vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: CA

Complaint narrative:
My virtual apple XXXXCard  number was used to buy an XXXX. I immediately disputed the charge with XXXX and XXXX  XXXX XXXX. The XXXX was shipped anyway. After it arrived the criminal sent a XXXX driver to my house to pick it up. I return the XXXX to a local XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
They are reporting this as the original creditor but they are not. 


I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed below is being reported incorrectly : Collection Agency Name : Account Number : Original Creditor ( as listed ) : This account is being reported as an original creditor. However, this company is a collection agency and is not the original creditor. Reporting a collection agency as the original creditor is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW WORLD COLLECTIONS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of a collection account being reported by New World Collections showing an approximate balance of {$29000.00}. This tradeline is inaccurate and is damaging my credit reputation. 
I am not the original account holder / primary borrower for this debt. I am listed only as a guarantor, and I dispute that I have any personal liability that permits this item to be reported as a consumer collection account under my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of disputed information. If the furnisher can not verify that this account is accurately reported and legally attributable to me, you must delete or correct the item. 
Please provide the results of your reinvestigation and the method of verification used. If the item is verified, please provide the name, address, and telephone number of the furnisher and the information relied upon to confirm it is properly reportable under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
On XX/XX/year>, and for the last year or XXXX, I received emails from Radius Global Solutions LLC attempting to collect on an alleged XXXX account and offering a reduced payoff. 

This account was previously disputed and has already been removed from my credit report as inaccurate and unverified. 

Despite the deletion and lack of verification, Radius Global Solutions is continuing collection activity by emailing me and attempting to induce payment on a debt that has not been validated. 

I have not received any debt validation from this company, nor have they provided proof that this debt is legitimate, that the balance is accurate, or that they have the legal right to collect it. 

This appears to be an attempt to collect on a debt that can not be verified and is no longer legally reportable.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: TN

Complaint narrative:
2016 I was the secondary signer on the account! Th primary holder is my mother! Its been over XXXX years since I helped her co-sign! The company is no longer in business and has been on my credit report for about XXXX years now! Still collecting interest! Going from {$2000.00} to now up to {$4700.00} according to LENDMARK COMPANY Ive been ordered to court twice with my mother not receiving a notice! I called to ask to settle for an amount with the company Lendmark! I get denied and told to seek legal action each time! I never get to speak to the head lawyer at all! Its always secretary and lawyers in the office and they cant believe what they are seeing about a couch the company wants nearly {$5000.00} for! They wont accept what I can affford to pay them now they are trying to garnish my bank account for funds! Please I need help and a debt trying to be collected over XXXX  years should be an error if Im not mistaken in the state of Tennessee! I really need help so this can be resolved and I can stay out of court not being able to afford the payments they want me to pay! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunbit, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX / Sunbit ( Re : Account reported as XXXXSUNBIT ) Re : Debt Validation Request XXXX/SUNBIT Account ( Charged Off ) To Whom It May Concern, I am writing regarding the XXXXSUNBIT account that appears on my XXXX credit report. This account is reported as charged off as of XX/XX/XXXX, with an alleged balance of {$990.00}. 
This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and applicable provisions of the Fair Credit Reporting Act ( FCRA ). 
Please provide the following documentation : XXXX. The exact amount of the alleged debt and a complete itemized accounting of all charges, fees, interest, and credits applied. 
XXXX. A copy of the original signed contract or agreement bearing my signature. 
XXXX. Proof of your legal right to collect this debt, including any assignment or transfer documentation. 
XXXX. The date of first delinquency and payment history for the account. 
XXXX. Verification that this account is being reported accurately and in compliance with the FCRA to all credit reporting agencies. 
Until such time as proper validation is provided, I request that all collection activity cease and that no further reporting or updating of this account occur. If you are unable to provide the requested validation, I demand that this account be removed from my credit file immediately. 
This letter is not an acknowledgment of liability nor a promise to pay. It is a request for validation only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OH

Complaint narrative:
As of XX/XX/XXXX, my private student loan with MohelaXXXX is XXXX months passed due. I opted to speak to someone regarding the loan as the loan has a variable interest rate which is keeping me in a financial barrier. I spoke to XXXX XXXX. The original loan amount was for {$8000.00}. I have paid {$15000.00} to the lenders and I asked could the loan be forgiven due to this fact. 

I asked for any programs or even a payoff for my diligent pay at nearly 50 % from its original loan amount. The payoff is {$11000.00} as of XX/XX/XXXX with a 15 % interest variable rate. This has increased drastically since this was in a payment status, XXXX. I'd also like the original documents as it pertains to this loan so I can verify the interest being set as variable. This loan was easily taken out when I was XXXX XXXX XXXX, novice and no awareness to this topic. 

I also want a forgiveness program since I have paid nearly 50 % more ( short {$40.00} ) of the original loan amount. Or a payoff. I shouldn't have to drastically default to get a payoff to settle this when I have paid what was borrowed and then some. My credit also shouldn't be affected when I have paid what was borrowed and 50 %. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Called 4 times and hung up on. started 4 chats and told to call. got through XXXX time and they couldnt update my address or give me info and left me on hold for XXXX min just to be hung up on again. 

im trying to submit the needed docs for my SCRA benefits for being 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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I discovered a collection account reported by Transworld for an alleged XXXX XXXX debt in the amount of {$660.00}. This account appears on my XXXX and XXXX credit reports. According to my credit reports, the account was reported around XXXX 2025. I did not open, authorize, or use a XXXX XXXX account, and I do not recognize this debt. 

After noticing the account, I requested validation from the collection agency, including proof of the original agreement, authorization, and documentation showing the account belongs to me. At this time, no documentation has been provided showing that I am responsible for this debt. 

I am reporting this account as identity theft because the account was opened without my knowledge or consent, and the collection is inaccurately reporting information that does not belong to me. I am requesting that this account be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Request for Validation of Alleged Debt To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe to Capital One. This letter serves as a formal request for validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement. 

A complete itemized accounting of the amount you claim is owed. 

The name and address of the original creditor, and documentation showing that Capital One has assigned or transferred this debt to your agency.

Proof of your authorization and license to collect debts in my state.

Verification that the statute of limitations has not expired for collecting this debt.

A copy of any judgments, if applicable.

Until you provide the requested documentation, you must cease all collection activity, including reporting or verifying this debt with any credit reporting agencies. If you have already reported it, please notify the credit bureaus that the debt is disputed. 

Be advised that any attempt to collect this debt without providing proper validation is a violation of federal law. 

I expect your response within the timeframe required by law. If you can not provide the requested documentation, you must cease all collection efforts and remove any related information from my credit reports. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Company : Gurstel Law Firm , P.C . 
Also involved : XXXX XXXX XXXX, XXXX Attorneys involved : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX / XXXX What happened I timely disputed an alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX failed to provide proper validation within the statutory XXXX period required under XXXX XXXX. XXXX. After the deadline had passed, the firm sent repetitive and substantially identical packets of incomplete documentation, first under the name XXXX XXXX XXXX and later under XXXX XXXX, without curing the deficiencies or addressing my written dispute. 
The packets sent by Gurstel Law Firm : Were provided outside the required validation window Do not include a copy of the original signed contract Do not disclose the amount XXXX XXXX XXXX paid to acquire the debt ( the purchase amount is redacted ) Do not establish legal standing to collect Appear designed to pressure payment rather than to provide lawful validation After I responded to the initial packet sent under XXXX XXXX XXXX, I received another packet containing the same deficient materials under XXXX XXXX name. The use of multiple attorney names to resend the same incomplete validation materials does not cure the failure to comply with the FDCPA and constitutes continued collection activity after dispute. 

Why this violates the FDCPA I believe this conduct violates the following provisions of the FDCPA : XXXX XXXX. XXXX ( a ) failure to provide timely and proper validation XXXX XXXX. XXXX ( b ) continued collection activity after a timely dispute without providing proper validation XXXX XXXX. XXXX false, deceptive, or misleading representations regarding the legal status and enforceability of the debt XXXX XXXX. XXXX unfair or unconscionable collection practices Sending untimely and deficient validation packets after the statutory deadline while rotating attorney names misrepresents compliance with federal law and unlawfully continues collection activity. 

What I want This complaint documented on record A written response explaining how XXXX XXXX XXXX actions comply with the FDCPA Assurance that collection activity will cease unless and until proper validation is provided in accordance with federal law I am not refusing to review legitimate validation. I object to repeated, incomplete paperwork being used to simulate compliance with the FDCPA. 

Attachments My original written debt validation request XXXX packet sent under XXXX XXXX XXXX XXXX packet sent under XXXX XXXX Proof of receipt dates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
My son had been having medical issues and had XXXX major duties and had been hospitalized for some time. Ive reached out in the pass about issues and no help was rendered. I did get a few notices but only via email not through mail! My portal which i have set up for my account only has XXXX notice from XXXX. I received an email just yesterday about paying a charge off amount of XXXX which i intended on paying tomorrow because i had to beg my XXXX company to give me my money i was in need all my bills are behind. But not even XXXX hours after this notice my car is repossessed! The company didnt give me a change to even pay the charge off amount and now like i started i have a sick child who had an appt today and this has literally ruined everything for me! Why arent these notices in my docents box? Why am i getting emails and not mailed letters and also why am i given a chance to pay a charge off and my vehicle he been taken. I have talked to a lawyer about this and will move on with a lawsuit if we can not come up with an arrangement! See all my proof. I sent that i had a deposit pending they sent my money late! I was going to pay! Everytime i talk to someone they never help me i also submitted how i was only approved for help twice! Like i said i have sick children XXXX have XXXX i sent in the one who almost died and was in the hospital during the time i could not pay! y house is also in active foreclosure thats why i attached my mortgage assistance package! Im  struggling and it hard to get by and i feel like i wasnt given enough time i didnt have the money now i do and now i will still owe i just want to be cleared! Life has been along raising XXXX kids that are not eligible for any kind of assistance i have tried to get everything no luck!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX Advance Financial took XXXX payments from both of my accounts : XXXX Bank and XXXX XXXX XXXX XXXX account. When I contacted Advanced FinanciaXXXX about this matter back in XXXX, the teller stated that he did not see where they had charged my XXXX banking account and I stated sir, I am looking at my mobile app and it is showing where you guys charged this account, I told him that I did not give Advance Financial permission to take money from my XXXX account and that payments are made through my XXXX XXXX XXXX XXXX. XXXX took XXXX payments on XXXX XXXX in the amount of {$160.00}. I have sent an email to XXXX regarding this account and for some reason I am always told that this email was not received! There was an attachment on this email from Advance Financial from when I sent this message to the XXXX from XXXX and previously I forwarded my banking info from when I sent the first dispute from XXXX! This had my checking account in overdraft status since XXXX they have recently closed my account it has been in negative status for a long time due to this issue. XXXX XXXX they tell me I have to wait XXXX days for the merchant to respond! This is XX/XX/XXXX and this has been going on since XX/XX/XXXX! I need this matter resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a call from a XXXX XXXX in the state of Maine. They are called XXXX XXXX XXXX. Case XXXX XXXX XXXX states that they are not on google and she refuse to provide me with a debt validation letter. Apparently i had Bank America account in 2017 which I did not and when I ask for more information she does not have it. They are not on XXXX and seems fraud.

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 2026-02-05 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: TX

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally escalate an ongoing issue regarding overdraft fees on my U.S. Bank account. 

I have made multiple attempts to resolve this by phone. During one call, a banker explicitly told me that overdraft fees would be turned off on my account and that depositing {$20.00} would prevent my account from remaining negative. This was XXXX XXXX,2026. That information was incorrect, and I relied on it in good faith. As a result, additional overdraft fees were still charged. 

I later spoke with a supervisor who stated she would follow up within 48 hours After she listens to that phone call I had with the previous banker. It has now been over a week with no communication. The misinformation provided and lack of follow-up have been unprofessional and unacceptable. I spoke with another banker today, XX/XX/XXXX XXXX PM, I explained my ongoing issue, she became aggressive with me. She said her supervisor was unavailable to speak because shes on a call and that she will call me back. I said ok. She said she tried to call me on XX/XX/XXXX, that was not true information, I again was lied to. I checked my phone call history/missed calls and she did not call. Its unprofessional and I am shocked that US bank has this reputation. I am let down as a consumer. 

I am not disputing legitimate transactions. I am disputing overdraft fees that resulted directly from incorrect information and failure to resolve the issue when first reported. I am requesting a full reversal of all overdraft fees so I may pay the true balance owed and close the account. Which holds 9 overdraft fees in the total of {$320.00}. I am currently negative a total {$490.00} in my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am XXXX XXXX XXXX on limited I was a victim of phone impersonation fraud scam someone text me like they were from XXXX XXXX prop prevention division. They proceeded to tell me that my account was being compromise. My cash account was being a compromise. They led me through a fraudulent process. They were able to take {$2500.00} from my banking account I called the bank. I called XXXX XXXXp and I called the XXXX  file report.

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