vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Company : Jefferson Capital Systems , LLC Original Creditor : XXXX USA Amount : {$1300.00} I am filing a complaint against Jefferson Capital Systems , LLC regarding a collection account they reported to XXXX. 

On XX/XX/XXXX, I sent Jefferson Capital a written debt validation request by certified mail after receiving their initial collection notice dated XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection and reporting activity until they provide proper validation of the debt. 

Despite this, Jefferson Capital reported the collection account to XXXX  on XX/XX/XXXX, before providing any validation or proof that I owe this debt. 

Additionally, the account contains incorrect identifying information, including a misspelled name ( XXXX instead of my correct legal name XXXX ). The account also lists an inaccurate and misleading date opened of XX/XX/XXXX, which does not reflect the original date of delinquency with the original creditor ( XXXX XXXX. 

Jefferson Capital has not provided : Proof of ownership of the debt A copy of any contract or agreement with my signature An itemized billing statement from XXXX Verification that the added fees are valid Reporting a debt after it has been disputed and without providing validation violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

I dispute this alleged debt in its entirety. You are required to provide full validation of this account before continuing any collection activity or credit reporting. 

Please provide the following : The name and address of the original creditor. 

A complete payment history and accounting of the alleged debt, including principal, interest, fees, and charges. 

A copy of the original signed contract or agreement bearing my signature. 

Documentation showing you have legal assignment or authority to collect this specific debt. 

Proof that your company is properly licensed and authorized to collect debts in the State of Tennessee, including your Tennessee collection license number and registered agent information.

The date of first delinquency and proof of the statute of limitations applicable to this account. 

If you are unable to provide the above documentation, you must immediately : Cease all collection activity ; and Delete this account from all consumer reporting agencies to which you have furnished information. 

Be advised that reporting information to credit bureaus without proper validation may constitute furnishing inaccurate or unverified information in violation of 15 U.S.C. 1681s-2 ( b ).

If you continue to report this account without providing proper validation, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office for investigation of unlawful collection practices. 

All future communication must be in writing. Telephone contact is not authorized. 

Failure to respond with proper validation within 30 days will be considered your inability to validate the alleged debt, and I will demand immediate deletion. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to JP MORGAN CHASE Branch on XX/XX/XXXX at XXXX in order to get a Medallion Stamp on my C.O.F.A ( Certificate of Fiduciary XXXX XXXX, so that they would verify my signature and stamp my certificate, but the Bank XXXX authorized to carry out this duty refused to stamp my C.O.F.A because I was not transferring any securities. 
I had my XXXX  CERTIFICATE and all of my other identification needed to verify that I am who I say I am. 
I had Court papers, with notarized signature of XXXX XXXX and certified by the Court Clerk, valid XXXX  DOCUMENTS and identification to prove my identity. 
Obviously JP MORGAN CHASE " back office '' personnel is incompetent to carry out his job as a representative and participant of the THE MEDALLION SIGNATURE GUARANTEE PROGRAM or he is running a XXXX operation where he is forcing or requiring the transfer of SECURITIES into the BANK in order to grant the MEDALLION STAMP. 
I was only requesting the stamp to verify my signature and carry out my Fiduciary duties for the XXXX. The authorized XXXX had to have permission from the " Back office '' person to do his job, which I find to be a violation of the conditions of the program. Notaries do not need to ask for authorization from an employee working remotely in order to perform their duty. 
I would like this situation to be investigated and solved, as this is causing me not to be able to fulfill my duties as XXXX for the XXXX. I am a JP MORGAN CHASE client,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX of my Capital One credit cards were abruptly closed without prior warning and at the same time they've forfeited all of my reward dollars and points! They're refusing to reinstate my deserved points. XXXX XXXX prohibits to forfeit a consumers rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On Friday, XX/XX/year> a stranger had physical possession of my phone and used it to initiate an unauthorized transfer of {$3000.00} from my Chime account. I did not authorize, approve, or benefit from this transaction. As soon as I discovered the transfer, I reported it to Chime and filed a police report ( report number available ). Chime has improperly classified this transaction as authorized despite clear evidence of account takeover and unauthorized access. Under Regulation XXXX, this transaction qualifies as an unauthorized electronic fund transfer. I am requesting a full reinvestigation, proper reclassification of the transaction, and issuance of provisional credit as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
So first I can say I started this. I was going to get an apartment and I was paying a security deposit of {$850.00} which I paid online on the rent portal, but I wasnt supposed to so I told the agent and ask him can he refund the money he told me I had to reverse it or he would have to decline the move in. So me a tried to dispute the charge I sent the bank emails of what happen. They declined the dispute. But they agent said he would just add that money to the prorated rent. So I was about to pay the final amount but the agent said the funds were now under dispute so they give me a different amount to pay which I wasnt ready for. So I stop trying to move in but I wanted the money back so I tried to appeal the dispute sending emails that the agent sent me saying they are waiting on a final decision from the bank but the bank keeps declining it but when I call the bank the bank says I have to get it from the merchant they dont have accesss then when I call the merchant they say I have to get it from the bank and now its pass XXXX days of the appeal so I cant appeal anymore I have phone recordings and emails

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Disputed collections with Credence source management over XXXX debt I drafted a validation letter under the FDCPA this was done on XX/XX/year> this validation letter was sent certified mail on XX/XX/year>, then on XX/XX/year> then collection account appeared on my credit report during the validation period a potential violation. I also filed a CFPB complaint and disputed with credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 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: TX

Complaint narrative:
I sold my home in XX/XX/year> ; Selene Finance did not issue a XXXX to the home, it was not forwarded and the owners did not receive it to the mail box at the house. I have written XXXX letters trying to get that needed document, as well as tried to call. Since I no longer have an account with them I am unable to bypass the security questions to speak to someone. All avenues of communication are a dead end, which XXXX seeing is a trend in reviews online. I need assistance so I can accurately file my taxes on time. I have a new address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, I am submitting this complaint regarding the permanent closure of my Cash App account. 

Cash App notified me that my account violated their Terms of Service. I appealed the decision. After review, Cash App upheld the closure but did not provide any specific explanation of the alleged violation.

My account was used strictly for personal transfers between myself and my partner for shared household expenses. I did not use the account for any prohibited activities, illegal transactions, business processing, or fraud-related activity.

I requested clarification regarding the specific conduct that allegedly violated the Terms of Service. Cash App declined to provide any details. 

While I was able to withdraw my remaining balance, I believe it is unreasonable for a financial services provider to permanently terminate an account without : Identifying the specific violation Providing meaningful explanation Offering a fair opportunity to correct or clarify activity I am requesting : XXXX. A written explanation of the specific activity that led to the permanent closure. 
XXXX. Confirmation that no adverse reporting was made against my name or identity. 
XXXX. Reconsideration of the permanent ban. 

I am concerned about the lack of transparency in this process and request regulatory review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am filing this complaint because NewRez LLC has failed to apply a legally valid 100 % XXXX veteran property tax exemption to our mortgage account and has refused to recalculate our escrow and monthly payment accordingly. 

My husband is a 100 % XXXX veteran and qualifies for a full property tax exemption under applicable state law. We have submitted the required documentation to NewRez XXXX separate times ( XXXX  time XX/XX/XXXX, XXXX time XX/XX/XXXX, another time later in XXXX, and multiple phone calls ) yet no action has been taken. 

Although NewRez recently corrected a separate escrow error and refunded funds that were previously misapplied ( after XXXX  months of inaction ), they have still failed to : -Apply the XXXX veteran property tax exemption to our escrow account -Conduct a corrected escrow analysis -Adjust our monthly mortgage payment -Provide written confirmation of the status of our exemption request As a result, our mortgage payment remains artificially inflated due to escrow calculations that assume property taxes are still owed when they are not. 

We have spent hours on the phone attempting to resolve this issue. We have escalated to supervisors and were repeatedly told someone would follow up. That follow-up has not occurred. 

This is not a discretionary request. This is a legally valid tax exemption that directly affects escrow calculations and payment accuracy. A mortgage servicer is obligated to maintain accurate escrow accounting and conduct timely escrow analyses when material changes occur.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I purchased my home from XXXX XXXX XXXX  company being serviced by Washington XXXX XXXX  back in XXXX, Select Portfolio Servicing acquired my mortgage about XXXX. 
Once Select Portfolio Servicing company acquired the administrative task of servicing my loan, the principle balance ceased to go down, but instead continues to go up. 

My original loan was for XXXX and now it is XXXX I have had XXXX mortgage modifications due to my spouse unemployment back in XXXX or XXXX, however, mortgage payments were continued being made even through my spouse filing bankruptcy XXXX, all mortgage arrearages were paid through the bankruptcy. 

I also applied for the 'Homeowners retention program back in XXXX, where Select Portfolio servicing was paid XXXX on my behalf. This money was Not applied to the principle balance but was eaten up in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Spring oaks capital is trying to collect on a closed account which was bought or sold without my permission. I sent a certified letter to send proof on the contract if I took or sign this contract with this company Spring oaks capital. On this day XXXX  the amount they asking for payment is not my account with the company. I would like for Spring oaks capital to delete this from all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Balance XXXX  gone down suspect identity theft. I cashed my car insurance check and made payments on the rest on the credit card at repair shop in XXXX, WI. I made payments money orders from XXXX XXXX XXXX. I hit a mail box in XXXX, WI. I needed to rent a car from XXXX, but that was XXXX years ago? I had a damaged windshield, but they said the SUV was totaled. I contacted XXXX  XXXX  for receipts.

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 2026-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2026, I opened a savings account with Marcus by Goldman Sachs. During a follow-up call, I discovered Marcus had recorded an incorrect secret code and XXXX  I did not XXXX a major security breach.

Upon this discovery, I was forced to take emergency action by freezing my funding bank account and moving my funds to prevent Marcus from completing the unauthorized pull. I then repeatedly called Marcus and explained the situation and requested that they revoke the pending {$25000.00} ACH pull from my funding bank account due to this security failure. Despite my timely request and the obvious XXXX XXXX ' of mismatched security data, Marcus refused to cancel the transaction, and continued to do so in at least XXXX subsequent calls. I recorded several of the calls and an attorney was present for part of this interaction with my phone set on speaker and the volume set on high. Note that XXXX law ( Regulation XXXX ) requires banks to provide a reasonable procedure for consumers to stop a pre-authorized transfer. By refusing my request in XXXX separate calls, Marcus most definitely appears to have violated these procedural requirements. 

I was hung up on XXXX  by supervisors while attempting to protect my funds. The first hangup occurred after the supervisor asked if I was recording, and I informed that, I was in a state that did not require that I disclose that information. Note that hanging up on a consumer who is reporting a security XXXX  after questioning them about recordingcan be classified by the CFPB as an Abusive Act. It demonstrates an intentional effort to obstruct a consumer 's attempt to protect their assets. 

Marcus has since locked me out of the new account. I am reporting Goldman Sachs for failing to provide a clear path to revoke an unauthorized transfer and for maintaining inaccurate, insecure customer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Butler and Associates, PA
State: KS

Complaint narrative:
I tried calling and asking if the debt was satisfied. I paid {$3000.00} to them and they continue to take me to court and threaten to garnish wages.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2025, I discovered multiple Individual XXXX Credit Card accounts reporting on my consumer credit file that I did not open, authorize, or use. 

The fraudulent accounts include : A business credit card with a reported balance of approximately {$37000.00} A JPMCB Card Services business credit card with a reported balance of approximately {$9900.00} A XXXX credit card account ( previously disputed ) I did not apply for, sign for, or give permission for these accounts to be opened. I have never conducted business under these accounts and never received any benefit from them. 

Upon discovery, I immediately took the following actions : Filed disputes with the consumer reporting agencies Submitted identity fraud claims indicating the accounts were opened without authorization Requested original signed contract documentation and proof of identity verification used at the time of account opening Filed an Identity Theft Report through IdentityTheft.gov Despite these actions, the accounts continue to be reported, and I have not been provided with original signed documentation proving that I authorized these accounts. 

These accounts are fraudulent and have caused financial harm, credit damage, and significant distress. I am requesting : XXXX. Immediate deletion of the fraudulent accounts XXXX. Written confirmation that I have no financial responsibility XXXX. A full investigation into how these accounts were opened without proper identity verification I am seeking a fair resolution that restores my credit file to its condition XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
When I bought my car from XXXX used auto dealer, they added a warranty ( among other things ) to my contract which made my monthly payment go from {$240.00} a month to {$280.00} a month. I was told it looks better to the finance company ( i.e. Westlake Financial ), and if I wanted, I could cancel the warranty at anytime. So after about a month, I decided to cancel my warranty with XXXX XXXX warranty services, which I personally did with XXXX XXXX. Next, I had to request for this to be done with XXXX used car dealer. I was told this was also necessary because since XXXX added this to my contract, they had to cancel it with Westlake financial. I asked if my monthly payment would go back to {$240.00} a month and XXXX said " no ''. They told me that the length of my contract ( which is five years/60 months ) would be reduced accordingly. This has not happened and there has been no change in the terms of my contract. I'm still paying for the warranty. When I called XXXX to complain, they said they did their job as far as cancelling the warranty, and I need to contact Westlake financial. When I call Westlake financial at : XXXX, it's literally impossible to talk with a live representative. Please help.

Company response to consumer: Closed with explanation