vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
About XXXX weeks ago I purchased an item at XXXX. Store employee told me if I signed up for credit card Id get a promo of {$60.00} off next time I came in. They said itd be associated with account phone number. I asked specifically and told them Id be canceling it right away cause I dont like having these around. I came back in XXXX weeks later the XXXX. Only a {$10.00} promo was there. They said it might show up in a XXXX days, come back return it but take the promo off. Came back today, still not there. Talked to manager said best he could do is another {$10.00} off or he could get fired. Corporate : stop entrusting minimum wage employees to what amounts to a crime! I would never have gotten this card or messed up my credit score, no matter how minor, if that employee hadnt made a mistake about the promo!

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 2026-04-27 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally bank called me on Saturday they told me someone open up an bank account in my name they also told me they are they fraud department, they wouldn't give me any information but they wanted information from me.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have subscribed to an XXXX XXXX issued by XXXXXXXX XXXX for the past XXXX years. I was notified that XXXX XXXX was switching from XXXX to Citi. I received an unsolicited XXXX card that had no reference to XXXX XXXX and I notified XXXX that I did not want this card. I then applied for and received a Citi Mastercard that earned miles on XXXX, believing that I needed to do that in order to preserve my mileage account. About a month later I received an unsolicited XXXX XXXX from Citi Bank. I contacted Citi Bank customer service as shown on the back of the card. I requested that the unsolicited XXXX XXXX be XXXX in such a way as to not reflect negatively on my credit report. The customer service representative and then her supervisor indicated that that could not be done. I inquired as to the possibility of simply not activating the unsolicited card and was told that I would be billed the {$95.00} annual fee even if I never activated the card. At that point I gave up and asked to simply close the account. In order to close the account I was told that I must agree to a disclosure that indicated that my accumulated miles would be canceled after XXXX months. I have always paid my bills before the due date and I cherish the credit score that I have earned over the years. I also believe that the XXXX XXXX miles that I have earned over XXXX years of travel should be mine to keep. I wish to have the aforementioned unsolicited XXXX XXXX eliminated without negative credit report implications or loss of earned XXXX XXXX miles.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been very loyal customer of Webster Bank for well over 25 years recently. I have been hit with so many overdraft fee is that I am now in debt and cant even afford to close this bank account. Ive called numerous times, and it will only refund up to XXXX overdraft fee charges at a time. Ive tried to opt for my savings to be linked to avoid fees, as I used to have enough in my account before they began to charge me sometimes XXXX times in a day, and several times a month, making it impossible to maintain my finances and sinking me in to debt. I have asked for the car to be declined if there are insufficient funds, so I have an opportunity to transfer money but I still get charged. Ive asked if there is a more up-to-date website and or app that can be used in order to notify me when my funds are low, such as XXXX, or XXXX which are all free banking app, but their online communication and apps are very dated and often dont even work. Each insufficient fund, is {$35.00} You are only available to view XXXX days of transactions online at a time From XXXX I was charged XXXX XXXX XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$280.00} this totals to {$560.00} in only XXXX months. I can not afford nor should I be expected to pay over {$1000.00} a year for a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
We had a student loan with Aidvantage for many years. We applied to XXXX for a lower rate. XXXX lied about if the loan would be forgiven, if I died. They replied " yes '' in an email to me. We discovered later that this was not true, so we went back to Aidvantage. XXXX mailed the check to Aidvantage on XX/XX/year>. and said they could not stop the check, once it started processing. XXXX 's check has been received and posted at Aidvantage. The payment for the XXXX 's check is coming due. After ( XXXX ) calls to Aidvantage to identify when the check will be returned to XXXX, I still do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some inquiries that I do not authorized was reported on my credit report and I am calling the attention to immediately remove these inquiries because I do not consent to this report no do I have anything to do with them the FCRA laws does not permit this act please kindly delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I was double charged by XXXX XXXX for a bill I was trying to pay online for {$500.00}. I immediately called XXXX XXXX to resolve this and was told I would be issued a refund within 5 days. After not hearing anything back for several days, I filed a claim with Chase Bank on XXXX XXXX. I saw that I had received a deposit for the same amount as the refund I had requested on XXXX XXXX. I called Chase bank to ask if this was a temporary credit or if it was the refund. The representative at Chase Bank that I was talking to barely spoke English and did not understand that I was asking if the funds were the refund or a temporary credit. I told her if it was a refund then I didnt need my claim anymore but if it wasnt a refund from XXXX XXXX, I wanted the claim to stay open. The representative did not check my account to verify if it was a refund ; instead she closed my claim and hung up on me. I called Chase bank again on XX/XX/year> once I received notice the claim had been cancelled. I told the representative at Chase bank that it had been cancelled by mistake and then she yelled at me in another language and hung up on me. I tried to then contact XXXXXXXX XXXX on XXXX XXXX to find out what had happened to the refund they originally said they would send and was told that they had cancelled the refund since they were contacted by Chase Bank on XX/XX/year> and that Chase Bank sent them a recall request. The funds were never received by me and I was never informed of this by Chase Bank since they said they had cancelled my claim. I contacted Chase bank again on XX/XX/year> to tell them the vendor had said they issued the funds back to Chase bank but I had received no reimbursement from XXXX XXXX or from Chase Bank. Chase bank said they would reopen the claim and look into what happened, but on XX/XX/year> I was sent a notice that the claim had been closed. I have still not been issued a refund from XXXX XXXX and Chase Bank never gave me back the funds that XXXX XXXX sent to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase Bank closed my credit card account ending in [ XXXX ] citing 'History of poor credit performance with Chase ' and 'Total balance on credit card accounts with us. ' These reasons are factually incorrect and based on inaccurate data. My current personal credit card has a {$17000.00} limit with a balance of only approximately {$230.00} representing a XXXX % utilization rate. My credit reports from XXXX XXXX XXXX XXXX show this account as 'Paid as Agreed ' with no late payments. The 'poor performance ' and 'high balance ' Chase refers to are the result of a previous fraudulent business account totaling {$68000.00}. That fraudulent activity was already disputed through the CFPB and successfully removed from my credit bureau reports. It appears Chase is making an adverse decision based on 'phantom ' internal data or a failure to synchronize their internal records with the corrected legal data provided by the credit bureaus. By closing a perfectly managed account due to previously refuted fraudulent data, Chase is in violation of the Fair Credit Reporting Act ( FCRA ) regarding the requirement for maximum possible accuracy. This action causes me direct financial harm by reducing my total available credit and unfairly inflating my credit utilization ratio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
I asked for debt verification of this item and nothing could be provided. I did not sign up for this account and they could not provide anything showing I did. It is reporting as a bad unpaid debt that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Starting XX/XX/year> I deposited my winnings into PayPal 's crypto account sold it to my PayPal balance and after that I started receiving transfers to random names that have changed over time as well as companies that are not legit. I reported these transactions immediately as well as PayPal has informed me via email that my account was being used without my authorization. They put restrictions on my account etc. I've done my due diligence with no prevail due " their automated fraud system is denying me '' even after they refunded a few smaller transactions that they deemed unauthorized. Never got the provisional credits for all of the transactions I disputed. They just cut me off and wouldn't allow me to even dispute anymore transactions.Then a month later they reversed those transactions and took their money back without explanation causing my account to go negative. Took XXXX XXXX of asking only for them to give me an automated response that says the same thing over and over again. The reason for denying me is because they said the IP addresses were consistent for that time frame so that means these are not unauthorized and are holding me responsible. Their fraud system identified the fraud, I identified the fraud, other financial institutions have as well identified the fraud, and yet I can't get any answers or responses as I'm being told they can't look that far back in their systems and that it's been more than 10 days I'm not allowed to appeal and that they are happy with their decision. I've also received over XXXX fake invoices which I reported to paypals phishing dept and was also harassed by one of the names that I disputed. PayPal was also informed of this and still no resolve. My account is still showing that it is still under review for " an account takeover '' and I have many pending deposits and transactions showing since XXXX because there was obviously fraudulent behavior on this account that PayPal was well aware of. Yet they are refusing to give me my money back or even accept the evidence that I have or see that they're on system identified fraud. They claim they did a full investigations but are denying me within hours and with automated responses only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am disputing a solar financing loan serviced by GoodLeap that appears on my credit report as a co-signed obligation. I did not sign, authorize, or knowingly consent to being a co-borrower or guarantor on this loan. I was not present during the loan signing process and was unaware that my information had been used until I later discovered the account on my credit report. I have contacted GoodLeap and requested documentation proving my authorization, including the original signed agreement and full electronic signature audit trail ( including IP address, device information, and signature method ). At this time, I have not been provided sufficient proof that I personally authorized or executed this agreement. I am requesting that the account be investigated for potential unauthorized use of my identity and that GoodLeap be required to provide full verification of the alleged contract. If proper verification can not be produced, I request removal of this account from my credit file. This is affecting my credit and I am seeking correction of what may be an unauthorized financial obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX there were XXXX unauthorized withdrawals made out of my credit union banking acct. for the amounts of {$250.00}, {$1000.00}, and {$180.00}. After filing several complaints with the company, Cash App, I received the {$250.00} back into my acct. within a couple of weeks. The {$1000.00} was just returned to me on XX/XX/XXXX. The remaining {$180.00} still has not been returned and after contacting the company XX/XX/XXXX I was told that it was for payment of a loan that I have. I do not have any loan for that amount and only have a car loan with my XXXX XXXX that I make a payment every month for the amount of {$320.00}. I would still need to get back the {$180.00} taken fraudulently back in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
A package i ordered was delivered to the wrong address by XXXX, but the label was wrong. I followed the tracking nr. and found an address in XXXX XXXX. XX/XX/26 where it was delivered. I called Home Depot to report it, and was told it was sent to the correct address, but I live in XXXX XXXX not XXXX. They said they would look into it. I then logged in to my Home Depot acct. online and opened my profile, thats where I found my email had been changed to XXXX XXXX XXXX I tried to change it back, but it would not let me have access to the account. I looked up the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX where the package was delivered and it was owned by a family named XXXX, with a phone nr XXXX. I called Citibank ( HomeDepot ) and gave them that information, but they did nothing XXXX i received an email from Home Depot that my email was changed to XXXX and that I would not have access to my account. I immediately called Citibank today at XXXXXXXX XXXX and requested the Home Depot account be closed. I filed a police report with the XXXX Police Dept, just to be on the record.

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 2026-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
* XX/XX/XXXX received an email that I had received a Deed in Lieu specialist * I promptly replied on XX/XX/XXXX * XX/XX/XXXX the XXXX placed the order for inspection. * I promptly replied on XX/XX/XXXX. * XX/XX/XXXX. I requested an update * XX/XX/XXXX. I requested another update because my XX/XX/XXXX request had no response * XX/XX/XXXX. I receive an email but my request for an update was not answered. I was told I would have an update XX/XX/XXXX. * I never received the update * I received a phone call sometime between XX/XX/XXXX and XX/XX/XXXX requesting to make the house completely vacant * I replied through email XX/XX/XXXX. The house is now vacant. I received a response XX/XX/XXXX thanking me and that the property would be winterized and seized * XX/XX/XXXX. I emailed requesting an update * XX/XX/XXXX. I received an email saying The final DIL documents have been prepared and they were submitted to our XXXX underwriter to review for accuracy. Once they are approved I will let you know, so you can be ready to sign. * XX/XX/XXXX. I email requesting an update. no response * XX/XX/XXXX. I email requesting an update. No response. * XX/XX/XXXX. I email requesting an update. No response. * XX/XX/XXXX. I receive an email saying Thanks for checking in. Unfortunately, the documents are still with the XXXX underwriter. I have not received approval for them yet. I will let you know when I get them approved. * XX/XX/XXXX. I emailed requesting an update. No response. * XX/XX/XXXX. I emailed requesting an update. no response. * XX/XX/XXXX I email requesting an update. No response. * XX/XX/XXXX. I email requesting an update. No response. * XX/XX/XXXX. I email requesting an update. * XX/XX/XXXX I receive an email saying I do understand your concern. However, I still have not received the approval for the documents. I have escalated your file to my XXXX. I will provide you with an update as soon as I hear back from him. Thanks * XX/XX/XXXX I emailed saying : Following your previous email regarding the escalation of my file to your XXXX, could you please provide an update on their response? To better understand the current status of the Deed in Lieu ( DIL ) process, I have several specific questions : - Is my file still active? - What specific items or reviews are currently pending in underwriting? - Has a foreclosure been filed? If so, what is the current status of that filing? - Could you provide clarification on why the underwriting process has exceeded six months? - Is the DIL still approved, and will the original terms be honored? Thank you for your assistance in resolving these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Regions bank in XXXX XXXX on XXXX XXXX incorrectly processed my autopay. Initially I set up auto pay. 4 days after noticing it did not draft I reported physically to the branch and work with a male desk clerk and he inserted my account information again and ensured my payment would draft. The following month, the previously failed payment and the new payment failed as well. At this time I revisited concerned and I was informed of new information, the first payment needed to be in check form to start auto draft. I was not told this in the beginning. I physically returned with two checks an hour later to process the payments. I am not responsible for the defective process at Regions.

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