vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX 
Product/Service : Wireless services and tablet data plan I am submitting this complaint regarding unfair billing practices and denial of account access by XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I contacted XXXX  Customer Care to cancel a tablet line on my account ( line ending in XXXX ). Although XXXX has since acknowledged that the account names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the same individual, I was unable to verify my account due to a billing name discrepancy and was denied the ability to cancel or modify services. 

As a result of this denial of access, I was prevented from stopping charges on my account beginning XX/XX/year>. Despite this, XXXX continued billing me for multiple subsequent months, assessed late fees, and ultimately canceled the account for nonpayment. The charges that accrued during this period were not the result of continued use, but rather my inability to access the account to cancel services. 

At the time, I was residing overseas. XXXX instructed me to complete identity verification in person at a XXXX retail XXXX, without offering a reasonable alternative method of verification for an international customer. This requirement effectively denied me the ability to manage my account. Notably, I had previously been able to access my account while overseas, including canceling my husbands voice line in XX/XX/year> and adding services that increased billing. This demonstrates that account access and verification standards were applied inconsistently. 

I complied with XXXX requests for documentation and submitted the required materials through the channel they specified, despite residing abroad. XXXX later stated that it could not substantiate receipt of this documentation. This reflects an internal processing or recordkeeping failure rather than any lack of compliance on my part. 

The billing name discrepancy cited by XXXX XXXX not a new issue. It has persisted for multiple years despite repeated attempts by me to correct it through customer service phone calls, XXXX XXXX XXXX, and in-store visits. During this time, XXXX continued to permit account activity and billing. Only when I attempted to cancel services did XXXX rely on this unresolved issue to deny access. 

XXXX has XXXX a limited credit covering only a portion of charges billed in XX/XX/year>. This offer does not address the underlying denial of account access beginning XX/XX/year>, nor the charges and late fees that accrued because I was prevented from canceling services. 

I believe XXXX  actions constitute unfair billing practices and an unreasonable denial of access to account management, resulting in charges that should not exist as a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I am submitting this complaint regarding improper loan servicing and conflicting written communications by my federal student loan servicer. 
On XX/XX/XXXX, I received a written forbearance approval notice stating that my loan payments are not due until XX/XX/XXXX. The notice clearly states that the forbearance was approved and applied, effective from XX/XX/XXXX through XX/XX/XXXX, with payments resuming on XX/XX/XXXX. I relied on this official written notice in good faith. 
Despite this documented forbearance, the servicer subsequently issued past-due and delinquency notices. I contacted the servicer on XXXX separate occasions and was informed by representatives that these notices were issued in error and that I should not be concerned. 
On XX/XX/XXXX, the servicer issued a Notice of Repayment Schedule Change reflecting a payment due date in XXXX. This letter did not reference the existing forbearance, and did not provide any written revocation or policy explanation. 
In addition, the servicer uploaded delinquency-related notices and repayment updates into my online account portal without any explanation or written acknowledgment of the approved forbearance, creating conflicting official communications. 
On XXXX XXXX, I submitted a formal written dispute via certified mail requesting written confirmation of my forbearance status and correction of all erroneous delinquency notices. As of this complaint, the servicer has not provided any written response, clarification, or correction, and automated delinquency communications have continued. 
I am concerned that the servicer is attempting to retroactively alter repayment obligations without properly addressing documented forbearance and that this conduct may result in improper delinquency treatment or negative credit reporting. 
I am requesting that the servicer : XXXX the written forbearance approval dated XX/XX/XXXX, or Remove all erroneous delinquency and past-due notices Confirm that no negative credit reporting has occurred, or correct it immediately if it has

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Also, I just dropped out of college and noticed this on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Honda Financial Services My husband passed away in XX/XX/year>, the same day we arrived in Virginia, due to a XXXX. After allowing some time to grieve and stabilize my situation, I contacted Honda Financial approximately one month later to begin the lease assumption process. Unfortunately, this process has taken far longer than reasonable and remains unresolved to date. 



Because the lease assumption has not been finalized : The vehicle has remained parked and unused, as the registration expired I continue to pay monthly lease payments I continue to pay insurance on a vehicle I can not legally drive To make matters worse, I was recently informed that critical paperwork was sent to the wrong address, further delaying the process. When I followed up, I was told the matter is now with the Title Department, with no clear timeline or resolution provided. 



This experience has caused significant emotional distress and financial hardship during an already devastating period in my life. I have made every effort to cooperate, communicate promptly, and follow Honda Financials procedures, yet I remain without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the XXXX of XX/XX/year> i erroneously zelle {$690.00} to a contact from phone whom i have no connection ftom my citbank account. Upon noticing this error i sent the unintended receipient a text asking for the erroneous funds to be returned. This request was denied. 
I called my bank ( XXXX ) and file a report of this error immediately upon realising my error. I received a lettet from XXXX which states that my claim was denied for the erroneous funds sent. I was verbally inform that the account which received this erroneous zelle is domocilr at XXXX XXXX Chase. The name on the account is XXXX XXXX. 
I have since made a request from XXXX all information used in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
This complaint concerns Absolute Resolutions Investments , LLC ( XXXX ) and its continued failure to comply with federal consumer protection laws regarding two separate XXXX XXXX XXXX XXXX accounts. 
On XX/XX/year>, I filed CFPB complaint number XXXX stating that XXXX placed two collection accounts on my credit reports without ever sending the required initial written validation notice under 15 U.S.C. 1692g ( a ). I stated that I never received any notice of my right to dispute the debts and that I only became aware of the accounts after they appeared on my credit reports. I further stated that after disputing the accounts, XXXX failed to provide any debt validation. 
In its XX/XX/year> response to the CFPB, XXXX claimed that model validation notices were sent on XX/XX/year>. XXXX did not provide copies of these notices, proof of mailing, or evidence that the notices were sent within the timeframe required by law. This admission confirms that any alleged validation notices were sent months after XXXX acquired the accounts in XX/XX/year> and after the accounts were already reported to consumer reporting agencies. 
XXXX further admitted in its CFPB response that it was still requesting validation from its servicer, confirming that XXXX did not possess validation at the time it reported the accounts or verified them to the credit bureaus. 
On or about XX/XX/year>, XXXX sent me two separate letters, one for each account, stating that my disputes were deemed frivolous or irrelevant and that no further investigation would be conducted. These letters did not identify any missing information, did not explain why the disputes were frivolous, and did not include any documentation validating either debt. Instead of providing validation, XXXX continued reporting the accounts. 
XXXX  positions are contradictory. In its CFPB response, XXXX acknowledged that validation had not yet been obtained. In its later letters, XXXX claimed it had fulfilled its obligations and refused to investigate further. XXXX can not reasonably declare disputes frivolous while admitting it lacks validation and continues reporting the debts. 
To date, XXXX has never provided proof of ownership, chain of assignment, original agreements, itemized accountings, or evidence that the required validation notices were timely sent. Despite this, XXXX continues to report and verify both accounts. 
Reporting and verifying debts without first providing the required validation notice violates 15 U.S.C. 1692g ( a ). Refusing to conduct a reasonable investigation after receiving notice of a dispute violates 15 U.S.C. 1681s-2 ( b ). I am requesting CFPB review of XXXX  continued noncompliance, contradictory representations, refusal to validate, and ongoing reporting of disputed information without verification. Supporting documentation is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX ( XXXXXXXX XXXX XXXXXXXX ) for gold jewelry. Payment in the amount of {$1900.00} was debited from my Wells Fargo checking account on XX/XX/year>. 

The items were never delivered. Tracking information did not confirm delivery, and despite multiple attempts to contact the seller through XXXX messages and email, I received no response. The sellers XXXX shop was later removed from the platform. 

I contacted Wells Fargo and filed a debit card dispute for non-delivery of merchandise. I provided order details, transaction information, and evidence that the items were not received and that the seller was unresponsive. Despite this, Wells Fargo declined my claim without resolving the non-delivery issue or providing a satisfactory explanation. 

I requested proof of delivery, tracking confirmation, and clarification regarding the denial of my dispute, but this information was not adequately provided. As a result, my checking account remains debited for merchandise I never received. 

I am requesting that Wells Fargo properly investigate this debit card transaction under applicable consumer protections and issue a full refund of {$1900.00} for the undelivered merchandise.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
AMSHER COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLLECTION SERV XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: DE

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One 360 holds my payroll deposit at the end of every year. It happened last year and they claimed it was an isolated incident. Now, I was supposed to receive my pay on Wednesday. I don't have the money and I am unable to pay my bills and access my storage unit because they won't release my funds. You can see from my paystub my job has already sent the funds to the capital one bank. You can see from my capital one screen shot the funds are always deposited on a Wed. It is XXXX, I don't have my money and they are not open for calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
After trying to establish credit i was notified of collections from this company, that has not provided the proof of assignment or purchase of this debt. This debt collection was established without my knowledge. The company has not provided the arbitration agreement associatd with original account, original signed contract and itimized account of what they say i owe bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Reference Number : XXXX Complainant : XXXX XXXX Subject : Complaint Concerning Perjury, Deceptive Practices, and Misrepresentation Related to Financial Processing Systems and Gift Card Transactions I certify that this complaint is submitted in good faith and request written confirmation of receipt and any next steps. 

I request that the CFPB : Review the conduct for violations of consumer protection, anti-deception, and unfair practices laws ; Require preservation and disclosure of all relevant chat logs, account records, transaction histories, and internal communications tied to reference # XXXX ; Direct appropriate corrective action, restitution, and remediation where warranted ; and Refer the matter to other appropriate regulatory or enforcement bodies if necessary. 

Specifically, I report : XXXX. Deception and misrepresentation through digital identifiers ( profile icon/Home Screen ) and support chat communications that did not accurately reflect the responsible financial entity or authority. 

XXXX. Material reliance on those representations when engaging in financial or gift card transactions. 

XXXX. Improper handling or loss of funds, including stable currency equivalents or prepaid balances. 

XXXX. Failure to provide clear, accurate, and timely disclosures, transaction records, or corrective action upon notice. 

XXXX. Perjury or false statements made in support communications related to the identity, authority, or transaction status. 

Based on available information, I believe there has been retaliation, bank fraudrelated activity, theft or diversion of funds, and failures in internal controls, including inaccurate disclosures regarding who was responsible for the custody, authorization, or settlement of funds. The transactions and representations are connected to retail and financial processing environments involving XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and associated gift card or payment systems. 

These misrepresentations materially affected my understanding of the transactions and the handling of funds, including stable currency equivalents, checks and balances, and gift card or prepaid financial processing systems. The conduct at issue involves representations made through digital platforms Home Screen interface and customer support chat that appear to misstate the identity, authority, or role of the party administering or processing financial instruments. 

I submit this complaint to formally report suspected deceptive acts, misrepresentation, and potential perjury arising from inconsistencies between cash app Home Screen profile icon, associated support chat representations, and financial transaction processing tied to reference number XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding Chases handling of an unauthorized recurring charge dispute under Regulation E.

I was charged three times for an XXXX XXXX subscription that I did not knowingly enroll in, could not access in my XXXX account, and could not cancel. The XXXX app showed no active subscription and continued to prompt me to Try XXXX XXXX. When I contacted XXXX, representatives stated they could not locate any subscription or membership associated with my account or card. 

I filed a dispute with Chase for unauthorized recurring electronic transfers. Despite my documentation showing no visible subscription, no cancellation access, and XXXX inability to locate the membership, Chase denied my claim and removed provisional credit, stating the charges were authorized. 

Chase appears to have relied on the fact that the card was previously used with XXXX or processed via XXXX XXXX. However, authorization for individual transactions does not constitute authorization for a recurring subscription. Chase did not address the lack of enrollment confirmation, lack of cancellation ability, or the merchants inability to identify the subscription.

I am requesting that Chase conduct a proper Regulation E review of this dispute, provide the evidence relied upon to determine authorization, and correct the handling of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I dispute the validity of this debt and request full validation. Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to assume this debt 4. Proof that you are legally authorized to collect this debt in my state 5. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency.

If this debt has been reported to any credit bureau, please note that it is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation