vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Zions Debt Holdings
State: TX

Complaint narrative:
In XX/XX/XXXX, I discovered a collection account being reported on my XXXX  credit report by a company named Zions Debt Holdings for a balance of {$780.00}. The account is listed as opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The account is marked as placed for collection and account information disputed by consumer. 

On XX/XX/XXXX, I received an email communication from Zions Debt Holdings stating that they had purchased the account from XXXX XXXX and that the balance owed was {$780.00}. The email also stated that if the account were paid in full, the company would offer full deletion from the credit bureaus. 

I did not receive any formal written debt validation notice prior to this communication, nor was I provided documentation verifying the debt, proof of ownership, proof of assignment, or proof of authority to collect or report the account.

The company is reporting this collection account on my credit file while failing to provide legally required validation and verification. They are also offering pay-for-deletion, which confirms they are controlling the reporting of the account while reporting disputed information.

After discovering this, I disputed the account with the credit reporting agency and submitted formal written disputes and validation requests. The account continues to be reported without documentation proving legal ownership, chain of title, contractual obligation, or authority to furnish consumer data.

This raises concerns of inaccurate reporting, lack of verification, improper debt validation, and noncompliance with federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am requesting investigation, documentation, and resolution of this matter, including removal of any inaccurately reported information and enforcement of compliance with consumer protection laws

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I did not receive the need information from the XXXX  XXXX XXXX company I paid what there customer service person told me to pay to close out the account however she did not tell me there would be a cancellation fee as well. So I called them and they corrected the error and I make the full payment that the customer service representative said it would be in full. So I have the payment receipt to show proof, I am requesting the negative information to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was unknowingly charged for a Coinbase XXXX subscription for approximately XXXX  months. I did not knowingly enroll in this service and did not use the benefits. When I discovered the charges, Coinbase only refunded XXXX month despite the charges totaling XXXXXXXX XXXX XXXX  This is an unfair billing practice and I am requesting a full refund of all months charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I paid a loan off in its entirety, but there was a bit of an over-payment ( ~ {$270.00} ). That account has been idle with a {$270.00} credit for over 1 year. I have asked several times throughout the year to have that credit applied to another account where I have a balance. They have not responded to several messages over the past year.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted Equifax on XX/XX/XXXX I indicated that I was contacting them in regard to my complete dispute forms. The FTC and Identity Theft Report as well as the inaccurate information that was listed on my credit report. I advised the representative as well as the supervisor that I mailed the documents Certified Mail with Return Receipt that shows proof of my filings. I asked if there was a department that could be looked into from the mailroom to resolve the issue made on XX/XX/XXXX, and it was received at XXXX on XX/XX/XXXX, and received no remedy. I advised that I spoke to a representative by the name of XXXX from the USPS Department on XX/XX/XXXX that made a service request case # XXXX Equifax and XXXX for XXXX. 
The Supervisor provided no assistance to resolve the matter ; they didn't want to take down any tracking number or the service request number. I was told that whenever they get around to it they will notify me. That is unacceptable under FCRA laws and guidelines that it has been over the number of allotted days for a accurate and disputed inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XXXX and XXXX, I sent over {$4000.00} through XXXX XXXX  and about {$8000.00} in cash from my Chase account to an individual named XXXX XXXX XXXX XXXX ( XXXX XXXX  : $ XXXX ). He told me he needed financial help and repeatedly promised that he would repay me once he secured a job. He assured me multiple times that repayment would be immediate once he was employed. Despite these promises, he never repaid any of the money. Throughout this period, he avoided responsibility and showed no intention of working or paying back the funds. Prior to this, he contacted me from XXXX  on two separate occasions asking me to bail him out. Although I refused, he continued to pressure me for financial help. He ultimately convinced me to send more than {$12000.00} under the promise that he would repay it, which never happened. In addition to the money sent, I also paid for his flight ticket and have been covering the cost of his XXXX phone and phone bill. He has never reimbursed me for any of these expenses. I've calculated the total amount he owes me. I'm a single parent supporting a XXXX child and losing this money has caused significant financial hardship. I'm requesting assistance in recovering the funds that were taken from me under false promises. I have screenshots of the receipts showing the funds I sent and can provide them if needed. Although I deleted the messages after blocking him, XXXX XXXX XXXX should still have records of our conversations through the XXXX app, and he used the video phone for XXXX communication while he was XXXX. 
Additionally, I haven't received any child support payments since XX/XX/XXXX, which has added to the financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Tried to contact company about 1095 and original signed documentation to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC
State: GA

Complaint narrative:
I ordered XXXX of XXXX  for groceries. I moved saving to checking ( no pun intended ) and paid for my groceries. Hours later my account goes from XXXX to XXXX. And I cant even make it negative because I dont have the overdraft option. After showing proof of verified purchase from XXXX  and saving XXXX proceeded that they seen nothing. Will be changing my bank immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this account and requested full validation and verification of the alleged debt. Despite the account being under an active CFPB dispute, the debt collector continued to report and update the account to the credit bureaus, which caused ongoing damage to my credit. 

This account was already deleted from XXXX, demonstrating that the information could not be consistently verified. However, the collector continues reporting the account to other credit bureaus, creating inaccurate and conflicting credit information. 

I requested documentation proving ownership of the debt, accuracy of the balance, and confirmation that the account was being reported correctly during the dispute. The company failed to provide proper verification, yet continued reporting the account. 

Reporting or updating a disputed account without proper verification violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Due to the continued reporting during an active dispute and the inconsistency across credit bureaus, I am requesting a full investigation and permanent deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) Fax : ( XXXX ) XXXX Subject : Complaint Regarding Unauthorized Contact and Privacy Concerns JPMorgan Chase Dear Sir or Madam, I am filing this complaint regarding repeated and unnecessary contact from JPMorgan Chase & Co., specifically involving XXXX XXXX, which I consider harassment and a violation of privacy. 

Background : I sold the property associated with this loan to XXXX XXXX and XXXX XXXX. 

All requested information regarding the down payment was already provided to the original lender, XXXX  XXXX XXXX, at the time of the loan. 

The loan was later sold to JPMorgan Chase and is now serviced by XXXX XXXX. 

Despite this, JPMorgan Chase sent me XXXX letters dated [ insert dates ] requesting information and audit responses that I am not legally obligated to provide. 

I previously sent a Cease & Desist letter, faxed on [ insert date ], demanding no further contact. 

Concerns : Harassment : JPMorgan Chase continues to contact me unnecessarily after the Cease & Desist letter. 

Homeowner Privacy Violation : Continued inquiries about the loan could violate the privacy rights of the current homeowners, XXXX XXXX and XXXX XXXX. 

Improper audit/contact : The bank is requesting information after the loan has been sold and all relevant documentation exists with the original lender. 

Requested Action : Investigate JPMorgan Chase 's conduct and ensure they cease all unnecessary contact with me. 

Protect the privacy of the current homeowners and ensure compliance with federal regulations regarding loan and consumer information. 

Provide a written response confirming that the bank has ceased further contact. 

Cease & Desist letter and fax confirmation Property sale and loan documentation Thank you for your attention to this matter. I request your assistance in ensuring that JPMorgan Chase ceases harassment and respects homeowner privacy. 

Sincerely, [ Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am submitting this response to formally explain my dispute regarding a collection account that is being reported on my credit report. 

I sent a written debt validation request to the collection agency reporting this account, requesting documentation to validate the alleged debt, including a copy of any contract or agreement bearing my signature that establishes my legal obligation to pay. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
The collection agency failed to provide any validation or documentation. Instead of responding appropriately, they returned my original letter to me without providing any proof, confirmation, or explanation. To date, no debt validation has been provided. 
Additionally, I submitted written disputes to all three credit reporting agenciesXXXX XXXX and XXXXclearly outlining the violations of federal law and asserting my rights as a consumer. Despite this, the inaccurate information continues to be reported, and no proper investigation appears to have been conducted, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

This account is alleged to be a medical debt. I have no legal contract with the collection agency, nor have I ever provided written consent or authorization granting them access to or the right to use, disclose, or verify my private medical information. Any attempt to validate or report this debt without proper authorization raises serious concerns under the Health Insurance Portability and Accountability Act ( HIPAA ). 

To summarize : The collection agency failed to validate the debt as required by law. 
No contract or agreement exists establishing my obligation to this collector. 
The collection agency improperly returned my validation request instead of responding. 
The credit bureaus failed to properly investigate my disputes. 
I did not authorize the release or use of my medical records. 

I am requesting that the CFPB review these violations and require corrective action, including the removal of this unvalidated and inaccurately reported account from my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a XXXX credit card issued by Synchrony Bank. I previously paid off the full balance on the account, including all interest that had accrued. After the balance was paid to {$0.00}, Synchrony Bank continued to assess interest charges on the account, resulting in a small remaining balance. 

As of XX/XX/XXXX, the account balance was {$0.00}. Despite this, Synchrony added interest charges of approximately {$0.00} per billing cycle. The current balance is {$4.00}, which consists entirely of interest charges applied after the balance was paid in full. 

I contacted Synchrony Bank by phone on XX/XX/XXXX to dispute the continued interest charges and to close the account. During this call, I was told that I could not close the account unless I paid the remaining balance and allowed XXXX additional back-to-back billing cycles to pass. This requirement was not disclosed at the time the card was opened and was not explained clearly in the cardholder agreement during the call. 

I had already paid a significant amount of interest on this account prior to paying the balance in full. I am an XXXXXXXX XXXX XXXX XXXX  and I believe the continued assessment of interest after payoff, along with the refusal to close the account unless additional interest is paid, is unfair and misleading. 

I am requesting that : All remaining interest charges be removed, The account be closed immediately with a {$0.00} balance, and Synchrony Bank stop assessing interest on accounts that have already been paid in full.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
i was never informed that this company bought my debt. and i get calls from them trying to trick me to answer comes on the caller id as mcm. they make it look like mom is calling

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute and report fraudulent activity on my credit report account in the total amount of {$22000.00} I am the victim of identity theft, and despite filing multiple fraud claims and speaking with various representatives and supervisors, no resolution or investigation has taken place. 

I discovered unauthorized activity on my credit report invoking XXXX, XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, including charges and/or services I did not open, authorize, or benefit from. I immediately contacted the department and completed all required steps to file a fraud claim. 

Please find enclosed the following supporting documentation : A copy of my FTC Identity Theft Report ( if available ) A copy of my government-issued ID for verification Documentation showing the fraudulent charges or accounts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Credit Billing Act, I am requesting that 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 explanation
Consumer complaint received 2026-01-26 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: DISCOVER BANK
State: ID

Complaint narrative:
I am disputing a {$1400.00} charge for a couch purchased through XXXX because the item delivered was materially not as described and defective. The listing advertised a seat height of XXXX inches, but the couch delivered measures approximately XXXX inches. It also had quality issues, including mismatched ends, fabric mismatch, and modules that did not line up, and it did not match the product photos. 

The couch arrived compressed, and these issues were not discoverable until it was opened. I contacted the merchant to return it. The merchant refused to provide proper prepaid return shipping labels and insisted I pay return shipping quoted between {$1200.00} {$1800.00}, which is close to or exceeds the cost of the item. 

On XX/XX/year>, I attempted to return the item using the return label/address information provided through XXXX by XXXX merchant ( XXXX ). However, the XXXX agent advised the labels were incorrect. The labels were not prepaid, were for parcel post, and were not the correct XXXX freight labels required to return a XXXX XXXX couch. 
I continued requesting the correct prepaid LTL return labels from the merchant for several days. I did not file a chargeback until XXXX XXXX XXXX because I was attempting to resolve the issue directly and return the couch properly. 

Discover initially approved the chargeback, and XXXX XXXX has also marked the transaction as refunded via chargeback. However, Discover later reversed the chargeback and stated the transaction was valid, apparently based on proof of delivery and a claim that I have no consumer protections because the purchase was made through my XXXX XXXX account. I paid using my personal Discover consumer credit card, and delivery is not disputed. The dispute is that the item delivered was not as advertised, and the merchant failed to provide a workable return method. 

As can be seen from customer reviews, I am not the only person who has experienced these issues. In at least XXXX case, the seller agreed to refund the item citing warehouse mistakes. I request that the same principle of fairness and policy be applied to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute and report fraudulent activity on my credit report account in the total amount of {$22000.00} I am the victim of identity theft, and despite filing multiple fraud claims and speaking with various representatives and supervisors, no resolution or investigation has taken place. 

I discovered unauthorized activity on my credit report invoking XXXX, XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, including charges and/or services I did not open, authorize, or benefit from. I immediately contacted the department and completed all required steps to file a fraud claim. 

Please find enclosed the following supporting documentation : A copy of my FTC Identity Theft Report ( if available ) A copy of my government-issued ID for verification Documentation showing the fraudulent charges or accounts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Credit Billing Act, I am requesting that 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 explanation
Consumer complaint received 2026-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XXXX I filed a complaint with XXXX  XXXX XXXX XXXX XXXX ), XXXX, and the CFPB XXXX explaining : 1 ) .The Debt is not owed because Capital One " Discharged '' the debt after I disputed it through XXXX. Additionally, long before this debt was sold to XXXX I disputed the debt directly with Capital One in addition to the XXXX  dispute ; 2 ). I want the false reporting of this debt to the credit bureaus to stop ; 3 ) .And I demanded Deletion. 

In response XXXX  " deleted '' the debt from my credit report and my credit score went up XXXX points. As of XXXX XXXX  is once again reporting that I owe the debt and my credit score has gone down XXXX points. 

Therefore, I am demanding that XXXX  delete this debt from their reports and that my credit score go back up XXXX points. Additionally, I am demanding that Capital One provide a copy of the letter sent to me by them stating that the debt has been discharged. I am also demanding that XXXX  review their records, which show additional proof the debt was discharged by Capital One before being sold to XXXX. 

Why would XXXX  delete this debt then start reporting it again?

Company response to consumer: Closed with explanation