vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: KY

Complaint narrative:
I have reached out to the company several times in order to get the loan serviced and to ask about other options than foreclosure. No response or option for any other action was given. I reached out on XX/XX/year> in order to get my funding fee refunded as I have proof of a service connected disability prior to them closing the loan and I am entitled to a refund in the amount of {$10000.00} and still have not received this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The mortgage on this property is in foreclosure following the borrowers death. I am the court-appointed Administrator of the estate with full authority granted by the XXXX XXXX XXXX XXXX Letters of Administration issued XX/XX/XXXX ). I am acting in a fiduciary capacity to preserve estate property and prevent foreclosure. 

On or before XX/XX/XXXX, I submitted documentation to Chase Bank, including Letters of Administration, death certificate, and a completed successor-in-interest packet, and requested mortgage assistance and foreclosure prevention options. On XX/XX/XXXX, a complaint was submitted to the CFPB due to delays and lack of progress. 

After that filing, Chase initiated mortgage assistance activity. On XX/XX/XXXX, Chase ordered and completed a property valuation report, which explicitly states it was prepared as part of my request for mortgage assistance. Chase Executive Office also confirmed that foreclosure activity was suspended due to a successor-in-interest review hold. 

Despite initiating these actions, Chase later advised that it will not proceed with mortgage assistance unless I become a successor in interest. I have repeatedly clarified that I am not seeking to assume the loan, take title, or become the borrower. I am acting solely under court authority as estate administrator to pursue loss mitigation and preserve the property. Chase has acknowledged my authority but continues to require successor-in-interest status, which is not applicable to my role. 

The temporary foreclosure hold is scheduled to expire on XX/XX/XXXX. Chase has not provided written clarification, a loss mitigation decision, or confirmation that the foreclosure suspension will be extended, creating an imminent risk of foreclosure due to servicer delay and inconsistent handling. 

I am requesting that Chase either proceed with mortgage assistance under my court-appointed authority or provide a written explanation for refusal, and that foreclosure activity remain suspended while this issue is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I have been contacting this company for a couple of years, sent dispute letters and they still continue to harass me regarding a debt that does not belong to me nor have proof that I am connected to such debt. They have removed the debt from previous disputes and have replaced this credit collection on my credit report causing me to have issues being approved for line of credit.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year> I checked my credit and saw 3 collection accounts I have no record of and suspected fraud. I filed a police report with my local police office for Identity theft/fraud. I filed 3 disputes with XXXX XXXX and equifax. The names of the companies are Jefferson Capital for one debt collection and I C systems for the remaining 2. I filed these disputes as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I got a credit report back that says I have a capital one card open and I did not open it. I have called capital one and shut the card down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2026-01-29 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: IL

Complaint narrative:
PORTFOLIO is 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 explanation
Consumer complaint received 2026-01-29 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XXXX XXXX REF # XXXX TRIED TO DISPUTE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint to request your assistance in investigating and correcting inaccurate, unverifiable, and improperly reported debt collection accounts that are currently damaging my credit report. 

Despite multiple attempts to resolve these matters directly with the credit bureaus and collection agencies, the negative items remain reported without proper verification, in violation of federal credit laws. 

Violations Include ( but are not limited to ) : 1. Failure to Properly Verify Debts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to conduct a reasonable investigation and provide accurate, complete, and verifiable data. The collection agencies reporting these accounts have failed to provide proper validation when requested. 

2. Reporting Inaccurate or Incomplete Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The accounts in question contain inaccurate balances, dates, and/or ownership information. 

3. Unlawful Collection Practices Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection and reporting if validation is not provided. These agencies continued reporting without lawful validation. 

4. Re-aging and Improper Reporting Some accounts appear to have been re-aged or reported with incorrect dates, which is prohibited under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Optum Bank has significantly delayed the transfer of my Health Savings Account ( HSA ) to XXXX. I requested the transfer XX/XX/XXXX of last year, provided all required information, and the transfer still has not been completed after 810 weeks. Optum has not given me a clear explanation for the delay, and their customer service responses have been inconsistent. 

This prolonged delay is preventing me from accessing and investing my HSA funds. I am requesting that regulators require Optum Bank to complete the transfer promptly and provide an explanation for the extended delay. 

My account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CA

Complaint narrative:
CREDIT  is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT  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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I intended to book one stay. XXXX generated two reservation numbers for the same stay. The host increased the price shortly after booking, which is not allowed. The host canceled one reservation, leading me to believe the booking was canceled. I made a payment under the belief I was resolving the original booking, not agreeing to a higher price or a second reservation. I never stayed at the property. I literally had two reservation numbers which I was only aware of the one I sent proof of cancellation proof of not staying at the place proof of the host canceling and everything. 

This transaction qualifies as a billing error under Regulation EXXXX I previously provided documentation showing that the merchant failed to deliver the agreed service and/or failed to issue the required refund. Despite this, my dispute was denied without adequately addressing the evidence provided. 
Under Regulation E, Chime is required to conduct a reasonable investigation and either : Correct the error, or Provide a written explanation clearly stating why the transaction is not considered a billing error. 
I am requesting that this dispute be reopened and reviewed under Regulation E, and that provisional credit be issued if required by law. If Chime maintains its denial, please provide a written explanation detailing how the evidence I submitted does not constitute a billing error under 12 CFR 1005. 
Please note that this matter is being documented for regulatory review. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: UPGRADE, INC.
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 your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I have a contract with this company, and it specifically says in that contract that me nor them are allowed to treat the item as fixtures. They are to be personal property, but they have put a fixture lien with my county. For multiple contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I made a purchase with my Capital One credit card at a mobile food truck in XXXX operated by XXXX and XXXX XXXX XXXX for {$26.00}. I was charged {$120.00} ; an unauthorized {$100.00} tip was added without my knowledge or consent. I never signed or authorized this tip. 
I filed a dispute with Capital One as soon as I saw the bill on XX/XX/XXXX. I filled out the questionnaire, explaining that I was overcharged. Capital One responded with a decision on XX/XX/XXXX, stating that I was responsible for the charge. In the correspondence, the merchant provided a receipt to the bank, but it contained no signature from me authorizing the {$100.00} tip, which proves I did not consent to this charge. 
My friend was with me at the same food truck on the same date and was also charged an unauthorized {$100.00} tip without consent, demonstrating a pattern of fraud by this merchant. 
I submitted a rebuttal letter on XX/XX/XXXX, explaining that the merchant 's receipt lacked my signature and providing documentation showing my friend was identically defrauded. Capital One rejected my dispute claiming I did not provide " all requested information '' without specifying what was missing. 
On XX/XX/XXXX, I called Capital One and was told by a representative that I needed to explain that the authorized amount was {$26.00} and that I can not contact the mobile food truck vendor to obtain documentation. I submitted a revised letter with this information the same day. 
Approximately one hour later, I received the exact same rejection letter with identical wording, claiming missing information. This appears to be an automated system rejecting my dispute without human review. I have now attempted to reopen this dispute twice with comprehensive documentation, and the bank continues to send automated rejections while refusing to specify what information is allegedly missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
CFPB Complaint requesting Merrill Lynch XXXX all accounts from Bank of America. 
See the attached Acts still showing up when logged into BofA accounts. 
BofA will not allow us to open any new accounts and sends us to XXXX as they control our funds, banking and freedom of the BofA banking system. 

XXXX XXXX in XXXX XXXX XXXX, Florida, XXXX XXXX, will not Delink our XXXX & BofA Accounts. We moved our XXXX Funds out of ML, but think they have left open the XXXX XXXX XXXX accts. ( which have funds missing & will be filed under separate complaint ). XXXX & his banker, XXXX XXXX locked all BofA accts. to be run & reviewed by XXXX and we are unable to open new BofA accts. as BofA says XXXX agent must delink. They will not respond to our numerous complaints and letters the their secure mail or by our emails. We require to be completely removed from any ML association and deal with Delinked BofA savings and checking accts. for BUSINESS & PERSONAL which ML agent will not do.

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 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: SC

Complaint narrative:
Upon logging into my XXXX account with OptumFinancial, noticed XXXX account maintenance fees for {$4.00} each charged on XX/XX/year> and then an additional XXXX $ charge on XX/XX/year>. Also have 11 charges of {$1.00} for paper statement fee. According to fee schedule with the XXXX servicer, these are once monthly fees and should only be charged once. This is {$160.00} over what should have been charged for the month of XX/XX/year>. If I had not logged in to check on the status of my account transfer ( attempting to move funds from Optum XXXX to my current employer XXXX servicer, XXXX Bank ), I would have never known about the overcharging and Optum would have gotten away with {$160.00} in fees they should not have received. Concern is not only for myself, but he thousands of other clients that may be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for a simple no document business loan with XXXX XXXX. My personal credit is decent however my business credit is great. I have had a business banking account with truist for 3 years. I was denied for this loan on grounds that are unjust. My business credit was not even taken into account. I was denied due to a charged off account that does not even show on my credit report as in collection. So there is no true negative debt towards myself. I was not asked if I could provide a co signer. I was simply flat out denied. This type of discrimination towards minority small business owners will no longer be tolerated. These programs exist to help small business however do not make it easy to obtain these loans. I will pursue this to the extreme legal extent.

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 2026-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I disputed the accuracy, ownership, and completeness of this account. CREDENCE RESOURCE MANA has furnished and continued to report inaccurate and unverifiable information, which may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ) ) for furnishing inaccurate information and failing to conduct a reasonable investigation after notice of dispute. Such conduct may constitute negligent noncompliance under 1681o and/or willful noncompliance under 1681n.

Additionally, continued reporting or collection activity without proper validation may violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
SPRING OAKS CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS 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 response to consumer: Closed with explanation