vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I, XXXX XXXX submit this statement to formally report that I am the victim of identity theft and the fraudulent use of my personal identifying information. At an unknown time, an unknown individual or individuals knowingly and unlawfully obtained and used my personal identifying information, including but not limited to my full name, date of birth, Social Security number, and residential address, without my knowledge, authorization, or consent. This conduct constitutes identity theft and fraud under applicable federal law. Upon reviewing my consumer credit reports, I discovered several accounts, financial obligations, and credit inquiries that I did not apply for, open, authorize, or benefit from. These accounts appear to have been fraudulently established by unknown parties using my identity for the purpose of obtaining credit cards, financial services, or other financial benefits. The fraudulent accounts identified include accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank Sams Club Credit Card. I also discovered that the name XXXX XXXX has been associated with some of the fraudulent activity. I affirm that XXXX XXXX is not my name and I have never used, authorized, or been known by that name. The unauthorized use of my personal identifying information may constitute violations of federal criminal statutes including, but not limited to : 18 U.S.C. 1028 Fraud and related activity in connection with identification documents and information. 18 U.S.C. 1028A Aggravated identity theft. 18 U.S.C. 1344 Bank fraud. As a result of this unlawful activity, my credit profile and financial reputation have been adversely affected. I am filing this report to establish an official record that I am the victim of identity theft and to assist law enforcement in the investigation of these criminal acts. This report will also be used to support disputes submitted to consumer reporting agencies and financial institutions pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2 ( blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( procedure in case of disputed accuracy ). I declare under penalty of perjury under the laws of the United States that the foregoing statement is true and correct to the best of my knowledge. Signature : 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I have no idea what this alleged collection account is even for. The first violation is that I was never properly notified of this alleged debt before it was placed on my credit report, which is required under FDCPA 1692g ( a ). If the company claims they sent notice, they should provide proof that it was actually delivered. Simply claiming a letter was mailed does not prove that I received it. Because of this conduct, I have filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with my State Attorney Generals Office. I also did my own research on Credit Collection Services and found that many consumers have reported similar issues with this company. In addition to failing to notify me properly, I have requested proper validation of this debt multiple times, yet the company has failed to provide it. Under FDCPA 1692g ( b ), once a consumer disputes a debt, the collector must provide meaningful validation before continuing collection activity. Instead of providing validation, this company has continued calling me excessively even after I requested validation in writing. Excessive phone contact after a dispute raises concerns under FDCPA 1692d, which prohibits harassment and abusive collection practices. I have repeatedly asked this company to provide documentation showing what this debt is for, the name of the original creditor, an itemized accounting of the balance, and proof that I am legally responsible for the debt. None of this has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I took {$10000.00} from my Chase acct ending in XXXX and transferred it electronically to XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I checked to XXXX account after the holidays the first week in XXXX and found XXXX had closed my account and according to them sent the funds back to my Chase account. I called Chase and they told me they had not received any funds from XXXX. After numerous calls back and forth to both banks I filed a claim for lost electronic transfer of XXXX which I sent by certified mail to both banks. I have not heard from either bank. I went into Chase for some sort of resolution and was told I had to resolve this with XXXX. XXXX told me they sent it electronically back to Chase and they should figure out where the money is. I am XXXX XXXX XXXX and living on social security I need to fix this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AR

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and a payment processing issue related to my mortgage loan serviced by Selene XXXX ( XXXX XXXX XXXX ). On XX/XX/year>, I made my scheduled mortgage payment using Selene XXXX automated telephone payment system. I was not notified that the payment failed or did not process. I did not receive any notice by phone, mail, email, or through my online account portal indicating that the payment was unsuccessful or that my account was past due. I did not become aware of any issue until I called in to make my XX/XX/year> mortgage payment. At that time, I discovered that the XXXX payment had not been processed. As soon as I became aware of this issue, I immediately paid both the XXXX and XXXX payments in full, bringing the account current. Despite the payment being attempted and the account being promptly brought current once the issue was discovered, Selene XXXX reported the XX/XX/year>XXXX payment as late to the credit bureaus. I previously contacted Selene XXXX and requested that the late payment be corrected due to the payment processing issue and lack of notification. My request was denied. This inaccurate late payment reporting is now preventing me from refinancing my home, causing significant financial harm. I am requesting that Selene XXXX : Conduct a full investigation of the XX/XX/year> automated payment attempt, including review of call logs and payment system records. Correct or delete the inaccurate XX/XX/year>XXXX late payment reporting with XXXX, XXXX, and XXXX. Provide written confirmation once the credit reporting has been corrected. I am submitting this complaint because the current credit reporting does not accurately reflect my payment behavior and resulted from a payment processing failure without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially duplicate collection accounts being reported by Midland Credit Management on my credit reports. After reviewing my credit file, I noticed that Midland Credit Management is reporting accounts with inconsistent and conflicting information across the credit bureaus. In some cases, the same debt appears to be reported more than once with different account classifications, including both a collection account and an open account. Additionally, there are discrepancies in the reported dates and account details across the credit bureaus, which raises concerns regarding the accuracy of the information being furnished. The accounts include : Midland Credit Management Original Creditor : The XXXX XXXX XXXX Balance approximately {$2100.00} Midland Credit Management Original Creditor : XXXX XXXX Balance approximately {$3100.00} These accounts appear to contain conflicting reporting such as different account open dates and duplicate tradeline classifications. This type of inconsistent reporting violates the Fair Credit Reporting Act requirement for maximum possible accuracy. Furthermore, I have not received sufficient documentation verifying the legitimacy of these debts or Midland Credit Managements legal authority to collect and report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREJEFFERSON CAPITAL LL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Issue : Bridgecrest is refusing to post a payment that my bank confirms they received. Details : On XX/XX/year>, I made a {$400.00} payment to Bridgecrest. My bank has confirmed that the payment fully settled and the funds were received by Bridgecrests payment processor. I have provided Bridgecrest with bank statements showing the transaction cleared, including the settlement confirmation. Despite this, Bridgecrest continues to claim they do not have the money and repeatedly instructs me to contact my bank. My bank has already verified that the funds left my account and were accepted by the merchant. This is an internal posting error on Bridgecrests side, not a missing payment. I have requested escalation to their Payment Research department, but Bridgecrest refuses to escalate and continues to place the burden on me to resolve an issue that is entirely within their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to file a formal complaint about false statements that were made in regards to a XXXX XXXX XXXX complaint XXXX for Fifth Third Bank, XXXX XXXX XXXXXXXX. The letter was received by me from Fifth Third Bank dated XX/XX/year> and received by mail on XX/XX/year>. The XXXX XXXX XXXX complaint was filed at the XXXX, OH location. The dispute response statement was either written by XXXX XXXX of the Presidents Office or typed up and signed by XXXX XXXX of the Presidents Office. Please review the original attached documents uploaded to this email for validation and reference. My complaint problem with my Fifth Third Online Bank Account occurred with No Eligible Funding Account or Account History on XX/XX/year> and XX/XX/year>. All data disappeared. My account balance and all data just vanished. On XX/XX/year>, Fifth Third Bank Customer Banker XXXX XXXX stated, I believe that I fixed the issue with your online banking. On XX/XX/year>. I was able to access my banking data in my account and responded to XXXX XXXX that it was restored, with the correct account balance of XXXX. XXXX XXXX XXXX complaint, which is uploaded, the only, and again only refund that I requested was the balance of my account, which was XXXX. New complaint : Not at any given time, verbally or in written format, did I ask, per the letter from XXXX XXXX, on the letter page 1, the bottom paragraph, Regarding your request for a refund, we are unable to issue one because the posted transactions were valid. However, If you believe the XXXX transaction was not authorized or intended, we can assist you with filing a separate card dispute. I, XXXX XXXX XXXX, never requested for a transaction dispute or refund from XXXX. I, XXXX XXXX XXXX, requested the refund of XXXX because that was the missing data balance that vanished from my online bank account. Again, I never requested any transaction dispute. I only requested for the remaining balance to be restored of XXXX. And although this may sound petty for the amount, I feel the response was construed to overlook the part that a customer 's remaining bank account balance just disappears. I am writing this to also represent other consumers. Bank account balances no matter what the amount is, should not just vanish. Reference the XXXX complaint document, Where does it state I requested a transaction dispute from XXXX. And this is serious mismanagement or a statement, because that valid XXXX charge was my trademark domain name. If that was " falsely '' removed or refunded without my request, I would have lost my trademark and domain name. This is a very serious mistake, which would have caused a serious lawsuit. Again, I never made the statement for refunding any XXXX charge in my XXXX complaint. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the past week, representatives from Oportun have been calling me as early as XXXX XXXX and continuing to call multiple times throughout the day. These calls are excessive and disruptive. Receiving repeated calls starting early in the morning has caused unnecessary stress and inconvenience. While I understand that companies may attempt to contact consumers regarding accounts, the frequency and timing of these calls is unreasonable and feels harassing. Contacting me repeatedly in a single day, particularly beginning at such an early hour, interferes with my daily routine and personal time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I visited the M & T Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to resolve a 15-day hold on a legitimate tax refund check issued by XXXX XXXX XXXX ( an authorized IRS partner ). Despite presenting our business licenses for XXXX XXXX XXXX, personal IDs, tax records, and W2s, the bank staff repeatedly labeled the check as 'fraudulent ' and 'invalid '. The banks actions went beyond a standard hold ; staff contacted my client and relative, XXXX XXXX, falsely informing her that the check 'was no good ' and 'fraudulent, ' advising her to request a new one. This caused a severe conflict within my family and professional circle. Furthermore, the banks harassment today forced me to turn away 7 walk-in tax clients at my office located at XXXX XXXX XXXX XXXX XXXX XXXX, during the peak of tax season. The bank showed reckless indifference to the official IRS-partnered documentation provided. ''

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 2026-03-10 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I booked a hotel room by phone with company called XXXX XXXX XXXX in the amount of {$780.00}. At the time of booking I specifically ask. # 1 was it refundable. I had a medical procedure scheduled that could be cancelled. I was told yes just let us know as soon as possible. # 2 was there a shuttle. I was told yes. # 3 was I receiving the XXXX XXXX rate. I was told yes. I booked the room confirmation came back no cancellation no shuttle. I contacted the merchant and I was told no refund. I contacted Barclays to file a dispute. I have their AA Advantage Master Card. XX/XX/year> I received confirmation of the dispute. XX/XX/year> I received a provisional credit. XXXX a denial of my dispute due to merchant has not violated terms of contract. I do not believe Barclays read my appeal and summarily dismissed. I was given false information. I would have never booked with them if i was provided the information in the confirmation. In addition i also informed Barclays when i filed the dispute the merchant cancelled the hotel room that was paid for. My procedure is still scheduled and i had to book another room same hotel same dates.

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 2026-03-10 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:
My mortgage was sent from XXXX XXXX to Rocket Mortgage and they failed to properly analyze or distribute the escrow funds in my account as it pertains to property taxes. I attempted to call them yesterday and they wasted a significant amount of my time ( 8+ hours ) with several holds, hang ups, etc. I believe that these two ( 2 ) companies mis-managed my escrow account gravely and are now making ME pay for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I filed a dispute with chime when my account was opened on XX/XX/year> for {$130.00}. My chime account was unexpectedly closed on XX/XX/year> while still waiting for my dispute to be handled when just today XX/XX/year> my dispute was disputed and I recieve notice by email it was credited to a closed account in which speaking to chime myself to reopen the account they will not reopen the account leaving my funds not accessible from Chime which is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my consumer report, I identified a late payment that is inaccurately reported, as I have never been late and the creditor has failed to provide any proof or verification ; this account was reported without my written authorization, is not associated with any transaction I authorized, and therefore falls outside the permissible purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and constitutes identity theft as defined by the FTC, requiring correction to paid as agreed or deletion under 15 U.S.C. 1681e ( b ) and 1681i, which mandate maximum possible accuracy and the prompt correction or removal of any inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: CA

Complaint narrative:
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 non-monetary relief