vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
To preface, i used Acima Leasing to purchase a washer/dryer combo a couple years ago. After making several payments, I went through a financial hardship and couldn't make payments, so the account got closed and it got sent off to collections.I received a call for the first time from XXXX. They stated they are from the court office and have been trying to locate me, but would not confirm what the subject was about. All they told me was to call a phone number and give them a claim number for more information. The phone number was XXXX and the claim number was XXXX. So i called that number and gave them the claim number, and she told me it was in reference to Acima leasing company and stated i have " allegations '' against me, she then began threatening me with someone showing up to my house or place of work if i don't start paying what i owed Acima.They were being very aggressive and have even contacted my parents as well as my sister trying to " locate me '' and told them i would be sued and have charges brought against me if i do not respond, even after telling them my place of residence and talking to them on the phone. I tried asking them to mail me a copy of the debt so i can formulate a payment plan, they refused and i was told they can not mail anything, and it all had to be done over the phone since they are " not a collection agency '' and just a " company that handles claims ''. She refused to tell me the name of the company, or even an address, all she would provide is the phone number which i provided above. I tried researching these phone numbers and i am unable to find anything on them. the first number that claimed to be from the courts doesn't even come up online, which i found odd. I was willing to pay a payment plan, but they needed me to provide card information over the phone, which i was not comfortable with. The whole thing just feels like a scam, and after doing some digging online, i've found several others that have been read the exact same script with the exact same reasoning and answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I applied for a mortgage with Rocket Mortgage and have been attempting to provide all requested documentation regarding a previously defaulted loan. The loan originally went into default on XX/XX/XXXX. I later paid the debt in full on XX/XX/XXXX, and I have provided Rocket Mortgage with the official payoff documentation from the original creditor confirming the balance was satisfied. Rocket Mortgage is now requiring documentation of the charge-off date for this account. However, the original creditor has confirmed that they do not have a charge-off letter or separate documentation available that shows this specific date. Because the creditor can not produce additional documentation, I am unable to satisfy Rocket Mortgages request despite providing the default date and full payoff documentation. This has left my mortgage application completely stalled. I have made good-faith efforts to obtain all available records from the original lender and have provided everything that exists. I have asked Rocket Mortgage whether alternative verification methods could be used, such as a credit report supplement or other verification of the charge-off date, but the issue remains unresolved. I am requesting that Rocket Mortgage review the documentation already provided and allow an alternative method to verify the account history, since the original creditor can not produce additional documentation that does not exist. My goal is simply to move forward with the mortgage application using reasonable documentation standards. I respectfully request that this matter be reviewed by Rocket Mortgages underwriting management or compliance team to determine whether the charge-off date can be verified through alternative documentation ( such as a credit report supplement or account history ), since the original creditor has confirmed that no separate charge-off letter exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Stuff was taken out which caused my funds to be negative and now they charged me all these XXXX XXXX fees for it being negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
WHAT HAPPENED? This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have tried contacting affirm regarding my account after uploading my legal documentation proving my identity to their online portal. I contacted affirm through their customer support phone number. They refused to help me because I did not know the identity of the person " fraudster '' or email address on MY account. I have no way of knowing who changed anything on my account or their names. I requested the account be closed to protect my identity and account information further which they refused moving me from department to department by phone. They said they could not help me but they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
I have moved states and requested multiple times that the XXXX XXXX ( Santander XXXX ) send an electronic title to the XXXX. So that I can register the vehicle. I have been told now that the request for the title from the XXXX was not received despite watching them fax it. I have been told by a Santander agent that the company doesnt have the ability to send a title by fax, email or regular mail. and the chat was abruptly ended by the agent when I asked how it was possible they conduct business if they can not send titles. I had the WV XXXX submit another request for the title which Santander says they received and then sent the electronic title via fax to their OWN fax number and not to the WV XXXX. When I gave them the proper fax number for the WV XXXX the agent gave me a complaint number and told me to call again in XXXX business days. I have been trying to register this truck in WV for over XXXX months and I am now facing fines and legal charges from South Carolina for not having returned their plate due to XXXX inability or refusal to do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XX/XX/XXXX, I contacted the company after learning about the temporary payment relief being offered to customers affected by the government shutdown. At the time, my account was in good standing and all of my previous payments had been made on time. When I spoke with a Chase representative, I explained that I had been affected by the government shutdown and requested assistance. The company confirmed that I qualified for the relief program and approved my account for a temporary extension in XX/XX/XXXX that allowed me until XX/XX/XXXX to make my payment without penalty. Because of this approval, I understood that my account would remain in good standing during the approved period. However, despite the agreement and extension that was granted, my credit report is now showing that I missed a payment during that same time period. I contacted the company to make them aware of the issue and to explain that the payment extension had already been approved. The missed payment reporting does not reflect the arrangement that was granted to me. I am requesting that the company review the account records and correct the credit reporting to reflect the approved payment extension so that my account shows as current during the relief period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to XXXX U.S.C. XXXX and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. Under XXXX U.S.C. XXXX, credit reporting agencies are required to block any information identified by the consumer as fraudulent within XXXX ( XXXX ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX , the following fraudulent accounts remain on my credit report : XXXX FIN - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation. I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Missing money, phones stolen and information compromised, hacked accounts, XXXX phones connect across all devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Formal Complaint and Demand for Electronic Signature Records To : Capital One Bank ( USA ), N.A. Compliance Department Re : Demand for Electronic Signature and Account Formation Records Dear Compliance Officer, This correspondence follows your written response stating that the above-referenced accounts were opened online and that no signed application exists. Because you assert the existence of a valid contract formed electronically, federal law requires that such electronic signatures and records be retained and capable of reproduction. Under the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 ), a party relying on an electronic signature must be able to demonstrate : 1. The consumers consent to conduct transactions electronically ; 2. Attribution of the electronic signature to the consumer ; 3. Retention of the electronic record in an accurate and reproducible form. Accordingly, please produce the following records for each account : 1. The original electronic application submitted for the account ; 2. The electronic signature or authentication record ; 3. IP logs, timestamps, and device identifiers associated with the application ; 4. The version of the cardholder agreement presented at the time of application ; 5. Proof of delivery of disclosures required under the Truth in Lending Act ( 15 U.S.C. 1601 ) and Regulation Z. Federal courts have held that electronic agreements are enforceable only when clear assent and attribution are demonstrated, including : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX Capital One Bank ( USA ), N.A., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Your response to the Consumer Financial Protection Bureau acknowledged that no signed application exists. Accordingly, please clarify whether the above electronic-signature records exist and provide them for verification. If such records can not be produced, please explain the basis upon which your institution claims a valid electronic agreement was formed and continues to report this account to consumer reporting agencies. Please provide the requested documentation within fifteen ( 15 ) days. Respectfully, XXXX XXXX XXXX XXXX / Trustee THE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I will start off by saying I bought a bunch of gift cards, and for the most part I called and got approval for the purchases. I have 2 letters for 2 accounts with the same information for cancelling the accounts. Chase said Account not used as intended. I called and spoke with a manager on XX/XX/XXXX, in which I was told she would look into it and to call back on the XXXX of XXXX to give them time to review. I called yesterday, but it was too late. So I called a bit ago and spoke to a rep which said yes the accounts are closed, to a manager who said my account was closed due to revolving balance and that it was past the time to reopen the account. I feel they should have let me be I would have paid the bills. 2 cards were closed my credit tanked and I had nothing to fall back with to pay for my bills. My bank account has {$35.00} in it and I won't get paid until Next month. I feel that I should have at least had a month or 2 to see what I did with the accounts. But now I'm so far down the whole, it seems I'm never going to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: U.S. BANCORP
State: AL

Complaint narrative:
b'Dear CFPB:XXXX XXXX XXXX XXXX DISPUTE CLAIM XXXX UNSECURED MASTERCARD REQUIRES ADDITIONAL CREDIT OF XXXX BACK ONTO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN THE AMOUNT OF ADDITIONAL XXXX. AS REPAID XXXX TWICE IN THE AMOUNT OF $XXXX (TOTAL REPAYMENT: $XXXX, 1ST REPAYMENT AT XXXX IN XXXX, GEORGIA ON XXXX-FRIDAY & 2ND REPAYMENT AT XXXX IN XXXX, ALABAMA ON XXXX-FRIDAY).\n\nI ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. \n\nWITH SAFETY AND LOVE FOREVER, \n/S/ XXXX XXXX XXXX MD\nPHONE: XXXX \nEMAIL: 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 explanation
Consumer complaint received 2026-03-12 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: Marauder Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>, during a timeshare sales presentation with XXXX XXXX, a XXXXXXXX XXXX XXXX issued by Barclays Bank Delaware was opened and used for part of the upfront payment associated with the purchase. We repeatedly stated during the presentation that we did not want additional credit obligations because we intended to purchase a home in the near future. We were not asked if we wanted a credit card before submission. The account was opened and used as part of the transaction without clear consent. The card currently has a XXXX balance and has been locked to prevent use. We later disputed the transaction with XXXX due to multiple sales misrepresentations tied to the purchase, including the credit account opened during the process, but our dispute was denied.

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 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Today, while attempting to open a savings account with Marcus by Goldman Sachs, all of my personal information was taken and after an hour of time wasted on the phone, during the very last step of completing the full application I was suddenly declined and not provided any reasoning due to " privacy and security '' before being hung up on. After this awful experience I naturally went to delete my newly made profile on the Marcus website which contains all of my personal information and found no way to do so. Upon calling the support line I was told there is no way for them to close my profile and no way to request or remove my information as I had no active account ( I was never successfully able to open an account with them! ) So, Goldman Sachs seems to me like less of a financial institution and more of a personal data retention company with no desire for an actual customer relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$500.00} from an ATM located at the XXXX XXXX XXXX. The ATM approved the transaction and debited my account {$500.00} ( including the ATM fee ), but no cash was dispensed from the machine. I immediately reported the issue to my bank and filed a dispute for ATM cash not received. My bank later denied the claim based solely on the ATM transaction log showing dispense success and completion code XXXX. However, the documents provided to me only show the electronic journal entry from the ATM. They do not include the ATM cash reconciliation report, cassette counts, reject bin or retract bin counts, or confirmation that the ATM balanced after the transaction. A successful authorization and dispense entry in the electronic journal does not prove that the customer actually received the cash. Proper investigation of an ATM cash dispense dispute typically requires reconciliation of the machines cash totals and internal bins to confirm whether the ATM was over or balanced. Because I did not receive the {$500.00}, I am requesting that the bank reopen the investigation and obtain the ATM cash reconciliation documentation from the ATM operator, including cassette counts, reject/retract bin counts, and any relevant camera review, to verify whether the ATM balanced correctly after the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX is doing identity theft with me and early warning services.

Company response to consumer: Closed with explanation