vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
URGENT EXPEDITED REVIEW REQUESTED ACTIVE FINANCIAL HARMFUL ESCALATION. LINK TO OPEN CFPB CASE NUMBER : My CFPB Case Number : XXXX. XX/XX/year>. DO NOT CLOSE AS A DUPLICATE. This is a critical update regarding an active, escalating financial threat caused by XXXX XXXX fraudulent servicing practices. On XX/XX/year>, I submitted a complaint regarding XXXX. XXXX placing my account into an unauthorized, unapproved mortgage forbearance that I never requested, consented to, or signed for. I no longer have an account with XXXX XXXX, but their illegal actions have now triggered active federal debt collection against me. I have just received a formal collection demand from the Department of Housing and Urban Development ( HUD ) dated XX/XX/XXXX. HUD states that I owe {$46000.00} due to an invalid Secretary-Held Partial Claim generated entirely by XXXX XXXX XXXX unauthorized forbearance. Because the 60-day administrative response window on this HUD letter expired on XX/XX/year>, I am now facing immediate, catastrophic federal collection actions, including administrative wage garnishment and tax refund offsets, for a debt I do not owe. I have never signed or initiated an FHA Partial Claim Promissory Note, nor have I ever executed a refinance or loan modification to bundle this debt. I have attached a full copy of the XX/XX/XXXX HUD collection letter and my XXXX Certified Mail receipt to this submission as undeniable proof of the ongoing financial damage and my active administrative dispute. CRITICAL ACCOUNT ACCESS DEFICIENCY : Please note that I do not have a XXXX XXXX loan number or access to the XXXX XXXX online portal. Because I am no longer a customer and they have restricted my account access, I am completely locked out of reviewing their internal system notes, payment histories, or transaction ledgers. XXXX XXXX must locate my files using my full legal name, social security number, and the property address associated with the fraudulent FHA Partial Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am submitting this complaint regarding USAA 's decision to close my accounts and the manner in which the matter has been handled. I received a letter in my USAA inbox stating that my accounts would be closed 60 days after XX/XX/year>. On XX/XX/year>, I contacted USAA to understand the reason for the closure and to discuss possible options. During that conversation, I was told that the account closure was due to my allegedly allowing fraud on my account or using my account for fraudulent activity. I strongly dispute both of these claims. At no time have I knowingly participated in fraudulent activity or used my accounts for any improper purpose. I have been a USAA member for approximately 10 years, have maintained direct deposit with USAA for more than 5 years, and am a military service member. When I became aware that I had been the victim of a scam, I promptly reported the issue and took appropriate steps to protect my accounts, including replacing my debit card. I have never deposited or used a fake check, nor have I intentionally engaged in any activity that would violate USAA 's account terms. During my call, I repeatedly requested information about any appeal process or review of the closure decision. I was informed that no appeal would be allowed. I also asked whether I could open a new checking and savings account or otherwise maintain my banking relationship with USAA, but that request was denied without further explanation. I am concerned not only about the decision itself but also about the lack of transparency regarding the reasons for the closure and the inability to request a formal review or appeal. Given my long-standing relationship with USAA, my military service, and my history of maintaining direct deposit and banking accounts in good standing, I believe I deserve a clear explanation and an opportunity to have this matter reviewed. I respectfully request that USAA conduct a thorough review of my account history, provide a detailed explanation of the basis for the closure decision, and reconsider its refusal to allow an appeal or account review. I also request that any records inaccurately suggesting that I participated in fraud be corrected. Thank you for your attention to this matter.

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 2026-06-09 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: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a client of Bank of America for XXXX years and it they closed my accounts Sunday XXXX/26 without warning or email or phone call. and now I dont have access to the money. I live pay check to paycheck, and they wont give me my money. They closed the account and its going to take weeks for the money to being received. PLEASE HELP. I have called them multiple times and they wont send the 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 monetary relief
Consumer complaint received 2026-06-09 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: CO

Complaint narrative:
On XX/XX/XXXX I visited a Chase branch and met with bank manager XXXX regarding two disputed XXXX charges of {$300.00} each posted XX/XX/XXXX and XX/XX/XXXX. XXXX contacted Chase claims on my behalf and arranged for a new debit card to be issued specifically to prevent further XXXX charges from being processed against my account. During the dispute process, my bank statement shows three credits and three corresponding reversals of {$300.00} each. When I contacted Chase today, a representative explained that two credits were Chase provisional credits for my two disputed charges, and a third credit was issued by XXXX directly. When Chase ruled in XXXX 's favor, Chase reversed their two provisional credits and XXXX 's credit was also reversed, resulting in three total reversals from my account. The reversal on XX/XX/XXXX pushed my checking account into overdraft. I did not authorize the net effect of three withdrawals when I only ever made two payments. Despite the new debit card being issued on XX/XX/XXXX specifically to prevent further XXXX charges, XXXX continued to process charges. When I asked Chase for documentation of the XX/XX/XXXX debit card reissue, a representative named XXXX stated she could not provide it. I also raised with Chase that the merchant XXXX XXXX XXXX was operating under a terminated XXXX XXXX at the time of the transaction California Secretary of State records show XXXX XXXX XXXX was terminated XX/XX/XXXX, 49 days before my contract was signed XX/XX/XXXX. A Chase manager named XXXX asked me to submit this documentation and indicated Chase could provide me with documentation XXXX submitted when contacting Chase in connection with my disputes. XXXX then ended the call abruptly without confirming the disputes were reopened or providing any requested documentation. Chase denied both original disputes on XX/XX/XXXX and XXXX, XXXX stating transactions were authorized. I reopened disputes with additional documentation including Colorado Attorney General complaint XXXX and FTC report XXXX. Chase denied them again. The underlying merchant transaction involved material breach of contract and misrepresentation by a merchant operating under a terminated corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-06-09 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: AL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON 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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We are submitting this complaint regarding the closure of our Citi / AAdvantage credit card account on XX/XX/XXXX by Citibank. This account was not opened through a new application. It was automatically converted from a longstanding XXXX XXXX XXXX account as part of a portfolio transition. Our XXXX account had been maintained in excellent standing for several years with no issues. Because Citi is now the primary issuer associated with XXXX XXXX co-branded consumer credit cards, this decision effectively prevents us from maintaining the airline rewards relationship we previously held in good standing through XXXX. After the closure, we requested an explanation. Citi informed us that the closure was based on a prior decision made in XXXX to terminate our banking relationship. At that time, we were not provided with a specific explanation or documentation regarding the reason for that decision. Additionally, we were not given an opportunity to address or correct any concerns in XXXX. Had we been given that opportunity, we would have fully cooperated. We remain willing to discuss or clarify any past or current concerns if that would allow for a fair review of our eligibility today. Since XXXX, nearly nine years have passed, during which we have maintained a strong and positive credit and banking history across multiple institutions. We made a good-faith request for reconsideration, noting the passage of time, our positive financial history, and the fact that this account was transferred automatically rather than opened by application. Citi responded that their position remains unchanged and declined further assistance.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: DC

Complaint narrative:
This is ridiculous I am not about to ignore this my son right now is in XXXX and I have had cash app open for so long for years I'm a victim of identity theft cash app decided to close my account indefinitely due to fraudulent activity now they're not able to tell me what kind of fraudulent activity was going on but they just close my account for no reason I decided to open up a business account and when I did that I was transferring money and stuff like that from my personal account to my business account and sometimes I will send the money to my son I had proof of all of that and then next thing you know they decided to close my account now there's no proof of saying that you have to have a business to open up a business account I had this business account open for XXXX knows I don't know how long it's already difficult to open up other accounts when it comes to sending money XXXX I am not about to just ignore this I'm not about to just allow cash app to do what they want to do I spoke to XXXX XXXX XXXX XXXX XXXX XXXX in the department and apparently she is considered the supervisor and I am willing to go as far as getting this taken care of because if I am a victim of identity theft then Cash out is the one that's doing fraudulent activity I am the only one that uses this account no one else uses this account but me '' My Cash App business account ( $ XXXX XXXX ) was abruptly blocked on [ XX/XX/year> ] without prior warning or specific explanation of which policy was violated. I opened this account for my future business, [ XXXX ], and have only used it for legal transactions. I have already contacted Cash App Support via the app and phone to appeal, but have received only automated responses stating my account is closed for 'violating terms ' without further detail. I believe this closure was an automated error and feel targeted as I have provided all requested verification and my activity is within the Acceptable Use Policy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: POWERPAY, LLC
State: MD

Complaint narrative:
I am the contractor/merchant for a home improvement financing transaction through PowerPay. The application number is # XXXX for consumer XXXX XXXX XXXX and merchant XXXX XXXX XXXX XXXX XXXX. PowerPay approved the consumers application and sent written approval confirmation. PowerPay then contacted us before the expiration deadline, stating the application would expire on XX/XX/year> and that the Payment Authorization Certificate needed to be received before that date. The project was completed before the deadline. Completion documentation/photos were submitted, and PowerPay sent written confirmation on XX/XX/year> that the XXXX had been signed and completed by all applicants and instructed us to upload documents necessary to move forward with funding. After completion and homeowner sign-off, PowerPay closed our merchant account access and verbally advised that it would not fund the project. PowerPay refused to provide a written reason. They also stated the homeowner would not be charged. This appears to leave the contractor unpaid after the consumer financing was approved and completion documents were signed. I am requesting regulatory assistance in obtaining a written explanation of the status of the consumer loan/application, the reason funding was refused after approval and PAC completion, and the basis for closing the transaction after the work was completed. I have since been locked out of my account and can not access any additional loan information besides the emails sent to my company via email.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Midland Credit Management and XXXX XXXX that I believe is inaccurate and does not belong to me. I discovered this account while reviewing my credit report. I do not recognize the debt, have never entered into an agreement related to this account, and do not believe I am responsible for the alleged balance. The reporting of this account has negatively impacted my credit profile. I have disputed the account and requested verification that the debt belongs to me. To date, I have not been provided with sufficient documentation proving that I am legally responsible for this debt. Despite my dispute, the account continues to be reported on my credit report. I am requesting that Midland Credit Management and XXXX XXXX to provide complete documentation demonstrating that I am the correct consumer associated with this debt. If the company can not verify the debt with competent evidence, I request that the collection account be removed from all credit reporting agencies and that any inaccurate information be corrected immediately. I am seeking a fair resolution and compliance with all applicable consumer protection and credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has not paid me my default judgment in the amount of {$1000.00} the docket number is out of the XXXX of XXXX XXXX of XXXX and Pennsylvania the docket numbers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint concerning the handling of my Equifax ID Patrol account and the conduct of Equifax customer service representatives. On XX/XX/year>, I contacted Equifax because I was unable to access my payment history through the website. When attempting to navigate to additional pages of transaction history, the page would not reload and I could not obtain information regarding previous payments. I spoke with a representative identified as XXXX. Rather than assisting with the website issue or providing a statement of payments, he instructed me to obtain the information from my bank. I explained that this would require downloading and searching through bank statements when Equifax should be able to provide a record of payments directly. He refused to provide any additional assistance. I requested to speak with a supervisor. XXXX stated that speaking with a supervisor would be a " waste of time '' because the supervisor would say exactly what he was saying. When I challenged him, he confirmed that he was refusing my request to speak with a supervisor. I then requested a refund, which was denied. I requested cancellation of my account, and during the cancellation process I was asked to acknowledge that by cancelling my account I would be forfeiting any right to a refund. I found this statement troubling and inappropriate. After a lengthy hold, I eventually spoke with supervisor XXXX ( Employee ID XXXX ) under Case Number XXXX. The supervisor stated that the first representative had done nothing wrong, yet also indicated that a refund could have been provided had I not already cancelled the account online while waiting to speak with him. I believe I received inadequate customer service and inconsistent information. I am particularly concerned about : Refusal to honor my request for escalation. Being told that requesting a supervisor was a waste of time. Failure to provide payment history due to a malfunctioning website. Statements suggesting that cancellation required relinquishing refund rights. Contradictory explanations regarding refund eligibility. I am requesting that Equifax investigate this matter, review the call recordings associated with Case Number XXXX, determine whether company policies were followed, provide a written explanation of its refund policies, and consider issuing a refund and any other appropriate corrective action. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

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