vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding my 2024 XXXX tax refund that was sent to my Credit Karma Spend account after I filed my taxes through XXXX. Due XXXX an extended XXXX review process, my Credit Karma account was closed by the company before the refund was issued. XXXX the XXXX completed its review, the refund ( approximately {$5000.00} ) was sent XXXX that closed account. XXXX XXXX informed me that the funds were received on their end but could not be deposited because the account was closed. Since then, I have spent over a month attempting XXXX have the funds released or reissued XXXX me. I have completed multiple identity verification requests, including submitting photos of my government ID ( front and back ), my XXXX XXXX card, a lease agreement showing my current address, a utility bill in my name, XXXX a selfie verification with my ID. I also attempted their live verification system multiple times, which repeatedly failed due XXXX technical rejections of the images. Despite providing every document requested XXXX confirming my identity XXXX current address, Credit Karma has continued XXXX delay releasing my funds. I have been told the case is in escalation, but there has been no resolution. I am requesting that the funds be promptly reissued XXXX me by mailed check XXXX my verified current address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
Recently I was forgiven student loans for being XXXX % XXXX with the VA. I made a payment XXXX for {$1300.00}. Called Mohlea in XXXX they said I would receive a check in the mail. Still waiting.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by American Credit Acceptance. The account being reported reflects a repossession XXXX charge-off, however there are several inconsistencies in the reporting that raise concerns about the accuracy of the information being furnished XXXX credit reporting agencies. The payment history on my credit report contains several months marked ND ( XXXX XXXX ) within the delinquency timeline while the account is reported as delinquent both before XXXX after those months. This creates an incomplete XXXX inconsistent payment history. Additionally, the account reflects a charge-off amount of {$22000.00} while also reporting a remaining balance of {$13000.00}. I have not received documentation verifying the repossession process, the sale of the vehicle, the sale price, or how the alleged deficiency balance was calculated. The credit report also reflects a removal date that appears inconsistent with the payment history XXXX the date of XXXX delinquency. I have requested verification of this account including repossession documentation, vehicle sale documentation, XXXX an itemized calculation of the deficiency balance. If this information can not be verified as accurate XXXX complete, the account should be removed from my credit report with all consumer reporting agencies. I am requesting that XXXX XXXX XXXX provide full documentation verifying account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Ive called on XXXX, XXXX, XXXX XXXX XXXX they have taken off a few charges so thats good but not all have been taken off. I dont want to pay something I did not purchase. The investigation should take XXXX days but it has been over XXXX days XXXX all charges have not been removed. Ive been stressing out because of this XXXX I want it fixed as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint because I am extremely angry XXXX frustrated about a lawsuit filed against me by Trustmark Bank regarding an account that was transferred years ago. The mortgage connected XXXX this situation has long since been transferred XXXX XXXX XXXX, XXXX I have been dealing directly with them regarding that account. Trustmark Bank XXXX longer services or manages this loan, yet they have chosen XXXX file a lawsuit against me as if they still have authority over it. I do not understand why Trustmark Bank believes they have the right XXXX sue me over an account that was transferred away from them years ago. If they sold or transferred the loan, they should not be pursuing legal action against me for it. Being forced XXXX defend myself in court over something that appears XXXX belong XXXX another company is incredibly stressful XXXX unacceptable. On XX/XX/year>, I submitted my formal response XXXX the lawsuit through the court disputing the claim. Since doing so, I have received absolutely no communication or explanation from Trustmark Bank about why they believe they have the right XXXX pursue this claim. Then today, XX/XX/year>, the XXXX XXXX XXXX XXXX came XXXX my home attempting XXXX serve additional paperwork related XXXX this situation, which only adds XXXX the confusion and frustration. I am demanding that Trustmark Bank provide clear documentation proving that they currently own or have legal authority XXXX collect this debt. If they can not provide that documentation, this lawsuit should be withdrawn immediately. This situation has caused unnecessary stress XXXX disruption to my life. I expect a clear explanation of why this lawsuit was filed XXXX proof that Trustmark Bank has the legal right XXXX pursue it. I am also submitting a complaint regarding this matter XXXX the Alabama XXXX Banking Department so that state regulators are aware of this situation XXXX can review Trustmark Banks actions in pursuing legal action on a debt that appears XXXX have been transferred XXXX another company.

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 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Freedom Mortgage. I attempted XXXX make my mortgage payment through the Freedom Mortgage mobile application XXXX believed the payment had processed successfully. There was no indication within the system that the transaction had failed. I later discovered the payment had not processed XXXX immediately contacted Freedom Mortgage XXXX brought the account current. During that call, the representative reviewed my account XXXX waived the late fee due XXXX my otherwise perfect payment history. Despite this, a XXXX delinquency was reported XXXX the credit bureaus, which caused a significant drop in both my XXXX XXXX and my co-borrowers XXXX XXXX. I am requesting that this matter be reviewed XXXX that the inaccurate late payment reporting be corrected with the credit bureaus.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXX * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
I am receiving automated collection text messages from Associated Credit Services ( ACS ) ( Reference # XXXX ) claiming I owe an unpaid balance of {$240.00} XXXX XXXX XXXX, XXXX.. I am disputing this debt in its entirety. I have no record of an outstanding balance with XXXX XXXX XXXX have received no written validation of this debt. Furthermore, despite replying 'STOP ' XXXX these messages on XX/XX/year>, the messages have not ceased. XXXX is attempting XXXX direct me XXXX a XXXX-party payment site ( XXXX ) without providing any proof of the debts origin. I request that XXXX XXXX XXXX XXXX immediately cease all collection activity XXXX provide a full validation of this debt in writing XXXX my home address. I also demand that this unverified debt not be reported XXXX any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: TX

Complaint narrative:
Received a text from XXXX stating I owe {$15.00} XXXX Klarna on XX/XX/year>. Spoke with XXXX in the past XXXX let them know I have already paid this debt directly XXXX Klarna. Spoke with XXXX XXXX today,XXXX ( XXXX & XXXX XXXX XXXX let them know the debt had been paid XXXX Klarna. Spoke with Klarna XXXX they can not find anything. Klarna will not reach out XXXX Indebted XXXX today XXXX is sending something XXXX XXXX signed back up with Klarna today just XXXX get this resolved. Will not use Klarna in the future as before their customer service is severely lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Both my XXXX store card in my XXXX prime Visa card were charged for the same purchase, but made. I thought Id start with this card because as hard as this was to figure out. XXXX prime visa is more complex because I use it more frequently. The only reason I was using the XXXX store card because I didnt have the XXXX XXXX XXXX card in my possession. Ive had communications with XXXX and I requested a dispute and they did nothing but rearrange my account to cover up the fraud. Ive gotten some refunds and some promised, but not delivered and some XXXX bank decided to purchase for me. Im over this. These charges need to come off. My XXXX account doesnt even look normal. Most things just say ordered. Some have order confirmations. Some dont. Some say they were delivered and went to my email but they werent delivered. Some say they were delivered in my XXXX mail, but didnt actually come through to my email. See my attached communication with XXXX for my refund demand and XXXX store card because they were part of it as they listed no transactions. This is what the credit card companies are doing. Theyre all charging me on different cards for the same purchases. This is why Ive had no money. Thats why I have money now. I quit dealing with them. This is affecting my life in my health. I have autoimmune disorders that are very sensitive to stress that puts too much weight on me. Im deteriorating my kids suffer. I suffer. My first two children I bought Little cars for their XXXX birthday. My son has to do without even though I can do that for my other two. You dont know how bad this makes me feel. I think if these banks and businesses had not been committing fraud against me, I would be able to do that for him his birthday this month and I cant. This is got ta stop and I need these refunds. Im quite sure theres so much more that I dont know about.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG/CELTIC BANK XXXX XXXX * * * * * I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Last year at renewal, the price of the flood policy was {$1100.00} for $ XXXX dwelling coverage. Rocket Mortgage only paid {$1100.00}, with a check dated XX/XX/XXXX. On XX/XX/XXXX, the XXXX XXXX issued a notice of premium due XXXX get that remaining {$30.00} XXXX reduced your flood coverage XXXX $ XXXX dwelling saying thats what the premium they have on file from your lender can afford. The {$30.00} was never paid by Rocket Mortgage, XXXX thats what caused the lapse in coverage. It looks like Rocket requires $ XXXX dwelling coverage on the flood policy for this home, and since the coverage was reduced XXXX $ XXXX by XXXX, your mortgage company issued a lender placed flood policy with $ XXXX dwelling coverage XXXX bring the total flood coverage on the home XXXX that $ XXXX. That lender placed policy went into effect on XX/XX/XXXX XXXX is set XXXX cancel on your renewal date XX/XX/XXXX. They are charging you for the lapse period XX/XX/XXXX XXXX XX/XX/XXXX. So essentially you paid ~ {$500.00} because rocket failed XXXX pay the {$30.00} XXXX the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - I C SYSTEM/01 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am filing this complaint regarding unauthorized charges on my credit card account issued by JPMorgan Chase. Over an extended period of time, fraudulent charges were made on my account that I did not authorize. Some of these transactions appear to have been processed through digital wallets such as XXXX XXXX. While I acknowledge that I initially missed some of the charges due to being busy and not closely reviewing my statements, I began reporting the fraudulent activity and contacting Chase around XXXX XXXX of last year. At that time, I informed the bank that the charges were unauthorized and requested that the fraud be investigated. During those calls I specifically asked that any digital wallets associated with my card, including XXXX XXXX / XXXX XXXX, be removed or disabled. Despite these requests, the fraudulent activity continued after I reported it. I was never informed that digital wallet tokens could continue updating or being re-provisioned automatically, and I had no knowledge that this type of activity could continue even after reporting fraud and requesting the wallets be removed. During discussions with Chase representatives, I was also informed that there were as many as 180 digital wallets associated with my card at one time, which is clearly inconsistent with normal consumer use. Despite the unusual nature of this activity and my repeated fraud reports, Chase has denied all of the fraud claims and with their only explanation being that most of them came from my wife an authorized user. However, they are giving me no clarity on all of these wallets that were created or why the activity continued after I reported the fraud. My wife fully denies doing this and has gone through and personally build spreadsheets on all transactions that were not her which is the mass majority of them. At minimum, I believe the bank failed to properly stop or mitigate fraudulent activity after it was reported. I am requesting that the charges be reinvestigated and that Chase provide documentation showing : All digital wallets associated with my card Device account numbers and token records for those wallets When those wallets were created and from what devices When the wallets were disabled after my fraud reports I am asking for a full reinvestigation of the fraudulent charges and for the bank to provide the documentation necessary to determine how these transactions occurred. XXXX XXXX

Company response to consumer: Closed with explanation