vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank regarding the sudden closure of my checking account on XX/XX/year> without a clear explanation. I was told the decision is final but I have not committed any fraud or illegal activity. I want a detailed explanation of why the account was closed, whether any reports were sent to consumer reporting agencies, and a proper review. My name is XXXX XXXX XXXX, and my contact info is : Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: SC

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 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 non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-02-19 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA XXXX XXXX. XXXX, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior , I was not. As the original creditor, only I can validate this debt. I do not validate this debt. FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis 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 non-monetary relief
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I am submitting this complaint regarding TD Auto Finances failure to provide a lien release for my vehicle after my auto loan was paid in full. My auto loan with TD Auto Finance was fully satisfied on or about XXXX of XXXX ], approximately XXXX years ago. Despite the loan being paid in full, TD Auto Finance never provided a lien release or confirmation that the lien was removed from the vehicle title. Under Kansas law ( K.S.A. 8-1,157 ), a lienholder is required to release a lien within a specified period after receiving full payment. TD Auto Finances failure to release the lien for several years is not only unreasonable but appears to be noncompliant with Kansas statutory requirements. I have made multiple attempts to resolve this issue directly with TD Auto Finance but have received little to no assistance. The continued presence of this lien has caused ongoing issues with my vehicle title and ownership documentation. I am requesting the following : 1. Immediate issuance of an official lien release ; 2. Confirmation that the lien has been properly released with the Kansas XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ; and 3. Written documentation confirming the loan was satisfied in full. I am currently awaiting them to overnight one to me at my expense because the XXXX the mailed to me recently have not been received. Also, I never got the original one they claim that was mailed in XXXX of XXXX. I respectfully request CFPB assistance to ensure TD Auto Finance complies with Kansas law and resolves this matter promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding the sudden and unexplained closure of multiple credit accounts in good standing. Synchrony Bank closed the following accounts without prior notice and without any explanation : - SYNCB/Amazon ( opened XX/XX/year> XXXX years of perfect payment history ) - SYNCB/Rooms to Go ( opened XXXX XXXX 100 % on-time payments ) - SYNCB/XXXX / PayPal ( opened XXXX XXXX 100 % on-time payments ) - SYNCB/Lowes ( opened XXXX XXXX 100 % on-time payments ) - SYNCB/Verizon ( opened XXXX XXXX 100 % on-time payments ) I have maintained a perfect payment history on every single one of these accounts. I have never missed a payment, never been late, and have always remained in good standing. I was given no warning, no explanation, and no opportunity to address any concerns before these accounts were closed. The simultaneous closure of five accounts has significantly reduced my available credit and negatively impacted my credit utilization ratio and credit score, despite me having done nothing wrong. When I contacted Synchrony Bank customer service, I was told the accounts can not be reopened and that my only option is to reapply. This is not an acceptable resolution. Reapplying would result in additional hard inquiries on my credit report, further damaging my credit score through no fault of my own. I am requesting that the CFPB : 1. Investigate why Synchrony Bank closed these accounts without notice or explanation 2. Require Synchrony Bank to provide a written explanation for the account closures 3. Require Synchrony Bank to consider reinstating my accounts given my perfect payment history 4. Ensure Synchrony Bank 's account closure practices comply with applicable consumer protection laws This action by Synchrony Bank has caused real financial harm to my credit profile despite my responsible account management. I respectfully request your assistance in resolving this matter. Thank you.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I received a email from the company stating that they closed my account due to an outstanding balance. This was closed without warning The outstanding balance was the my pay and spot me that Chime allows you to borrow from when you receive a consistent direct deposit I am not understanding why my account was closed due to the outstanding balance when this is something that chime allows me to borrow. I spoke to a representative and they stated yesterday that my account could be reopened today. I spoke to someone and he stated that my account could not be reopened due to me not having recent activity that goes with the policy, however the only recent activity that I had was the my pay and the spot me that I am allowed to borrow from which should go with the policy because we are allowed to borrow from it from Chime. Once I explained this the rep over talked to me and hung up in my face. I am following this complaint on the rep who hung up in my face that I last spoken to and chime due to the negligence and inconvenience this has caused me. I have been banking with them since XXXX and have never had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: OH

Complaint narrative:
Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$20.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. This happened again in XX/XX/XXXX. I have been working endlessly to get this resolved, but I haven't had any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Called XXXX to fix issue. XXXX. Not my debt will provide police report XXXX. Doubled bill on credit for same charges and service date I tried to fix this problem with debt collector but he is rude and does not listen. Please listen to audio recording.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was texted by the Citibank XXXX department that There were XXXX transactions that they felt were fraud. I right away let them all XXXX transactions were fraud on XX/XX/XXXX {$600.00} payable to XXXX XXXX and on XX/XX/XXXX for {$700.00}, {$700.00}, {$300.00}, {$200.00} and {$200.00}. The total for all the XXXX payments is {$2700.00}. I opened up a dispute on XX/XX/XXXX. I was advised to close my Citibank account and open a new one. I did comply on XX/XX/XXXX. I moved very fast to get my money back. XXXX plus months and XXXX disputes now this one makes XXXX no relief .When I complained yesterday that XXXX declined my dispute the nice Citibank XXXX advised to open a police report. I did through The XXXX Police Department. The case number is XXXX. Their phone number is XXXX. I called Citibank today and spoke to the dispute department. I found out an XXXX XXXX was used for the transaction. I had an XXXX XXXX at the time. I opened up a new case. The dispute number is XXXX. Before when I asked why turned down they never gave me any info. I feel it is standard for them to turndown these transactions. I can see a class action suit happening. I just want my {$2700.00} back plus interest and any penalties. I would like other consumers know what Citibank is doing to their customers

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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MI

Complaint narrative:
Complaint Narrative : I am submitting this complaint using the exact name and contact information listed on my Afterpay account in order to remove any identification issue raised in CFPB Complaint ID XXXX. On XX/XX/year>, I made a {$95.00} payment intended to cover a {$94.00} installment due that day for a XXXX purchase. XXXX successfully initiated and received the payment, as confirmed by my bank records and Afterpays own written communication. Instead of applying the payment to the only installment due at the time, XXXX unilaterally redistributed the funds across multiple other orders that were not yet due, without my consent or clear disclosure. As a result, XXXX falsely marked the XXXX installment as unpaid, placed my account on hold, and stated that I missed a payment, even though a timely payment was made and received. This is not a case of non-payment. It is a case of XXXX misapplying a valid, timely payment through its internal allocation process and then penalizing me for that internal accounting decision. I have repeatedly requested that XXXX manually reallocate the XX/XX/XXXX payment to the XXXX installment, remove the overdue designation, and restore my account to good standing. XXXX has acknowledged escalation but has not corrected the billing error. I am requesting that Afterpay : Manually reallocate the XX/XX/year> payment to the XXXX installment Remove the false overdue designation Restore my account to good standing with no adverse flags or holds Confirm in writing that my payment history is accurate I can provide bank statements, screenshots, and Afterpay correspondence confirming payment receipt and internal allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: SC

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 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 2026-02-19 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:
XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Client had mother pass away XX/XX/XXXX. The daughter continued to pay the mortgage until there was an escrow increase in property taxes from {$4500.00} to {$9900.00}. At that point the mortgage became unaffordable and the loan went into default on XX/XX/XXXX. From that point onward, the lender has withheld vital information and has not given the client an opportunity to modify the loan. The denial that we are referring to in this complaint was issued on XX/XX/XXXX. An appeal was submitted on XX/XX/XXXX and a response was received on XX/XX/XXXX. A research request was then submitted on XX/XX/XXXX and a response was received XX/XX/XXXX. All of these documents are attached to this complaint. The issues raised in the appeal and research have not been answered. We repeatedly have asked the lender if there is an eligibility issue and can not receive a straight answer. While the homeowner passed away in XXXX of XXXX the probate documents were not completed by the court until XX/XX/XXXX. This was no fault of the daughter and should not be used against her in reviewing her for assistance. The lender has stated that the XX/XX/XXXX is the reason for default and then says that income was not considered. We believe the lender is withholding information relating the the refusal for assistance. The client had no control over the timing of the probate court and we were refused a review until that was completed. Also the denial states that there are other programs but we have no information on how that review turned out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XXXX I notified the credit bureaus of an account from a collect agency that was not mines. The account was a XX/XX/XXXX account that was opened fraudulently and without my consent. I sent a police report and a FTC report to the collection agency and the credit bureaus. The account was removed. The collection agency which is Jefferson Capital LLC still reported on XXXX to the credit bureaus on the same collection account after notifying them that the account was not mines previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX 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 CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CrossCountry Mortgage LLC
State: MO

Complaint narrative:
My loan was serviced by XXXX and sold to Cross Country Mortgage. During this process, I believed by escrow balance was incorrect. Also, I registered my account on the Cross Country Mortgage website in order to make payment. Once my payment method was established, the website would not accept online payments and i was required to call. I called several times and I have tried multiple times and have great difficulty getting through to customer service. I called the number they provided on paperwork and would not accept my call because it did not recognize my ssn or loan number. Now I am late on first month payment and they charged me a late charge. This bank is extremely hard to work with and make contact with. I even visited their office in person and they could not help me. Also, my insurance broker submitted my invoice for insurance to XXXX during the time of the loan transfer and was not provided to Cross Country Mortgage. The broker immediately resubmitted directly to Cross Country Mortgage with my loan number and they state they do not have it on my record.

Company response to consumer: Closed with non-monetary relief