vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally request assistance regarding an ongoing issue that has prevented me from opening a Total Checking account with JPMorgan Chase Bank. 

For over seven ( 7 ) years, I have consistently received the same online message stating that Chase is unable to open an account for me at this time. This occurs every time I attempt to apply, including most recently. I have attached or can provide a screenshot of the message for reference. 

I have contacted Chases Account Opening and related departments multiple times regarding this issue. During my most recent contact, I was advised that this matter may require escalation through the CFPB to reach the appropriate back-office or review team, as it appears to be a system-level flag rather than a credit or consumer reporting issue.

To clarify : XXXX XXXX XXXX has confirmed that there is nothing currently reporting that would prevent account approval. 
I am a documented victim of identity theft. 
My identity was restored in or around XXXX. 
Any investigations involving the Social Security Administration and related fraud units have since been addressed and resolved to the best of my knowledge. 
There are no active fraud alerts, freezes, or unresolved identity issues on my consumer reports at this time. 

Based on the information provided to me, it appears that XXXX may still have an internal flag or restriction associated with my profile related to the prior identity theft, despite the matter being resolved years ago. 

At this point, I am requesting : 1. A review by the appropriate back-office, fraud resolution, or account eligibility team.

2. Confirmation as to whether there is an internal Chase flag or restriction associated with my name, SSN, or customer profile.

3. Guidance on what specific steps, if any, are required to clear this issue so I may open an account.

4. Written clarification if Chase has made a final determination not to allow me to open an account, including the basis for that decision. 

I am genuinely confused as to why this issue continues to persist and would appreciate assistance from whoever has authority over legacy system flags, identity-related restrictions, or account eligibility determinations. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates improper and unauthorized application of my settlement refund funds to an alleged XXXX XXXX debt account. 

Portfolio Recovery applied a refund check that I was legally entitled to receive from a lawsuit settlement to an alleged debt without my knowledge, consent, or authorization on XX/XX/year> in the amount of {$170.00}. I was not notified in advance, did not agree in writing, and was given no opportunity to direct how my funds should be used.

Portfolio Recovery Associates conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f ( 1 ), by using unfair or unconscionable means to collect a debt through the application of consumer funds that were not expressly authorized by the consumer or permitted by law ; 15 U.S.C. 1692e, by engaging in deceptive practices through the undisclosed redirection of settlement proceeds in a manner that misrepresents the nature of the collection activity ; and 15 U.S.C. 1692g, by failing to provide meaningful notice and an opportunity to dispute or direct payment prior to applying funds. This conduct further constitutes an unfair act or practice under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 and 5536, as it caused substantial consumer injury through the unauthorized deprivation of settlement proceeds, an injury not reasonably avoidable and not outweighed by any countervailing benefit.

To resolve this complaint, I am requesting that the XXXX XXXXe account be considered paid in full for a lesser amount and that all references to this account be removed entirely from Experian, Equifax, and TransUnion.

I am requesting CFPB assistance to ensure compliance with federal consumer protection and credit reporting laws and to remedy the harm caused by this improper conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Pay Pal MasterCard Bank account ending # XXXX had a charge on an account I didnt make and reported it late on my credit report. I immediately closed the account and still have the amount still showing owed. My credit score dropped down significantly because of charge of XXXX dollars over do that I dont know anything about it. XXXX  has already ruled in their favor. Please help

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Meta Payments Inc.
State: ME

Complaint narrative:
Hello. My business account was XXXX by mistake. I can't contact instagram and request verification. Help me https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
This company Is trying to collect money from me I do not know them

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 2026-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint  XXXX  is my servicer, it was sold to this company when I fell XXXX  months behind. I had a lost of income due to my business being a XXXX  XXXX  and those children are not able to get care due to a waiting list on subsidies. The waiting list has opened up and I can resume payments. what I have been told and the investor does not allow modifications. The original company did, XXXX just being told even after speaking to a hud XXXX the investor this account was sold to does not allow modifications. When I read reviews for shellpoint, it appears they prefer to foreclose and not offer any assistance with saving the home. I am okay with the payment going up if I can save my home.

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
company sold debt and reported debt under a new company

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have been struggling to pay the car note due to interest rates. The car is worth about XXXX XXXX currently and with interest rates and fees, Credit acceptance is receiving about {$18000.00} in profit ALONE. 

I was in a desperate need for a vehicle due to me being pregnant but I feel like I was tricked into a predatory car loan. Credit Acceptance will not consider negotiating the loan offer. They also call about 8 times a day if late. Their constant calling feels like harassment and every time we speak the first thing they mention is repo but are not open to renegotiating the interest rate.

Credit acceptance also reports my payments as late to the credit bureau even though they are recieving overpayment on this vehicle based on the costs alone.

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Loan payments to Mr. Cooper Mortgage. I was charged twice on XX/XX/XXXX and XX/XX/XXXX despite setting up automatic payments. My attempts to contact the company were initially unsuccessful due to their automated system, which did not allow me to speak to a representative. After considerable effort, I found that saying the word 'letter ' could connect me to a real person. 
Eventually, I managed to speak to a representative who suggested a three-way call with my bank to resolve the issue and return my money. However, during the call, the representative disconnected, forcing me to repeat the process. After more attempts, the website went down, adding to my frustration. 
When I finally reached another representative, I was informed that a check would be sent to me, and I was asked which of the XXXX amounts I wanted refunded. I clarified that either amount would suffice, as both were the same. Despite this, I have yet to receive the check, and the website now indicates that my payment is late, as if I never made the payments. This situation has left me without the funds to make another payment. Not sure what else to do. I work. Now I have to waste another day trying to call them with a new issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
" I am filing this complaint against Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX a predatory deferred interest charge of {$1900.00} applied to my account ( ending in XXXX ) in XX/XX/2025. 

I enrolled in Autopay at the time of purchase with the explicit intent and understanding that the system would ensure my promotional balance was paid off before the expiration date to avoid interest. However, the bank 's Autopay interface was misleading ; it defaulted to a 'Minimum Payment ' that did not satisfy the promotional requirements, despite my account having more than sufficient funds to cover the full balance.

As a result, I was hit with a backdated interest penalty that was more than double my remaining principal balance ( {$790.00} at the time ). Upon realizing this error in my XXXX statements, I acted in good faith and recently paid the entire balance in full, including the interest penalty, to protect my credit standing. 

I am a software engineer and a responsible borrower who relies on automated systems to function as advertised. The design of Synchronys Autopay system failed to reflect my clear intent as a consumer. Because I have already paid the balance in full, I am requesting a refund of the {$1900.00} interest charge.

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 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Receiving scam emails about my student loan from XXXX Legitimate emails from Edfinancial would end in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX ) CFPB Complaint ( against PayPal ) Company : PayPal , Inc . 

Issue : Unauthorized electronic funds transfer / dispute mishandled I would appreciate your assistance in reviewing a fraud claim regarding an unauthorized transfer on my account. I believe the initial investigation may have been closed prematurely due to a misunderstanding regarding the security of my device at the time of the transaction. 

On XX/XX/year>, while I was at XXXX XXXX in XXXX, Virginia, my phone was accessed by a third party without my consent. During this time, a transfer of approximately {$510.00} was made from my PayPal account to a " XXXX '' account. I wish to clarify that I have no relationship with this recipient and did not authorize this transaction. I took a screenshot to show that this is the only " XXXX '' transaction that was ever made on my PayPal account. I didnt initiate this transaction, and I do not have a " XXXX '' account. 

I did not discover this theft immediately, but upon realizing it the following month, I promptly reported it to PayPal. Initially, PayPal was very helpful and issued a provisional credit. However, in XX/XX/year>, that credit was reversed. The case was closed citing " insufficient evidence, '' likely because the transaction originated from my device. 

I am asking for a human review of this situation to consider the context that the automated system missed : the device itself was physically compromised. 
Key considerations for this review : Unauthorized Access : My phone was in possession of a third party ; the location data matches my phone, but the user was not me. Someone near the slot machines must have accessed my phone when I went to the bathroom or when I stepped away to grab a XXXX drink. 
No Benefit : I did not initiate this transfer, nor did I receive the funds. 
Security Context : PayPal reissued my debit card, acknowledging that my account security was likely compromised. 
XXXX XXXX : The reversal of the credit has placed me in debt for funds that were stolen from me. 

I respectfully request that you reopen this claim to consider these details. My goal is simply to have the {$510.00} provisional credit reinstated and the negative balance resolved, as I should not be held liable for a theft. 

I believe this is unfair, deceptive, and harmful consumer treatment. Late discovery does not convert theft into authorization. PayPal failed to properly investigate and protect me as a consumer. 
I am requesting a review of XXXX handling of this case and require them to : Reinstate my stolen funds Reopen the fraud investigation Provide justification for their decision I have attached the transaction records, correspondence, and relevant screenshots to assist in your review. 

Thank you for your time and help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/year> back to back transactions were made out of state in XXXX. I reside in XXXX. On XX/XX/year> I noticed the charges were made and contacted the company immediately. I sent in the dispute package multiple times in which they proceeded to act like they never received it they closed my case not once not twice but 3 times stating they had never received the package and reopened each time. I have a XXXX XXXX of emails showing it was emailed to them. I faxed Emailed and Mailed the copies to the company. I called the company multiple times for months on end while they told me they were handling the situation. I would email asking for an update on the case and Noone would ever respond. XXXX emails to be exact. XXXX transactions were made from my card out of California back to back from different stores within minutes of eachother. XXXX multiple phone calls countless hours and emails they then proceeded to deny my claim. I have ample proof that these purchases were fraudulent. I will attach the credit card disputes with this document that I had sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I know anything of this debt, I started monitoring my credit in the beginning of 2025 and it was on there. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off 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 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
Re : Direct Dispute and Validation Request Account Number : XXXX To American Credit Acceptance, This letter constitutes a direct dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I dispute the accuracy and validity of the account you are reporting to consumer reporting agencies. The alleged loan was never validly consummated and is inaccurately reported for the following reasons : The required {$1500.00} down payment was never completed.

No payments were ever made on the alleged account.

The vehicle became defective immediately after purchase. 
I was told the lender was XXXX and never notified of any assignment to American Credit Acceptance.

I never received billing statements, notice of assignment, or contact from your company.

The reported balance and charge-off status are inaccurate.

Please provide full validation, including but not limited to : A copy of the completed and enforceable contract Proof of proper assignment to American Credit Acceptance Proof of down payment fulfillment Proof of notice and billing history An explanation of how the reported balance was calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 



I am writing regarding the alleged debt associated with : Collection Agency : RentDebt Automated Collections Account Number : XXXX I hereby demand that RentDebt Automated Collections immediately cease and desist all communication with me regarding this alleged debt. This request applies to all forms of communication, including but not limited to phone calls, text messages, emails, letters, and contact through third parties. 



You may only contact me in writing to confirm one of the following : 1. That you will comply with this request and cease further communications ; or 2. That you intend to invoke a specific legal remedy permitted under the FDCPA. 



Any communication beyond what is expressly permitted under 15 U.S.C. 1692c ( c ) will be documented and may constitute a violation of federal law. 



This notice is not an acknowledgment of liability for the alleged debt, nor is it a refusal to pay. It is a request for compliance with federal law. 

I am submitting this complaint regarding RentDebt Automated Collections. 

On XX/XX/2023. I sent a written cease and desist request pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), instructing the company to stop all communication with me regarding the alleged debt referenced as account XXXX, originally owed to Columbia Oaks. 

Despite this request, the account continues to appear as actively reported and I am concerned about continued or future communications in violation of federal law. I am requesting confirmation of compliance with my cease and desist request and that RentDebt Automated Collections cease all unlawful communication practices. 

This notice is not an acknowledgment of liability for the alleged debt. 



Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was put on derogatory by this company and I have no clue who they are

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: SC

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX Balance : {$5100.00} Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief