vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been asking Chase Bank to correct the Fraud in their system since XX/XX/year>. They have told me my social security number is linked to an open credit account with Chase Bank but under a different name. The Bank continues to say they are researching the concern but have done nothing to fix the issue. I am beginning to believe they are enabling the fraud or are in some way involved in facilitating the fraud. I have sent clear photos of the front and back of my social security card, and they have pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I am submitting a formal complaint regarding a servicing error on my mortgage account following its transfer from XXXX XXXX to Rocket Mortgage. On XX/XX/year>, I made my regular monthly mortgage payment manually, as I have consistently done. My account was current, and my next payment was not due until XX/XX/year>. Despite this, on XX/XX/year>, an additional payment was initiated via automatic draft from my checking account. I did not authorize enrollment in auto pay at any time. Upon reviewing my account, I discovered that auto pay had been activated without my consent. During an initial conversation with a Rocket agent, I was told that auto pay could not be set up without authorization. However, on XX/XX/year>, a representative acknowledged that a system error likely caused the unauthorized enrollment. As a direct result of this error, my bank charged {$55.00} in fees due to the attempted duplicate withdrawal. I maintain only the necessary funds in this account for scheduled payments, making this outcome unavoidable given the circumstances. At their teams request, I submitted my bank statement on XX/XX/year>, for reimbursement review. After receiving no response, I followed up on XX/XX/XXXX and was advised the matter would be reviewed within 12 additional days. Instead, I was later informed that the issue required further investigation by another department. As of XX/XX/year>, nearly two weeks after my initial submission, I have been told the case is still pending review by a research analyst. This significantly exceeds the stated 35 business day review timeframe and reflects an unacceptable delay in resolving an error caused by the organization. This situation raises serious concerns regarding : * Unauthorized changes to payment settings * Inaccurate or inconsistent information provided by representatives * Failure to adhere to stated resolution timelines * Financial harm caused by servicing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX regarding an account listed under Credit Collection Services for {$830.00}. This account has been removed from my XXXX credit report as it could not be verified, and I have documentation confirming this removal. The account also appears as closed on my XXXX report. Despite inconsistent and unverifiable reporting across all three bureaus, XXXX continues to report this account and is now blocking me from disputing it further. I am requesting that the CFPB investigate this matter and require XXXX to remove this unverifiable account from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Capital One regarding an unjustified credit limit decrease on my account. Despite having this account for over 4 years with a perfect, 100 % on-time payment history and no negative marks, my limit was slashed. The reasons provided in the noticespecifically 'insufficient credit history'are factually incorrect given my 4-year tenure with this specific card. I have attempted to resolve this by calling both Capital One and XXXX multiple times. Both companies provided conflicting information and 'ran me in circles ' without offering a clear, logical explanation for why a long-term customer with a perfect record is being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Kind Holdings, LLC
State: WA

Complaint narrative:
Two companies ( Kind Lending and HomeLoanXXXX ) claim to hold my mortgage loan ( original balance {$390000.00} ) and are both claiming I owe them money. I received a letter in the mail dated XX/XX/year> from HomeLoanXXXX notifying me that as of XX/XX/year>, they had acquired both of my two loans. My next payment and all future payments would be made to them. I received a letter in the mail dated XX/XX/year> from KindLending notifying me that as of XX/XX/year> only one of my two loans had been acquired by HomeLoanXXXX. All payments would be due to them on XX/XX/year>. The loan they said HomeLoanXXXX had acquired was the loan I am not required to make payments on. I made payments to KindLending ( {$2800.00} each ) on XX/XX/year>, XXXX and XX/XX/year> for my loan of an original balance of {$390000.00}. On XX/XX/year> I was emailed by HomeLoanXXXX stating they were attempting to collect a debt relating to the {$390000.00} mortgage loan they claimed to hold. I made a payment to HomeLoanXXXX for the amount of {$2800.00} on XX/XX/year>. I called KindLending on XX/XX/year> at XXXX PT to request a refund of my transaction of {$2800.00} on XX/XX/year> because that payment was supposed to go to HomeLoanXXXX since they held my loan. KindLending informed me that they did not sell my loan of {$390000.00} to HomeLoanXXXX and that they still held the loan and the payments were owed to them. I called HomeLoanXXXX on XX/XX/year> at XXXX PT to request a refund of my transaction of {$2800.00} on XX/XX/year> because apparently KindLending still held the loan. HomeLoanXXXX told me that they held the loan, not KindLending, and that payments were owed to them. I had KindLending open an investigation on XX/XX/XXXX. On XX/XX/year> I received a letter in the mail dated XX/XX/year> from Fannie Mae claiming that they purchased my first lien loan on XX/XX/year> and the details they gave listed the Mortgage Lender as XXXX XXXX XXXX XXXX XXXX ( HomeLoanXXXX ) with the original principal balance of {$390000.00}. I made a payment to KindLending of {$2900.00} ( late fee of {$110.00} tacked on ) on XX/XX/XXXX. I have not received any communication from KindLending since XX/XX/XXXX about the investigation of who currently holds my loan and who is owed my money.

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 2026-04-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is not an isolated incident. To date, I have experienced three ( 3 ) separate occurrences of identity theft and unauthorized debit card transactions. The most recent occurred in XX/XX/year>, at which time I filed a formal dispute with my bank. In each instance : 1. At no time did I lose possession of my debit card. 2. At no time was my card stolen from me. 3. I did not visit, use, or interact with any suspicious or unfamiliar establishments or websites prior to the fraudulent activity. 4. The unauthorized charges were not made by me, or by any person authorized by me. Following my identity theft dispute submitted in XX/XX/year>, the financial institution declined to reimburse the unauthorized transactions and instead held me personally liable for charges I did not authorize. This decision was made despite my clear and documented history of recurring unauthorized activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
* * Issue : * * Incorrect information on credit report / Attempts to collect debt not owed * * Company : * * National Credit Systems , Inc . * * Complaint : * * I am filing this complaint regarding an invalid collection account being reported on my credit file. This account stems from a lease at XXXX XXXX XXXX XXXX ( managed by XXXX XXXX XXXX ). The unit provided to me was uninhabitable at move-in, including mold contamination, smoke damage, and unsafe conditions. I repeatedly notified the leasing office in person, by phone, and in writing, and no meaningful repairs were made. Due to these conditions, I was forced to vacate the apartment to protect my familys health. My infant child became ill during this time, which I believe was related to the environmental conditions in the unit. Despite clear documentation of these issues and the landlords failure to perform their obligations, the property continued to charge rent and fees after I vacated. These charges were then sent to collections through National Credit Systems. I dispute this debt in its entirety. The landlord breached the lease first by failing to provide habitable living conditions, which constitutes constructive eviction. As a result, I am not legally responsible for the charges being reported. I have already disputed this account with the credit bureaus, but it was verified without adequate investigation. I have also requested validation of the debt from National Credit Systems. I am prepared to provide supporting documentation, including my lease, written communication with the property, and a detailed timeline of events. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My SSN was stolen, and a {$70000.00} SOFI personal loan was taken out with my identity. SOFI was made aware of the identity theft, with Police Report and Credit Bureau Reports to confirm. I was able to prevent the scammer from accessing the loan, and paid it back to SOFI in FULL immediately. However, Sofi is still trying to collect interest from me in the amount of {$1500.00} due XX/XX/XXXX. When I spoke to a representative today XX/XX/XXXX, they hung up on me due to me being " unprofessionial '' about this matter. This is criminal behavior and victim blaming, and absolutely UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I always check and stay up on top of credit reports. I just so happened to check one day. To find out that Resurgent/LVNV Funding is reporting two accounts on my credit reports as " DEBT BUYER. '' Meaning they have brought this debt from the original creditor to collect. Which is illegal, violated my rights, and sold my personal information to another company including my Social Security Number to collect on debt I don't owe them. They have not provided the following paperwork to validate : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your agency is authorized to collect on this debt. 5. A copy of any agreement or contract bearing my signature related to this debt. Til this date. They have not sent anything to email or written to my mailing address. I called, I was denied and last call they hung up in my face. This is hurting all three of my credit reports. I tried and tried, but they will not talk to me or my lawyer. I think this should be deleted asap. I tried to take care of it going on 6 months. They don't have the right paper work. They are not the original creditor. My debt was sold without notifying me. This is illegal. Thank you. * * * * * * * * * * * * * * * * * ACCOUNTS ORIGINAL CREDITORS * * * * * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened up an account with BMO online because of a XXXX promo. When i fulfilled the agreement and messaged BMO about the XXXX they told me that I needed a promo code. The promo code is not provided in no advertisement when you open up this account. It literally tells you, " Open the account and you'll get {$400.00}. '' Specifically this a smart advantage account, exactly. So, I did exactly what they asked of me. I did exactly made a amount of money, and then I called them and said, " Hey, where's my {$400.00}? '' And they said, " What is the promo code? '' And I said, " There's no promo code, and there's no promo code provided. '' And they said, " Well, we can't do anything unless you have a promo code. ''

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: MI

Complaint narrative:
There is a delinquent " SELF FINANCIAL/LEAD BANK '' credit card account on all of my credit reports that is not mine. I wrote Lead Bank letters on XX/XX/year> and XX/XX/year> ( certified mail ) disputing this account, asking them for proof that I am responsible for the account, and asking them to fix the error on my credit reports. I included documentation proving my identity, address, and evidence that I was incarcerated during the entirety of the account so that it could not possibly be mine. I HAVE RECEIVED NO RESPONSE OR ACKNOWLEDGEMENT OF MY DISPUTE WAHTSOEVER. NONE. Please note, that I have no idea what the billing address for this card was as I never had the account, never saw the card, and never received a bill. I entered Michigan XXXX only because this website required an entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I am filing this complaint against SoFi Bank regarding the denial of a Regulation E dispute for an unauthorized automatic renewal charge of {$790.00} from XXXX ( XXXXXXXX XXXX XXXX ), posted to my account on XX/XX/XXXX. SUMMARY OF DISPUTE I was charged {$790.00} by XXXXXXXX XXXX a XXXX-based day trading community, as an automatic renewal of a yearly membership. I was not informed of automatic renewal terms at the time of original purchase, received no renewal reminder prior to the charge, and had no accessible means to cancel the subscription. The payment was made through an informal XXXX payment link shared via XXXX not through a standard subscription platform with documented terms presented at checkout. SoFi issued a provisional credit while investigating. On or around XX/XX/XXXX, SoFi denied my dispute and informed me the {$790.00} would be debited from my account on XX/XX/XXXX. WHY THE DENIAL IS IMPROPER SoFi 's denial appears to have been based on documentation submitted by the merchant that is demonstrably fraudulent. Specifically : The merchant submitted a Terms of Service document to SoFi containing a Cancellation Policy section. This section does not exist on the merchant 's publicly accessible website ( XXXX ) not at the time of the charge in XX/XX/XXXX, and not as of today, XX/XX/XXXX. I have screenshots taken in XX/XX/XXXX and XX/XX/XXXX confirming this. The merchant submitted a version of their Terms of Service that has never been publicly available to customers. This constitutes fraudulent misrepresentation in a chargeback dispute. Additional facts supporting my dispute : - No auto-renewal terms were disclosed at the point of sale - No renewal reminder was sent prior to the XX/XX/XXXX charge - The only Terms and Conditions link on the merchant 's website is rendered in very low contrast text against a dark background, making it effectively invisible - Following my dispute, the merchant removed me from their XXXX server without notice, revoking the service I was charged for through XX/XX/XXXX- The merchant 's representment letter accused me of learning their strategy and disputing the charge in bad faith an unsubstantiated allegation with no supporting evidence ACTIONS TAKEN - Filed initial dispute with SoFi in XX/XX/XXXX - Provided supporting documentation by phone and in writing - Filed a formal appeal with SoFi on XX/XX/XXXX including screenshots proving the merchant submitted a XXXX that does not match their public website

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I tried adding my gift card to XXXX. The allow this! The gift card company American Express told me that they can add my information. I called 3 times for over an hour. A supervisor said these are ghost cards and you cant add the name address or anything! They are not able to do what XXXX XXXX or XXXX do with their gift cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX National credit systems XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to request validation of the debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting that you provide verification of this debt. Please provide the following : The amount of the alleged debt The name of the original creditor Copies of any documents bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt A complete payment history and how the amount was calculated Until you provide proper validation of this debt, I request that all collection activities cease and desist. Additionally, if this debt has been reported to any credit reporting agency, I request that it be marked as disputed until this matter is resolved. Please communicate with me in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/year> in the middle of paying for a car repair with my XXXXXXXX XXXX XXXX XXXX XXXX XXXXs I was stranded and left without reasoning, a suspension on my account due to suspicious activity without reasoning, or given what the specific suspicious activity was upon calling Upgrade XXXX to figure out what was going on all in any associate who I spoke to was rude and told me due to the terms and conditions they dont have to disclose to me what the reasoning is behind the suspension of my account no action or relative information was given to me. But I was told to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC 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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
When I applied for a XXXX Credit card it was an individual application with no co-signers or joint owners. I struggled with payments and the card balance was then charged off to Jefferson Capital Systems LLC. Some how they got my mothers number and text her messages showing my name ( XXXX XXXX XXXX with links to show what I owe, and make payments. Also stating they could give me a 10 % discount. this is a FDCPA violation. They do not have permission or authority to share ANY information regarding the collection account with a third-party -- yet they did and its not the first time. They have now shared my personal financial information with someone not associated with that credit account and gave them links to access my account and she now has access to my personal information as well as financial information that was compromised.

Company response to consumer: Closed with explanation