vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
In XXXX, I got a XXXX account because of my home security system. They have since transitioned me to a XXXX XXXX for no reason without my approval. I can not get into my account online or on the app. i have tried multiple browsers, etc. It keeps telling me to activate my new card. I do not want to do that, and when I click " view current accounts ' the page goes blank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I disputed some fraudulent transactions that took place in my navy federal account. I supplied the bank with enough information to prove that it was impossible that had a hand in these transactions. Navy Federal took months to respond and I was advised that correspondence was sent that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding CFPB Case # XXXX, as the response provided by Resurgent Capital Services/LVNV Funding remains incomplete and fails to adequately validate the debt or address key discrepancies. First, the company provided an Account Summary Report, which explicitly states it is not a statement from the original creditor. This document appears to be a self-generated summary and does not constitute proper validation of the debt. It does not verify the accuracy of the information being reported. Second, the company failed to provide sufficient documentation establishing ownership of my specific account. While they included a general ownership history, they did not provide any bill of sale, account-level transfer documentation, or evidence linking my individual account to any transfer between XXXX XXXX , Resurgent Acquisitions LLC , and LVNV Funding LLC . A generalized table is not proof of ownership. Third, there are inconsistencies in the balance being reported. The documents show a charge-off amount of {$1100.00}, while the current balance is listed as {$1100.00}. The company has not provided any explanation or itemization accounting for this discrepancy. I am requesting a full and complete accounting from charge-off to present, including all adjustments, fees, and credits. Fourth, the documentation provided is incomplete and does not include a full payment and transaction history from account origination through charge-off. Partial billing statements do not establish the full accuracy of the debt. Finally, the company continues to deflect responsibility for credit reporting by attributing discrepancies to the credit bureaus. However, as the data furnisher, they are responsible under the Fair Credit Reporting Act for ensuring the accuracy and completeness of the information reported and for conducting a reasonable investigation of disputes. I am requesting that the company be required to : 1. Provide account-level documentation proving ownership of this specific account 2. Provide a complete itemization of the balance from charge-off to present 3. Provide full account history from origination through charge-off 4. Correct or delete any inaccurate credit reporting If the company can not provide this documentation, the account should be removed from all credit reporting agencies.

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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION 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 public response: Company believes it acted appropriately as authorized by contract or law
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 — Fees charged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My complaint is against PNCBank regarding charges on my mortgage account number XXXX. This mortgage was assumed from another bank several years ago. I always make my payment on time. It is automatically withdrawn from my saving account with XXXX investments. The remaining balance on the mortgage is approximately {$50000.00} ( less than 5 % of the value of the collateral property ). Approximately 2 years ago, I called to ask for the escrow to be removed. I was told that I could but would have to pay a {$300.00} fee to do this. I asked them to provide documentation of what allowed them to charge this fee. I was never given this documentation, and the escrow was not removed. Recently the bank increased my required payment amount from approximately {$3400.00} including escrow to {$3600.00}. I continued to pay the lower {$3400.00} amount ( auto pay ) which is much more than the principal and interest on this mortgage of approximately {$2400.00}. PNCBank stated that partial payments are held but not applied to my loan. I was then charged a late fee of {$120.00} ( plus interest ) and the {$3400.00} payment I made was not applied to the loan nor returned to me. I want PNCBank to discontinue these types of practices, return my escrow funds, apply my payments to my mortgage and remove late fees. I called PNCBank on XXXX and am awaiting a response from their legal department.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase.com/XXXX is the bank operating and managing my XXXX XXXX credit card. On XX/XX/XXXX Chase reduced my credit limit from {$15000.00} to {$5000.00} but did not notify me of this adverse action. I pay the balance every month and never missed a payment. I learned of Chase 's action in XXXX, XXXX when I tried to pay my annual assessments with XXXX that are over {$12000.00} each year. On XX/XX/XXXX I contacted Chase when I could not payoff my assessments Online, A Chase representative explained that my file shows that they received instructions from XXXX to reduce my credit from {$15000.00} to {$5000.00} on XX/XX/XXXX. Chase would not give any reason for the action. The representative said that the system showed no reasons for XXXX to issue that instruction to reduce my credit line. The representative also said that the Chase system notes shows that Chase may not consider any request from me to change my credit limit back to {$15000.00} and the decision to reduce my credit limit may not appealed or changed by me. I told them this is a deliberate attempt to retaliate against me because I complained to XXXX about my portfolio and I requested to sell off my XXXX ownership in XXXX. Chase representative did not respond to question whether they were retaliating against me because XXXX instructed them to take this adverse action against me as punishment for complaining. I am still in a dispute with XXXX and Chase still declines to increase my credit limit. I filed suit in US District Court for DC against XXXX for misrepresentation and misconduct over a 25 year period. Chase is acting as an agent of XXXX and deliberately retaliated againt me because I have a dispute with XXXX. Chase is preventing me from using my credit card for large sum purchases above {$5000.00} because XXXX instructed Chase to do that. I request protection from strong arm retaliation tactics by Chase Card Services who attempt to intimidate consumers from complaining.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is your final notice. I demand a complete, detailed explanation of what transpired, why it transpired, and who authorized the retention or reporting of any data associated with my name. Your failure to provide a transparent, lawful account of your actions is inexcusable and unlawful. Let me be crystal clear : I demand the immediate, unconditional deletion of every data point, record, file, report, or any other information connected to my name that can not be backed by full, unassailable legal proof. No assumptions, no approximations, no incomplete internal recordsonly verified, lawful documentation. If you can not substantiate any part of the data, it must be deleted now. Your continued refusal to comply with federal and state law is not just negligenceit is willful, intentional misconduct. You have no legal right to retain or report any data that violates consumer protection laws. Every moment you delay is a direct violation of my rights.

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: Sezzle Inc.
State: FL

Complaint narrative:
I was a victim of identity theft. There a charged off line of credit with a company called Sezzle. It was opened XX/XX/XXXX and closed for non payment on XX/XX/XXXX. Its says {$400.00} is whats owed. I did not open this account. I have no knowledge of this account. It had to be open fraudulently since Ive had issues with this before since my identity was stolen, I have disputed it with the credit bureaus, and Ive contacted the company directly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied for a loan modification due to my divorce. I was approved for a temporary loan modification on XXXX XXXX Loan # XXXX without requiring my former husbands signature. The terms of the trial modification required me to make three consecutive payments at the modified rate of {$2500.00}, without missing any payments. I successfully completed this trial plan. Around XX/XX/XXXX, I received an approval letter for the permanent loan modification along with the required paperwork to sign. I signed the documents on XX/XX/XXXX, and returned them via XXXX as instructed. No notarization was required, and I made copies of everything I submitted. Although my former husbands name still appeared on the paperwork, his signature section was left blank because he abandoned the family and his whereabouts are unknown. Importantly, my divorce decree clearly states that I was awarded the property as my sole and separate property, and that my former spouse was divested of all claim, right, title, and interest in the property. I provided XXXX XXXX loan modification department with a copy of my divorce decree along with my pay stubs. However, on Thursday, XX/XX/XXXX, I was informed that my loan modification had been denied due to a failure to return properly signed paperwork. This is incorrect, as I returned all paperwork exactly as received. I was later advised that updated paperwork removing my ex-husbands name would be issued, but this never occurred. Subsequently, I was told that a quitclaim deed was required. I explained that obtaining a quitclaim deed is impossible because my former husband is missing. I again referenced that my divorce decree had already been submitted as supporting documentation. Additionally, I have now filed my divorce decree with XXXX XXXX XXXX XXXX, as I was informed this serves as my new deed. I have taken every step within my ability to comply with XXXX XXXX requirements. Unfortunately, the lack of follow-through and inconsistent guidance from XXXX XXXX has jeopardized my home, despite my full compliance. I made every payment from XX/XX/XXXX through XX/XX/XXXX, exactly as instructed. I am a single parent with XXXX children, and we urgently need to remain in our home. I am requesting immediate assistance to resolve this matter, as the denial appears to result from administrative handling rather than any failure on my part.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax put an in accurate account on my credit report and has refuse to acknowledge XXXX write documentation that validate my claim. * XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX XXXXXXXX XXXX XXXX XXXX account XXXX in XXXX ( closed ) Dear XXXX XXXX XXXX XXXX are in receipt of your complaint filed with the Consumer Financial Protection Bureau XXXX which was forwarded to XXXXXXXX XXXX XXXXXXXX XXXX XXXX As an XXXX XXXXXXXX XXXX XXXX XXXX I was asked to review and respond to your concerns on behalf of XXXX XXXX XXXX XXXX ( XXXX ). Please accept our apology for any inconvenience you may have experienced in this matter. We appreciate the opportunity to review and address your concerns. We reviewed our records and confirmed that you are listed as an authorized user on the XXXX XXXX XXXX XXXX account referenced above. This account was opened on XX/XX/XXXX, by XXXX XXXX. We have confirmed that XXXX and XXXX are no longer reporting the account. On XX/XX/XXXX, we submitted request to Equifax to update their records and delete the account reporting. Please allow up to XXXX ( XXXX ) days for the credit reporting agencies to reflect these changes in your credit file. This letter serves as confirmation of our request. Thank you for bringing this matter to our attention and giving us the opportunity to respond. If I may be of further assistance, please do not hesitate to contact me at the telephone number listed below. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX toll free : XXXX Direct line : XXXX For TTY : We accept XXXX or other XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX is a federally registered service mark of XXXX XXXX and is issued by XXXX XXXX XXXX XXXX pursuant to a license. The XXXX XXXX XXXX XXXX XXXX program is issued and administered by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I had my tax return from my XXXX XXXX XXXX, deposited in my PayPal account in the amount of {$6500.00}. A few minutes after the money was deposited, I got a notification stating my account had been permanently limited and that my money will not be able to be withdrawn for XXXX days. Since then I have spoken to employees numerous amounts of times several times a week with all of them being told the same thing that after XXXX days I can withdrawal my money. So I decide to chat with them again today XX/XX/year> and was told that my money will not be released now or at any point in the future. I have demanded documents be sent to me explaining why and I have demanded to speak to a manager or supervisor just to be told no and that the decisions they made were final.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I am writing regarding repeated communications I have received from American Express concerning an alleged debt. This letter serves as formal notice that you are to immediately stop all communication with me regarding this matter, except as expressly permitted by applicable law. Pursuant to 15 U.S.C. 1692c ( c ), I hereby notify you that I wish for you to cease further communication with me. Under this statute, once such notice is given, a debt collector may not communicate further with a consumer with respect to such debt except : ( XXXX ) to advise that further efforts are being terminated ; ( XXXX ) to notify that certain remedies may be invoked ; or ( XXXX ) to notify that specific remedies are being invoked. You are hereby instructed to cease all forms and methods of communication with me, including but not limited to phone calls, voicemail drops, emails, text messages, and written correspondence, except as permitted under the limited exceptions stated above. Any further contact beyond what is expressly permitted by 15 U.S.C. 1692c ( c ) will be documented as a potential violation of federal law, and I will pursue all available remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/year> I was reviewing my mortgage account on Newrez 's website and noticed I was well beyond the 22 % equity threshold which would eliminate the added monthly charge of PMI. Noticing this, I tried calling every number listed on the website, and all rang busy so I proceeded to use the live chat. The correspondence is attached to this complaint below. The representative acknowledged that I was well past the 22 % mark and let me know she would put in a request to cancel XXXX. I then said I had been overcharged and wanted to know about the reimbursement ( I was wanting it applied to my principle ). She said the XXXX department would get ahold of me and tell me the next steps. I spoke with someone on the phone a few weeks after, explaining that I needed to submit a letter to their document portal which I did ( attached below ) and waited for a response. Once a letter response was received ( also attached below ), it basically said the XXXX was cancelled as of early XXXX. It mentioned my equity amount but gave no mention of where the overcharges went and as far as Newrez was concerned, it was the end of the correspondence. Naturally I am not satisfied with the outcome as it seems to me that I gave Newrez several free payments worth of XXXXXXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bilt Technologies, Inc.
State: KS

Complaint narrative:
XX/XX/year> I received a BIlt card in the mail ending in XXXX, with my married name misspelled, that I never opened. I contacted Bilt via email and told them I never authorized this account and to close it. XXXX at Bilt said the account did not exist. I have that email. XX/XX/year> I receive an email from my credit monitoring service that someone has now used the card and there is an account open in my name with a {$12000.00} limit. I called Bilt today and they stated they have closed the account today due to fraud. I requested the phone transcript which was denied. XXXX gave me a case # XXXX. This all could have been avoided if they would have taken my complaint seriously in XX/XX/year>. When the customer service agent read me my email address back after stating they could find no record of my account, he misspelled my married name again which I never gave him so I know they have had record of my account because my married name is misspelled on the credit card they sent me the same exact way.

Company response to consumer: Closed with explanation