vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for attempting to collect a debt from me in the state of Florida without holding the legally required XXXX XXXXXXXX XXXX XXXX XXXX. I received collection communications from this company, but the notice did not include a XXXX license number. I searched the Nationwide Multistate Licensing System ( NMLS ) and confirmed that Finance System of Richmond, Inc. only holds active licenses in California and Indiana. They do not hold a XXXX collection agency license, which is required under Florida law for any thirdparty debt collector attempting to collect from a Florida resident. Attempting to collect without proper state licensure may violate both the Florida Consumer Collection Practices Act ( FCCPA ) and the federal Fair Debt Collection Practices Act ( FDCPA ). I believe this company is engaging in unauthorized and potentially unlawful collection activity. I am requesting that the CFPB investigate this matter and require the company to provide : - Proof of a valid Florida collection agency license, and- An explanation for why they are attempting to collect in a state where they are not authorized to operate. Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PNC Bank N.A.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made multiple large payments totaling {$3600.00} to my PNC credit card account : * {$830.00} on XX/XX/XXXX * {$530.00} on XX/XX/XXXX * {$1100.00} on XX/XX/XXXX * {$1100.00} on XX/XX/XXXX Based on these payments, my account should not have a past-due balance. I was also informed by PNC customer service that refunds of {$36.00} and {$19.00} were issued. Despite this, PNC is reporting my account as past due and continues to demand additional payment. The amount they claim is due is small ( approximately {$25.00} ), which suggests a possible error such as misapplied payments or improper interest charges. I submitted a written billing dispute to PNC requesting a full accounting, including how my payments were applied and an explanation of the remaining balance. However, PNC has not provided a proper response and continues to send past-due notices. PNC continues collection activity while my billing dispute remains unresolved. I believe PNC has failed to properly investigate my dispute and may be reporting inaccurate account information. I am requesting : * A full accounting of my account * Correction of any errors * Removal of any improper fees or interest * Correction of the past-due status * Assurance that no negative credit reporting occurs I have made good faith efforts to resolve this directly, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX PM, I was the victim of a robbery during which my XXXX was stolen. Within minutes of the incident, at approximately XXXX PM, I secured the device by reporting it stolen and locking it through XXXX XXXX Find My XXXX system. Shortly after the robbery, I noticed suspicious activity on my checking account with JPMorgan Chase Bank. On the evening of XX/XX/year>, I contacted Chases fraud department and explicitly reported that my phone had been stolen and that fraudulent activity might be occurring. During that call, I clearly instructed Chase to block all transactions and secure my account. Despite this real-time notification of fraud, Chase allowed XXXX transfers XXXX be processed from my account. The unauthorized transactions were : {$1000.00} XXXX payment to daron {$3000.00} XXXX payment to XXXXXXXX XXXX XXXXXXXX XXXX I do not know these individuals and did not authorize these payments. Immediately after speaking with Chase, I changed my username and password and my debit and credit cards were canceled. I submitted a formal dispute and appeal with supporting evidence, including the timeline of events and confirmation that the device was locked shortly after the robbery. I also filed a fraud report with the Federal Trade Commission ( Report XXXX : XXXX ). Despite this, Chase issued repeated generic denials dated XX/XX/XXXX and XX/XX/year>, stating that the transactions were authorized. These responses did not address the facts of the robbery, the immediate fraud notification, or my request to block transactions. Chase has also failed to provide the information I requested regarding their investigation, including device data, authentication method, IP address, and confirmation that the XX/XX/XXXX fraud call recording was reviewed. This complaint involves a robbery, identity compromise, and unauthorized electronic transfers that occurred after I notified the bank of active fraud and requested that transactions be blocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I had a duplicate payment processed. XX/XX/year>. The payment of {$1000.00} was refunded by Rocket mortgage. The actual payment of {$1000.00} debited my XXXX checking on XX/XX/year>. Rocket mortgage is stating the payment was returned. XXXX confirmed by phone that is not accurate. They refuse to apply the payment tp my loan. I first called Saturday XX/XX/year>, got a specialist at Rocket mortgage asked for a XXXX based supervisor they connected me back into the customer service que. I then got to XXXX who gave me slightly conflicting information telling me on the recorded line that my XXXX payment also did not go through, also not accurate. I was extremely frustrated at this point. I did apologize to her for being frustrated but this ia not acceptable, Rocket mortgage has my money for the XXXX payment and will not apply it. My account is going to fall behind and cause negative credit reporting due to an error on their end. I expect not to be charged any late fees. XXXX then advised today XX/XX/year> we could call XXXX to verify the funds came out then stated it wouldn't resolve the problem. I have spent XXXX houra trying to resolve this issue to no avail. My experience with XXXX mortgage has been an absolute nightmare over this payment. When I spoke with XXXX on XXXX had she mentioned a bank statement was needed as evidence I could have obtained that for her and sent it to her electronically Monday instead of waiting until today for her to not proactively mention this would help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing a fraudulent account with CRA Equifax and nothing has been done. As a consumer i have the right to dispute accounts ) with inaccurate information. i have asked Equifax to send proof of reinvestigation for the following accounts ) with no success. XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Assigned Date XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
My debit card from M & T was used fraudulently by an unknown person to purchase a gift card from XXXX {$52.00} was debited from my account by M & T on XX/XX/year>. When checking my account information online, I saw the giftcardgranny.com transaction and did not recognize it. I called giftcardgranny.com and was told they would begin a fraud investigation on their end, but that I also needed to have an investigation started by my bank. Again, I never had an account with this merchant, which they can confirm. Today, I received a letter from M & T, which stated, among other things : " We have concluded our investigation and, based on the information available to us, we have determined that the merchant has fully reimbursed you for the transaction ( s ) in question and credited your account. Consequently, we have closed your claim.... Because your claim is being closed, we will be reversing the provisional credit by debiting ( charging ) your account for the amount of the disputed transaction, {$52.00}, on XX/XX/year>. '' I never had an account with the merchant through which I could have been reimbursed. Therefore, M & T is lying to justify its own theft of my money. Today I spoke with the fraud department at M & T, which commiserated but said only Customer Service could restore the credit. I spoke with XXXX different individuals at M & T 's outsourced customer service department, both of whom repeated the lie that " there has been no fraud. '' I know this is a small amount, but banks should not be allowed to steal from their customers.

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 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was texted that someone tried to make a purchase ob my chime account for {$350.00} in XXXX It said if this is you press XXXX of this is not you making a purchase press XXXX. XXXX not in XXXX XXXX in XXXX XXXX. I press XXXX. I get another text says chime banks customer service is going to call you shortly bc we suspect fraud. My phone rings. It says on my caller ID CHIME BANKING. I answer. A foreign man answers me back with the " hi this is so XXXX so from chime we suspect your account has been hacked into. Is your name XXXX and did u just try to make a purchase at XXXX In XXXX. I replied with no. He went on to tell me that all of my accounts linked to my chime have been hacked into that meant my pay pal, my XXXXXXXX XXXX so forth. After he tells me down to the XXXX how much money I have in all of my accounts checking, savings, and credit. He had some kind of inside info to know exactly how much money I had in all XXXX of my chime accounts. He told me how to go to the pay tab on the home screen in the chime app and combine all money into XXXX account then proceed to send it to your new account number and he read me the number I did as instructed all while at work and dealing with my own customers. Next thing I know he says okay dobt log back into chime with your new account for XXXX hrs. He even had me take money from the spot me tab on chime. So I ended up having to pay chime back. That account number was not my new one but it was his account I believe. I called chime over XXXX over and all she said was we'll never call you we cant call you. Well this was XXXX of XXXX. Now they have a warning message all over they're app warning their members of the fraudulent activity going on but they told em they couldnt help me bc the money was not sent in mistake. XXXX like I stated how did this random guy kno how much money I had in my accounts? They refused to help me told me to file. Police report and I did and still not XXXX concern no empathy, nothing this person got me for {$1500.00} XXXX XXXX XXXX XXXX and XXXX XXXX dollars. And chime could care less. And I had to pay back chime the XXXX dollars that apparently I borrowed from them to send to this is so called new account of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Today ( XX/XX/XXXX ), I have spent about XXXX hours on the phone with Ally with no answers. I leased the XXXX XXXX XXXX with Ally. My lease was up in XXXX and I ended up buying out the lease. My personal loan paperwork was with Ally because they offered the best options for lease buyout so I wanted to stay with them. The contract was finalized on XX/XX/XXXX. No more lease, I now owned the vehicle and Ally was the lien holder for the time being until I paid off the loan. Theyre telling me it takes XXXX weeks, and were at week XXXX. I spoke to the XXXX XXXX XXXX and XXXX XXXX even submitted any paperwork to get the ball rolling on this. I have spent XXXX hours today and have received no answers from Ally. They told me no supervisors were available, they bounced me from dept to dept to dept and multiple calls dropped while they were transferring me so I had to keep calling back in. I am in the process of trying to sell my truck but now the buyers are backing out because according to XXXX XXXX and XXXX, my truck is still a lease. They told me they technically still have XXXX weeks with that XXXX week guideline but can give no specifics on where the process is at. I am beyond frustrated with them and have been with Ally for vehicles for over XXXX years now but after this debacle, I will never buy through them again. The fact that it takes XXXX weeks to change the title and send the correct paperwork to the XXXX XXXXXXXX XXXX office in a respectable time is outrageous and even after XXXX weeks, I still have no answers on where we are in the process. This is preventing me from selling the vehicle tomorrow afternoon and now I have no idea if I will get any answers in a decent timeline. Frustrated beyond belief with Ally currently and at this point, Id never recommend someone to do any business with Ally Bank. Thank you.

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 2026-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'I filed a claim with my bank (Claim Number XXXX) detailing all the charges that were unauthorized charges on my credit card ending in XXXX. The bank took down all the charges and told me they were going to open the claim. They only ended up credited me XXXX, closed the claim, and failed to add all the transactions I mentioned to them on the phone call.\n\nSee all unauthorized transactions I told them below ( I have attached bank statement documents also with DISPUTE highlighting unauthorized charges). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by my student loan servicer, Nelnet. My account was in forbearance, and I did not receive any notification ( by mail or email ) that the forbearance period had ended or that payments would resume. My payment was reportedly due on or around XX/XX/XXXX, but I was not aware of this due to the lack of communication. It was not until XX/XX/XXXX, when I checked my credit report, that I discovered my account was being reported as delinquent. This was the first time I became aware of any issue. As soon as I discovered the delinquency, I took immediate action by setting up automatic payments and bringing my account into good standing. I have not missed any payments since that time. The delinquency reporting is negatively impacting my credit, despite my good faith effort to remain current and the lack of proper notification from Nelnet regarding the end of my forbearance. I am requesting that Nelnet conduct a full investigation and remove or correct the delinquency reporting, as I was not properly notified that payments had resumed. This request is made under the Fair Credit Reporting Act, which requires accurate and fair reporting of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Mortgage company does not send monthly statements or year end statements. Claim that they are not required to .. i pay my mortgage every month. Have no idea what balance is .. cant file income tax because no XXXX with property tax and interest on mortgage ... last statement received was XX/XX/year> and i had to fight to receive it...

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint and Demand for Deletion of Unverified Debt Under FCRA To Whom It May Concern, I am filing a formal complaint against a debt collector and/or furnisher of information for reporting an alleged debt that has not been validated and remains completely unverified. Despite my formal dispute and request for validation, the reporting party has failed to provide any competent evidence that this debt is legitimate, accurate, or legally enforceable. They have not produced a signed contract, a complete payment history, or any documentation proving I have a legal obligation to pay this alleged debt. This conduct is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681s-2, which require that all information reported to consumer reporting agencies be accurate, complete, and verifiable. Reporting a debt without proper validation constitutes the reporting of inaccurate and unverifiable information. Additionally, under 15 U.S.C. 1681i, once a dispute has been filed, the furnisher is required to conduct a reasonable investigation and verify the information. Failure to do so mandates the deletion of the disputed item from my credit file. No such reasonable investigation appears to have taken place, as no proof has been provided. At this point, the continued reporting of this alleged debt is willful noncompliance with federal law. Therefore, I am demanding the following : - Immediate deletion of the unverified and inaccurate account from all credit reporting agencies- A full investigation into the reporting entity for violations of the FCRA - Written confirmation that this matter has been resolved and the account has been removed I expect the CFPB to enforce compliance with federal law and hold the reporting party accountable. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing legal action for willful violations of the FCRA, which may include statutory damages, actual damages, and attorneys fees. This complaint is submitted in good faith and is supported by my prior dispute attempts and the complete lack of validation provided by the reporting entity. I expect timely acknowledgment and resolution of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: GREENSKY OPERATIONS, LLC
State: MN

Complaint narrative:
I took out a loan with the GreenSky XXXX XXXX for {$10000.00}. Im financing a walk-in shower installed by XXXXXXXX XXXX The monthly payment was {$150.00}. My complaintGreenSky changed the loan amount to {$10000.00}. They now have changed the monthly payment also to {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: U.S. BANCORP
State: MI

Complaint narrative:
I was the victim of a phone scam over the past XXXX days. The scammer used social engineering to manipulate me into buying gift cards with my credit card. I called them and they refused to help, saying since it was gift cards theres nothing they can do. I was under duress and these transactions were unauthorized.

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