vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I am filing a complaint against Johnson Mark LLC, a Utah debt collection law firm. Johnson Mark LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX They handled a XXXX XXXX XXXX account I paid in full about XXXX years ago. I need a written payoff/zerobalance letter for employment verification. On XX/XX/XXXX, they told me the letter had been mailed, but I never received it. Since then, I have sent several emails and left multiple phone messages. The only response I ever get is XXXX days, but it has been much longer and they still have not provided the document. They have also blocked or denied access to their online portal, which they claim is the only place the letter can be retrieved. Their refusal to provide documentation and failure to respond is harming my employment prospects. I am requesting assistance to obtain the payoff confirmation and access to my account records.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
NOTICE OF DISPUTE AND REQUEST FOR VALIDATION To Whom It May Concern : I am writing in response to your claim regarding the above-referenced account. I dispute this debt in its entirety and request full validation 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. 1681. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full account number associated with the alleged debt XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete payment history and accounting of the alleged debt XXXX. Proof that your company is authorized to collect on this debt XXXX. Proof of assignment or transfer of the debt to your company XXXX. The date of first delinquency XXXX. Verification that this debt is within the statute of limitations CEASE REPORTING WITHOUT VALIDATION If you can not provide the requested documentation, you must : * Cease all collection activity * Remove this account from all credit reporting agencies * Provide written confirmation of deletion NOTICE OF NON-COMPLIANCE Be advised that failure to comply with this request constitutes violations of federal law, including but not limited to : * FDCPA 1692g ( Validation of Debts ) * FCRA 1681s-2 ( Responsibilities of Furnishers ) I am keeping records of all correspondence for potential legal action. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding conflicting and misleading information provided by my student loan servicer, Aidvantage. In XX/XX/year>, I contacted Aidvantage via chat and was explicitly told that my monthly payment would be {$0.00} until next year, pending IDR recertification. Based on that information, I relied on the expectation that no payments would be due in the near term. However, on XX/XX/year>, I received a notice stating that my payments will begin in XX/XX/year> at {$340.00} per month. When I contacted Aidvantage to resolve this discrepancy, they stated that chat communications are estimates only and refused to provide a transcript of the conversation. They also indicated they are not accountable for information provided in chat. This is concerning for several reasons : - I was given clear and specific guidance that directly influenced my financial expectations. - The servicer is unwilling or unable to provide records of their own communications. - There is no transparency in how or why my payment amount changed so significantly in such a short period. I am requesting : 1 ) A full review of my account and IDR calculation, including the income data used. 2 ) Access to any records or logs of my XX/XX/year> communication. 3 ) Consideration for administrative forbearance while this issue is reviewed. 4 ) Clarification on how borrowers are expected to rely on servicer guidance if it is later deemed non-binding and undocumented. This situation reflects a lack of transparency and accountability that places borrowers at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TN

Complaint narrative:
This complaint concerns : ( 1 ) an unauthorized transaction of {$95000.00} on my PNC business checking account ( check dated XX/XX/year>, XXXX XXXX XXXX XXXX Only ) ; ( 2 ) racial profiling and deliberate obstruction by PNC Bank branch manager XXXX at the XXXX XXXX XXXX XXXX XXXX, TN, during my attempts to file a required fraud affidavit ; and ( 3 ) apparent retaliation through account closure triggered immediately after I pressed for answers regarding the missing affidavit.

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: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This is by 2nd time filing a complaint on the same issue. Please listen carefully as I do not have time for oversight or further error. Please see attached judgement for reference. We have called rocket mortgage more than once and none of your associates have a copy of this judgment on file. Again, this judgment needs to be released immediately as it is voided non active judgment. I called the lawyers office on the cover of this judgment, staff stated and confirmed this is an old closed invalid case. I can not pursue my equity loan as this is hindering my ability to finalize my equity loan with Unlock.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
In XX/XX/year>, a late payment was reported on my mortgage account serviced by Rocket Mortgage. I am not disputing the accuracy of this reporting. On XX/XX/year>, I contacted Rocket Mortgage in regards to case number XXXX to request a goodwill adjustment to remove this late payment based on my otherwise strong payment history and the isolated nature of the incident. I was instructed to submit my request via email to their Researchincoming department, which I did, and I later sent two follow-up emails and called twice after receiving no response. After more than a month, I received only a general policy statement that they report accurate information and do not alter credit reporting. My request was not meaningfully reviewed or addressed as a goodwill consideration. I am requesting a fair review of my goodwill request and consideration for removal of the late payment as a one-time courtesy based on my overall payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I did not have any credit card debt with XXXX XXXX like this debt collector is claiming. They have falsified information. I have written proof that I wasnt even approved for a credit card, and never had any opportunity to accrue any debt with the company.

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 — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: OH

Complaint narrative:
I am disputing Loan # XXXX. LendingPoint disbursed the XXXX, XXXX proceeds directly to XXXX XXXX XXXXXXXX XXXX a company later shut down by the FTC for operating a fraudulent XXXX, acompanylatershutdownbytheFTCforoperatingafraudulentXXXX XXXXXXXX business opportunity scam ( FTC Complaint XXXX XXXX ). I never received loan proceeds or valid services as the program was a confirmed sham. I first notified LendingPoint of this fraud on XX/XX/XXXX. LendingPoint ignored this evidence and continued to collect payments. I sent a formal certified-mail dispute which was delivered XX/XX/XXXX. LendingPoint has ignored this formal dispute and continues to send automated collection threats. Furthermore, LendingPoint provided an amortization schedule that demonstrates the loan is mathematically structured to prevent principal reduction, a deceptive lending practice. LendingPoint has collected {$8200.00} from me for a fraudulent product. Given that this loan financed a federally-prosecuted fraud and the terms are unconscionable, I demand a full cancellation of the remaining balance, a correction of my credit reporting, and a cessation of all collection activity. I reserve my right to seek restitution of all payments made to date.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX, I initiated a chat through my Citi AAdvantage Platinum Select Credit Card account online regarding upgrading from my Citi AAdvantage Platinum Select World XXXX Mastercard ( held since XX/XX/XXXX ) to the Citi AAdvantage Executive World XXXX Mastercard. XXXX XXXX and Citi were advertising a new cardmember offer of XXXX AAdvantage miles after {$10000.00} in spend within three months. Eligibility required that I had not received a signup bonus on the AAdvantage Executive card in the prior 48 months a condition I met, as I had never held the Executive card. During the XXXX chat, I explicitly asked the representative whether upgrading from my Platinum to the Executive card would qualify me for the XXXX signup bonus. The representative confirmed that it would. Based on that representation, I proceeded with the upgrade. My Executive card ( account ending XXXX ) was opened in XX/XX/XXXX, and I received a welcome email from Citi. A subsequent email dated XX/XX/XXXX confirmed that the account change was complete. I have since completed the {$10000.00} spend requirement. The signup bonus has not posted to my AAdvantage account. On XX/XX/XXXX, I contacted Citi via chat and was transferred to XXXX from the Citi Escalation Team. I requested that Citi review the FXX/XX/XXXX chat transcripts on my account to verify what was represented to me by their representative. Citi declined to review the transcripts. XXXX stated that no signup bonus is on file for my account. XXXX justified the denial by citing the 48-month rule, stating that I was ineligible because my existing Citi AAdvantage Platinum Select account had previously received an opening bonus. However, the 48-month rule applies only to bonuses received within the prior 48 months on the same product ( AAdvantage Executive ) or on a card converted into the Executive card. My Platinum card bonus was earned in XXXX more than five years before my XX/XX/XXXX application which is well outside the 48-month window. The stated basis for denying my bonus does not align with Citi 's published policy. When I requested a case or reference number for this interaction, XXXX stated no case number would be provided. She offered to raise an " internal complaint, '' but confirmed that no reference number would be assigned, no timeline would be given, and I would not be contacted with the outcome. I have preserved the full chat transcript.

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: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX. I purchased a patio set from Wayfair and used/opened a Wayfair credit card. Wayfair was unable to fulfill my order so I requested a refund. Wayfair granted the refund considering I never received the patio set. The credit card was refunded and had a XXXX balance. The credit card was closed in XXXX XXXX, never being used again. Now on my credit report, there is a collection of the amount for the patio set.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
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: Zions Debt Holdings
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing a complaint regarding the forfeiture of my American Express XXXX XXXX points following the closure of my account. The points ( nearly XXXX XXXX points ) were earned through legitimate purchases made in good faith. I was not provided with prior notice that my account activity would result in forfeiture of my rewards, nor was I given an opportunity to redeem them. I believe the forfeiture of my accumulated rewards is unfair and not clearly disclosed in a way that would allow a reasonable consumer to understand the risk of losing earned points. I am requesting that my rewards points be reinstated or that I be given a reasonable opportunity to redeem them.

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 is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
To whom it may concern, I have a Derogatory mark from a collection agency named XXXX XXXX XXXX, apparently it was opened on XX/XX/year>. I have no knowledge of this account, I disputed it with TransUnion unsuccessfully, they have rejected my dispute alleging that it verified its exiting information. I also spoke with TransUnion and was advice to file a report with CFPB and or FTC. This is a bogus account that does not belong to me. Thank you for your attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am disputing a Capital One Auto Finance account that is being inaccurately reported across all three credit bureaus. This account shows an involuntary repossession and charge-off ; however, there are multiple inconsistencies and failures : - No repossession sale date, auction value, or deficiency balance explanation has been provided- The reported balances do not mathematically reconcile across credit bureaus XXXX XXXX reports incomplete data ( No Info for worst payment status ) XXXX XXXX verified the account without Additionally, the contract provided does not contain verifiable authentication, including any electronic signature audit trail, identity verification, or timestamp, which raises concerns regarding whether this agreement was properly executed. conducting a reasonable reinvestigation- Capital One initially sent a blank response instead of validation - The contract provided lacks proper authentication and verification Additionally, the contract provided does not contain verifiable authentication, including any electronic signature audit trail, identity verification, or timestamp, which raises concerns regarding whether this agreement was properly executed.

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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Two debit card transactions totaling {$140.00} were posted to my checking account for fuel purchases at a local gas station. Each transaction was for exactly {$74.00} ( XX/XX/year> and XX/XX/year> ), occurring two days apart. I did not make these transactions and did not authorize them. We noticed the charges because the fuel amounts were unusual and inconsistent with our normal behavior. We do not preset fuel amounts or stop fueling at whole dollar amounts, and two identical exactdollar transactions stood out among our legitimate fuel purchases. We reported the transactions to the bank promptly as unauthorized debit card transactions. The bank initially agreed and issued a provisional credit, but later reversed the credit after completing its investigation. The bank denied the dispute solely because : The physical debit card was still in my possession The transactions were labeled as chip + PIN The merchant location was local and familiar However, I did not make these transactions, did not authorize another person to use my card, and did not provide my PIN to anyone. The bank relied on assumptions about plausibility and transaction type rather than evidence that I authorized the transactions or personally entered the PIN. I escalated the dispute through multiple supervisor levels, including a thirdlevel supervisor, and was told the decision was final and that nothing further could be done. I requested escalation and reconsideration under Regulation E, but the bank maintained its denial based on card possession and chip + PIN usage alone. I believe the investigation was inadequate and did not properly apply the Regulation E standard, which focuses on authorization, not transaction appearance or location. I am requesting a proper review and reversal of these unauthorized debit transactions.

Company response to consumer: Closed with explanation