vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: NY

Complaint narrative:
I am reporting an account that is not mine and is the result of identity theft. I became aware of this issue when I noticed unauthorized activity associated with a Zion-related account that I did not open, authorize, or benefit from. The account appears to have been opened without my knowledge or consent. Upon discovery, I immediately took action by disputing the account and requesting full validation and documentation from the company. Specifically, I requested verification of the account, including the original application, method of account opening, transaction history, and any documentation showing that I authorized or benefited from the account. To date, the company has failed to provide sufficient evidence that I am responsible for this account. They have not produced any signed agreement, verifiable authorization, or proof linking me to the account activity. Despite this, the account continues to be treated as valid. This constitutes a failure to properly investigate my identity theft claim and an attempt to collect a debt that is not owed. I have also filed reports with appropriate agencies, including identity theft reporting channels, to document this fraud. I am requesting that this account be immediately investigated, removed, and that any associated negative reporting or collection activity be corrected. Additionally, I request confirmation that I am not responsible for this account and that appropriate steps are taken to prevent further misuse of my identity.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/XXXX I began receiving notifications that my card was being used. {$9.00} at XXXX XXXXXXXX XXXX {$640.00} XXXX {$1300.00} XXXX {$610.00} XXXX XXXX XX/XX/XXXX {$52.00} XXXX XXXX XXXX XX/XX/XXXX {$6.00} XXXX {$750.00} XXXX XXXX {$140.00} XXXX {$140.00} XXXX {$250.00} XXXX XXXX {$960.00} XXXX {$160.00} XXXX {$5.00} XXXX 's {$26.00} XXXX XXXX XXXX {$3.00} XXXX XXXX I attempted to use their text service to dispute and it would not work. I sent an email asking for my card to be cancelled on the XXXX and clearly nothing happened as it continued to be used fraudulently. There are {$6300.00} worth of charges on my account which has been closed so I cant even see them now. I have re-asserted my dispute as I received notification that these charges were being readded to my account. It impossible to get someone on the phone and the chat service is infuriating to deal with and you just end up getting passed around to multiple people without resolution. I included a screenshots of the email I sent saying that the charges on the XXXX were fraud and that I wanted the card cancelled and will include those here as well. I am attempting to reassert the dispute and as the screenshots will show, the chat wont even allow me to do that. I have not disputed this claim 3 times with both CFPB and also Goldman Sachs. Their claim is that they have found no confirmation that my account was compromised. These charges used my physical card- which was not in my possession at the time, and I did not make the purchases nor did anyone in my house hold. I can confirm I didnt make these purchases because I unfortunately have been on house arrest since XXXX of XXXX. I will upload the bond order below. But I would love Goldman to explain to me how I would be able to go to these stores, and go buy vapes, and all of this other stuff, if I cant even leave the house to go to any of these places, let alone running around all over the place! I cant even legally vape! As I mentioned in every other complaint, I sent an email to Apple support asking that the card be cancelled. I attempted to reach out via phone and via their automated chat, both of which would not work. I have documentation of the email that was sent ( attached ) and still the charges were allowed to go through. And then a whole other round.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I reviewed my account and identified over XXXX unauthorized or improper transactions totaling approximately {$7000.00}. I contacted my bank and filed a dispute for these transactions. I contacted XXXX and filed a claim regarding the charges. I reviewed the transaction history and identified a pattern of repeated microtransactions across multiple merchant names tied to the same activity. I secured my account by changing my passwords and reviewing/removing any automatic or preapproved payments. I confirmed that the transactions were made by my minor child without my knowledge or consent. What XXXX, Capital One, and the companies that operate under the app name " XXXX XXXX '' My bank reviewed the dispute and denied the claim, stating that the transactions were authorized because they originated from my device. XXXX also reviewed the transactions and denied my claim without providing a resolution. Neither my bank nor XXXX flagged or stopped the transactions despite the unusually high number of repeated charges occurring within a short timeframe. No fraud alerts, verification steps, or safeguards were triggered to prevent continued transactions. I was not provided with a sufficient explanation addressing the volume of transactions, the involvement of multiple merchant names, or the fact that the transactions were made by a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I just received a collections letter from XXXX XXXX XXXX XXXX XXXX for a debt that is well past the statute of limitations for collecting on a debt. I have not contacted the directly because once I do, that resets the clock for collections and as such, I dont want to muddy up the water more than it is by their illegal collection tactics. I have filed complaints with all the CRAs before without any success

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Summary : I recently spoke with Wells Fargo on XX/XX/XXXX, and I was informed that this matter would be reviewed further. However, given the prior written denial, the lack of a meaningful investigation, and the issues outlined below, I am submitting this complaint to ensure the matter receives a proper and independent review. Wells Fargo failed to properly investigate my dispute and mischaracterized the nature of my claim. Their written response acknowledges that : Transactions were processed through a third-party payment processor Disclosures did not align with the merchant This created confusion regarding the nature of the charges Despite this, they defaulted to you received goods/services, which is not the basis of my dispute. My dispute concerns : Misleading transaction structure Lack of transparency Discrepancies between merchant representation and billing execution Additionally : I explicitly requested on XX/XX/year> that no further charges be processed, yet additional charges were allowed without explanation I was told the investigation would take 3045 days, but it was closed in approximately XXXX days, indicating no meaningful review Wells Fargo also closed multiple credit accounts, including one with no disputed activity, without proper notice or explanation. I am requesting : A proper reinvestigation of the dispute Explanation for continued charges after my stop request Explanation for account closures and lack of notification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Experian Information Solutions Inc.
State: FL

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account that has been reported on my credit report without proper verification. The collection company reported a negative account under my name but has failed to provide any verifiable documentation proving that I owe this debt. I have requested validation of the debt, including a signed agreement, account history, and proof that the debt belongs to me, but no sufficient evidence has been provided. Despite this, the account continues to be reported to the credit bureaus, which is causing harm to my credit profile. Reporting unverified or inaccurate information is a violation of the Fair Credit Reporting Act. I am requesting that this account be properly investigated and either fully verified with legitimate documentation or permanently removed from my credit report. If the company can not provide adequate proof, this account should be deleted immediately. I also request written confirmation of the outcome of this investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital failed to provide proper validation of the debt after a direct request. The response received did not include sufficient documentation to verify the accuracy of the account or balance. The account continues to be reported and/or collected despite being disputed and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA 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: IL

Complaint narrative:
XX/XX/year> Rocket Mortgage withdrew wrong amount of my mortgage to pay, though they have been doing so automatically for XXXX years. There was enough money in my checking for them to make a full withdrawal. XX/XX/year> I received nasty letter from Rocket because " I '' didn't pay full mortgage amount. XX/XX/year> They are scheduled to take out wrong amount in XXXX as well. XXXX Multiple phone calls trom me to Rocket Mortgage to fix problem. Total runaround. XX/XX/XXXX : For XXXX years, this company has pulled these kind of stunts. I understand mistakes will be made, but no one there ever seems to be able to fix the problems they create. Not to mention the fact that I receive mystery refund checks from them all year long and a few times a year am asked to give them late payment fees, though they are responsible for taking my mortgage out every month on the XXXX. When I tell them that, the fees mysteriously disappear. I hate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
b'Someone use my information without my knowledge open Open app accounts'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing accounts reported by Midland Credit Management that appear to be duplicate and inaccurate. These accounts are associated with the same original creditor but are reported as separate accounts with inconsistent balances. On XX/XX/XXXX, I disputed these accounts with the credit bureaus. On XX/XX/XXXX, I mailed Midland a request for debt validation, including proof of ownership, account documentation, and verification of the amounts being reported. On XX/XX/XXXX, Midland responded by providing a billing statement for only XXXX account, which does not constitute proper validation and does not explain the existence of multiple accounts or the differing balances. On XX/XX/XXXX, I sent a follow-up notice that Midland had failed to properly validate both accounts. Midland subsequently sent additional billing statements, which still do not establish the validity of the debt, do not prove ownership, and do not explain the discrepancies between the accounts. Despite my dispute and requests for validation, Midland continues to report and attempt to collect on these accounts. This constitutes failure to validate the debt and misrepresentation of the amount and status of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I am being charged {$410.00} for equipment when that was never in any contract that it would be that much. I also returned it and have moved from that residence for months now any equipment that is there doesn't belong to me as I have already returned it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
I have regularly checked my credit reports from all 3 bureaus, but this one Collection Company Jefferson Capital System. I have disputed this collection amount several times. I discovered that this company bought the account from XXXX back in XXXX. I tried discussing the amount with XXXX which had charges for calls in XXXX. I don't up to this day have or know anyone in XXXX. I have been fighting this a long time. All I need is to have it off my credit report. Every time I dispute it, it goes down as an update on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
This collection was added to my credit report on XX/XX/year> and is not my debt and proven identity theft. I have already contacted the bureaus about this collection but I demand removal within 4 days per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AL

Complaint narrative:
I am filing a complaint against Netspend regarding unauthorized transactions and failure to provide provisional credit as promised. On XX/XX/year> I discovered approximately {$720.00} and {$180.00} in unauthorized online transactions on my Netspend account. XXXX of these transactions were for the same amount ( {$52.00} plus a {$3.00} fee ), and all transactions occurred between approximately XXXX PM and XXXX AM while my household was asleep. These were not authorized by me or anyone in my household. I promptly reported the transactions and filed disputes with Netspend. I was instructed to submit a written notice, which I did. I was then told that I would receive a provisional credit for the disputed amount within XXXX days. That XXXX timeframe has now passed, and I have not received the promised provisional credit. When I followed up, I was told the credit XXXX not be issued until XX/XX/XXXX, which contradicts the original timeline I was given. Under the Electronic Fund Transfer Act, I understand that financial institutions are required to investigate unauthorized transactions and provide provisional credit within a reasonable timeframe when the investigation is ongoing. I have complied with all requested steps, yet Netspend has delayed issuing the provisional credit without clear explanation. This delay has caused significant hardship. Due to not receiving the promised funds, I was unable to attend my fathers memorial service. My father passed away a few days before XXXX, and missing this important event has caused emotional distress in addition to financial strain. I am requesting : XXXX. XXXX provisional credit for the disputed amount XXXX. A full investigation into these unauthorized transactions XXXX. Written confirmation of the outcome of the investigation XXXX. Consideration of compensation for the hardship and emotional distress caused by the delay I would like this matter resolved as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: LA

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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
Collection company ( Jefferson Capital Systems ) is trying to knowingly collect a debt that is time barred. The old debt is significantly past the statute of limitations in the State of New Mexico. The debt is over 10 years old for cell phone bill with XXXX. XXXX doesnt even exist anymore. This company has known to constantly violate consumer rights. I dont want this company to try to re-age a time barred debt, nor do I want them to try to put it back on my credit file as it was discharged years ago. I want them to fully comply and stop any attempts. I presently sent a Cease and desist letter. I doubt they will comply upon their rogue reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On my credit report this One main Financial account is closed and written off. The company has not sent the XXXX I requested. IRS Reporting Requirement : Under XXXX XXXX. XXXX, creditors are required to issue XXXX XXXX when a debt is canceled or abandoned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I did have a credit card balance. My identity was hacked and my credit card was jeopardized. I have several negative postings on my credit reports, with all bureaus that have the incorrect amounts on them. I have been denied credit at other companies due to this inaccurate posting ( s ). I am requesting the following items and documents from NFCU : 1.The forward flow of agreement, 2. The chain of assignment, proving that I made these purchases and owe this amount and debt, 3. The account level of documentation, and 4. The accurate balance of the account. Each bureau has a different amount posted. I have been summonsed to court without any of this being resolved or discussed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation