash I deposited?

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This an ongoing situation that started at the end of XX/XX/2025. A judgment settlement has been submitted to Capital One Bank three different times. I received a fax number from said bank and I personally faxed a satisfaction letter from the plaintiffs and a copy of the court order showing said release. Capital One stated the information had to come directly from the plaintiff. I forwarded the documentation directly from the court and plaintiff. The plaintiff XXXX, XXXX XXXX XXXX sent the release paperwork to me personally and has stated they have now submitted the same release paperwork twice now with the efiling from the district court of Maryland to Capital One Bank. My attorney has also submitted a letter to request the release of the judgment. Capital One Bank is incredibly indifferent and unhelpful in researching the situation. There is no attempt on their part to research or help in resolving this matter or even try to find the missing release paperwork. I find it hard to believe they have no record of three separate submissions of paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: NC

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 
I submitted a certified written dispute identifying specific inaccuracies, including illegal re-aging and inaccurate Date of First Delinquency ( DOFD ) reporting on charged-off accounts reporting a balance. The disputed inaccuracies concern the delinquency timeline, not the validity or amount of the debt. 
My dispute required TransUnion to verify the original DOFD pursuant to FCRA 623 ( a ) ( 5 ). All identifying information necessary to conduct a reasonable investigation was provided, and the dispute did not qualify as frivolous under FCRA 611 ( a ) ( 3 ).

TransUnion responded that the account ( s ) were verified without confirming that the original DOFD was reviewed or validated and without correcting the inaccurate delinquency timeline caused by re-aging.

Verifying a charged-off account without confirming DOFD accuracy violates FCRA 611 ( a ) ( 1 ), 1681e ( b ), and 623 ( a ) ( 5 ) and constitutes an unreasonable investigation.

I am requesting that the CFPB require TransUnion to conduct a lawful reinvestigation that includes DOFD verification from the furnisher, or delete the inaccurate tradeline ( s ).

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 2026-01-30 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: Klarna AB
State: MI

Complaint narrative:
On XX/XX/year> I made a purchase from XXXX and I paid for the purchase through Klarna. My order was lost in transit XXXX initiate a new order and XXXX provided me the bill of sale which says XXXX dollars and the items were free as well as the email that they sent me says that I would not be charged. Ive been providing the same information to Klarna since XX/XX/year> they have yet to resolve this issue, it feels and seems as if they are trying to still make me pay for it. Ive provided them proof over and over, which is the same emails that I will be uploading here today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have contact Citibank over and over again to try to get this account settled so it can be removed off of my credit report when I contact them. They are telling me that they do not own the account anymore and that they can not help me but on my credit report, it is showing that I owe them this balance. I have tried for over a year to take care of this matter and nothing has got 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Ive submitted 2 different dispute complaints with Cash App regarding a promised XXXX refund that XXXX never provided. Both times Cash App has denied this claim because they believe XXXX has already refunded me. Ive submitted proof that XXXX did refund me FOR DIFFERENT orders completely unrelated to this situation. Orders are placed on different days for different amounts. I will also include below the information provided to Cash App. 

Those 2 refunds have nothing to do with this one. See attached and below. 


I initially ordered an item on XX/XX/XXXX with a delivery on XX/XX/XXXX. On XX/XX/XXXX I reached out to XXXX because the item still hadnt shipped and was told that the delivery would still happen on XX/XX/XXXX but if it didnt then I would be fully refunded and got to keep the item when it delivered, this conversation took place with XXXX rep # XXXX. After the item delivered I reached out and spoke to XXXX rep # XXXX who said he will go ahead and process the refund to my account and send me an email confirming. I didnt receive the email and reached out again and talked to XXXX rep # XXXX who confirmed via chat and email that they will not refund me and their is no refund on my account for this item even though the first XXXX XXXX representatives promised me I could keep the item and have a full refund for the delay. XXXX did refund me for 2 separate purchases that have nothing to do with this order- please do not consider them to be part of this order, I have attached screenshot confirmation. XXXX is refusing to honor their word by refunding me the money for this due to the delay and allowing me to keep the item. XXXX REP # XXXX has confirmed their is NO refund for this on my account and they will NOT be processing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
On XX/XX/year>, I mailed a certified letter to requesting full validation of a collection account they are reporting to XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide written verification of a debt upon request before continuing to report or collect on the account. As of today, I have not received any response or validation from the company. Despite their lack of response, the account is still being reported to the credit bureau. This is a violation of my consumer rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires accuracy and accountability in credit reporting. I am requesting that this unverified account be immediately removed from my credit report due to the companys failure to validate the debt within the required XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, a transaction occurred on my Chime account that was unauthorized. I noticed the issue and submitted a dispute with Chime on XX/XX/year>. Chime initially denied the dispute. I then submitted a rebuttal on XX/XX/year> providing additional information as requested. Chime has continued to deny the dispute, and I have not received a resolution or temporary credit. I am requesting CFPB assistance to ensure Chime addresses my dispute fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt collection notice I received from your office. I have no knowledge of this alleged debt and no idea what it is referring to.

I have never signed a personal guaranty for anyone, nor have I entered into any agreement with XXXX XXXX XXXX. I am not familiar with this company, and after looking it up, I understand it is a firearms manufacturer. I do not own a firearm, nor do I know anyone for whom I would co-sign or guarantee a debt of this nature. 
This notice appears to have been sent to me in error. Please remove my name and contact information from your records and confirm in writing that I am not associated with this matter. 
If you believe otherwise, please provide written verification of the alleged debt and any documentation bearing my signature, as required by law. 
Thank you for your prompt attention to this issue. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX : XXXX SSN ( last XXXX ) : XXXX Re : Credit Report Dispute Inaccurate XXXX-Day Late Payment Chase Auto XX/XX/year> To Whom It May Concern, I am disputing inaccurate information on my credit report. 
An auto loan account is inaccurately reporting a XXXX-day late payment on XX/XX/year>. The payment due date was the XXXX, and the full payoff was received before that date, closing the account. 
Because payment was received prior to the due date, the account could not have been delinquent. This reporting is inaccurate and must be corrected or deleted. 
I have included documentation supporting these facts. Please investigate and provide written confirmation of the correction. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation