vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I rcvd an alert from my XXXX Account showing I owe {$120.00} & listed I.C. Systems as the debt collector. So I called. First of all they asked for my SS # more than once which I hesitantly provided. Then they said the address connected to this account wasn't mine but for an address in XXXX Texas where I've never lived ( XXXX XXXX XXXX, XXXX Texas XXXX ) nor am I familiar with. They could not explain why that address was in my file. Nor did they offer to follow up on this agrecious error or how this incorrect address was entered in the 1st place. When I went to the I.C Systems website they posted a link for a Fraud Packet to dispute this bill but it only brings up an error message. So I called again today and told them their dispute/fraud packet link does NOT work. I was given no reason nor did they offer to follow up on the defunct link. Instead they told me to contact XXXX XXXX XXXX. Which I finally did. BUT the I.C Systems website shouldn't posted a link for a Fraud Packet if it doesn't even work.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Imprint Payments, Inc.
State: RI

Complaint narrative:
I have had a XXXX XXXX account ( mastercard/visa ) for a number of years In XXXX, the servicer moved to Imprint I had a credit limit greater than {$10000.00} Without any notice, my credit limit was reduced to just {$650.00} I began to have charges rejected and could not understand why When I called, they said they had made a credit decision to reduce my credit limit I have always paid on time, am still employed with an annual income greater than {$500000.00} I have not increased my debt They refused to explain why they made this decision I asked for the account to be closed and that I would file a complaint with the CFPB When I asked for the account to be closed they said I would lose all reward earned to date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX from XXXX. Without my consent, XXXX sold this account to Imprint who turned it into a general purpose Master Card. I never signed up for a Master Card and do not want one. I never consented to have my XXXX card turned into a general purpose Master Card. Now I am trying to cancel the account and their AI assistant I am routed to won't do this. I am told to call the company but no one answers the phone there after multiple days of trying to call with no answer. I can't have a credit card forced on me that I never signed up for. I want this card cancelled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: VA

Complaint narrative:
I had a XXXXXXXX XXXX XXXX XXXX XXXXXXXX for years. I received an email telling me I had to transfer this card to a XXXX XXXX now. I XXXX or XXXX not have said yes because I'm XXXX and didn't understand the difference. Now I realized it's a regular credit card with a 32.49 % apr. No way would I have agreed to that. My credit score is in the XXXX, and I have other cards with percentages nowhere near this %. I looked back, printed it out. They never revealed the APR to me. unless it was in such small print somewhere. I haven't used it, nor do I want to. They switched things on me without my understanding. So I've tried so many times to cancel the card online, there's no option, via phone, I'm also on hold. I got this XXXX XXXX XXXX XXXX, NY XXXX. I'm frustrated because I feel I've been scammed, tricked. I'm a retired CPA, and I've never had anything like this happen to me. I did receive a credit card in the mail. This is when I thought something was wrong. I thought XXXX needed to update my card because it was about to expire. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independence Capital Recovery, LLC
State: KY

Complaint narrative:
I have not received any contact from Independence Capital Recovery , LLC. Before! I received a XXXX Summons on XX/XX/XXXX, that was left on a bench on my front porch by someone unknown. I was not aware of this debt, nor is it my debt. I have been dealing with ID theft since XXXX I believe the actions mentioned violate all the rules of debt collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: CA

Complaint narrative:
I am disputing a debt of {$100.00} ( Account ending in XXXX ) being collected by January Technologies on behalf of XXXX. This debt is the result of documented merchant fraud and misdelivery. The carrier 's " Proof of Delivery '' photo shows a plain white door with silver hardware. However, my actual residence has a natural stained-wood door with a hand-carved sailing ship. I provided January Technologies with photographic evidence of this physical discrepancy, but they rejected my dispute without addressing the proof of non-delivery. Furthermore, I have notified the collector of my intent to pursue individual arbitration under Section 30 of the agreement they provided. Despite being on notice of a fraudulent balance and an arbitration claim, they continue to pursue collection in violation of the FDCPA and the California Rosenthal Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Island Portfolios Services, LLC
State: PR

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : Island Portfolio Services LLC Account Number : they did not provide it XXXX Complaint Description : I am submitting this complaint because Island Portfolio Services LLC is illegally reporting a severely time-barred debt to my credit files. This account is over XXXX XXXX XXXX, putting it well beyond the XXXX maximum credit reporting limit governed by the Fair Credit Reporting Act ( FCRA ). Additionally, this debt is past the applicable statute of limitations, making any collection or reporting activity a violation of the Fair Debt Collection Practices Act ( FDCPA ). Because this item is obsolete, it is causing unjustified damage to my credit profile. Moreover i am registered in the do not call list and keep receiving calls and letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I cancelled my phone plan with XXXX, and went into the store and they looked up my account and told me there was no balance and did not owe anything to close the account. Years later i get a paper that i had an outstanding balance that was sent to debt collections i did not know about until the debt collection letter came.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
STATEMENT OF COMPLAINT : This is a formal non-compliance, database failure, and fiduciary escalation complaint against J.P. Morgan & Co. / Chase XXXX Bank for an ongoing processing gap and a refusal to investigate a high-value legacy beneficiary asset. As the Power of Attorney for XXXX XXXX, the sole designated residuary beneficiary of the probated will of XXXX XXXX ( Deceased XX/XX/XXXX ; SSN : XXXX ; DOB : XX/XX/XXXX ; last known domicile : XXXX XXXX XXXX XXXX XXXX XXXX ), I am tracking un-administered, high-value custodial retirement assets historically linked to XXXX XXXX XXXX XXXX XXXX and Principal Financial annuity rollovers from the XXXX. Front-line representatives at this institution continuously issue an immediate verbal or automated " no record '' response based entirely on a standard, surface-level digital terminal search. Because an official cross-check confirms these funds have not been turned over to the State Unclaimed Property divisions of Mississippi or New York, the assets remain held internally by the custodian financial institution. Due to the XXXX time lapse, these specific commercial private equity, annuity, and real estate ledger records are stored on legacy, offline fiduciary systems or physical microfiche vaults. They are completely disconnected from the banks modern daily customer networks, causing automatic, erroneous database blind spots on front-line customer service monitors. By issuing a surface-level digital denial without routing this inquiry to the XXXX XXXX XXXX XXXX ( including historical predecessor corporate trust entities where applicable ), the bank is actively blocking a verified beneficiary. The principal, XXXX XXXX, is present with a modern government-issued ID and SSN card, ready for immediate voice verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing a {$190.00} transaction with XXXX XXXX dated XX/XX/year>. I paid for a routine sole replacement on my shoes. Before service, the shoes fit normally and comfortably. Instead of performing the requested repair, the merchant altered the structure of the shoe by adding an unexpected heel/lift to the sole. This changed the fit and functionality of the shoes and caused my foot to slide unnaturally inside the shoe, making them uncomfortable and difficult to wear. The service performed was not what I requested and materially changed the product. The shoes were returned in a damaged and unsatisfactory condition compared to their original state. These shoes were expensive designer shoes purchased for {$920.00}, and I have the original purchase receipt available as proof of value. The improper repair significantly affected the usability and condition of the shoes. I contacted the merchant directly to request a refund or resolution, but the merchant refused. I have email documentation proving my attempt to resolve the issue directly with the business and their refusal to provide a refund. I filed a dispute with Chase on XX/XX/year> and provided supporting documentation. Chase later contacted me requesting additional information, including whether I had attempted to resolve the matter directly with the merchant. Despite my documentation and explanation, Chase denied the dispute and advised that the required documentation was not provided. I believe the dispute may have been processed under the wrong reason code because this issue involves services not performed as agreed and damage/alteration to my property, rather than a simple dissatisfaction claim. I am requesting that this matter be reviewed again under the appropriate dispute category. I am requesting reimbursement because the service provided was materially different from what was agreed upon and resulted in damage/alteration to the shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has no right to say that we dont do business with me or so and I have to right to legal action and lawsuit against the Chase bank bad behavior by their word and refused to provide sign language interrupter or used on the website and playing. Around with that case and fraud dept wa din wrong doing as well and legal action will be taking to them by my attoney and lawsuit can be processing since I am victim of crime and id theft issued that was going on and accused me for something and mess me up with my bank account and one of rep didnt provide sign language interrupter being discriminatory by their behaviors and that is on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I will put legal action and lawsuit action will be taken then to court for discriminatory by their behavior and same with no hard bank is responsible for their employees and fraud dept is responsible if their wrong doing as being legal action Brit. Taken and they refused to help me out and fraud dept determined wrong way as discrimination by their word

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited XXXX checks totaling {>= $1,000,000} ( {$35.00} XXXX each ) drawn from my trust account. Chase Bank marked the IRS account as " paid '' for XXXX weeks and XXXX days starting in XX/XX/year>, but then changed the status to " unable to process. '' I have sent formal request for digital verification records to chase corporate and their registered agent to prove the initial settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
OK so this is what's happening I discovered in XX/XX/year> that my principal payment was not applied appropriately and I'm concerned that only in the month of XXXX XXXX XX/XX/year> what happened and I need to find out if my principal payments have been applied the last XXXX years appropriately or not appropriately I have discovered since XX/XX/year> my principal payment. They reverse it to a regular payment and then they later on reverse principal back to a regular monthly payment when I told bank it's a principal payment even though I have the written amount tender voucher and written on my check as this payment is for principle. Tried of the poor transitions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Subject : Formal Complaint Against JPMorgan Chase & Co . Unauthorized Credit Card Account ( ending in XXXX ) To : Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against JPMorgan Chase & Co. regarding repeated collection attempts and communications concerning a credit card account ending in XXXX, which I do not recognize and have never authorized. I want to clearly state the following : I have never applied for this credit card I have never signed for it or co-signed for it I have never authorized anyone to open or use an account on my behalf I have no knowledge of this account prior to receiving these communications Despite this, I continue to receive frequent letters, billing statements, and phone calls from Chase Bank demanding payment or addressing this alleged account. This ongoing contact is causing significant distress and confusion, especially since I have no connection to this debt whatsoever. I believe this may be a case of identity misuse, clerical error, or fraudulent account creation, and I am requesting immediate investigation and correction. Requested resolution : Immediate cessation of all collection calls and letters related to this account Full investigation of how this account was opened Written proof of the application, signature, and authorization allegedly tied to me Removal of any reference to this account from my credit file, if applicable Written confirmation that I am not responsible for this account This situation has persisted despite my lack of involvement and is now urgent. I request that the CFPB intervene to ensure this matter is fully investigated and resolved. Please acknowledge receipt of this complaint and inform me of the next steps. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank placed an improper freeze and restriction on my trust and sole proprietorship accounts, blocking a balance of # XXXX as of XXXX XXXX, 2026, alongside a pre-existing balance of approximately {$24000.00} plus. The bank falsely labeled legitimate deposits as fictitious or altered, locked all account access, and blocked authorized federal tax assessment payment to the IRS twice, causing immediate financial harm and statutory penalties. I have exhausted all direct remedies, including sending formal demand packages to Chase corporate and their registered agent, but the bank refuses to release the funds or provide an accounting. Please see the attached uploaded documents for full timelines, certified records, and complete administrative details. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: GA

Complaint narrative:
I have a kick off account I wasnt aware of fully and now they are trying to charge me for a year subscription and i didnt know or was aware now its showing on my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a collection account reported by Kimball Tirey & St. John LLP on behalf of XXXX XXXX XXXX XXXX XXXX. The account was marked as verified without any supporting documentation being provided to me. I was never given an itemized statement of damages, and no proof has been provided that I am responsible for the alleged charges. The balance has increased from {$25000.00} to {$170000.00} without explanation, supporting records, or a judgment. This matter involves a lease dispute during XXXX and unresolved incidents involving building conditions and landlord-controlled access to my unit. Liability is disputed. Despite this, the account continues to be reported with a balance and a dispute notation, indicating it has not been properly validated. I am requesting full validation or immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kornerstone Credit,  LLC.
State: RI

Complaint narrative:
I am formally disputing the accuracy of this account listed on my credit report. Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Interest Type - Date Opened XX/XX/XXXX Status Collection account. {$1800.00} past due as of XXXX XXXX. Status Updated XXXX XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1800.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX The original creditor, KORNERSTONE CREDIT, sold or transferred this alleged debt to XXXX XXXX XXXX. However, the original creditor continues reporting the account to the credit bureaus after the sale/transfer of the debt. I never received proper notification, validation of the debt, or documentation showing that XXXX XXXX XXXX has the legal right to collect this account. I also do not consent to inaccurate, duplicate, or misleading reporting. Under the Fair Credit Reporting Act ( FCRA ), I request a full investigation of this account and ask that you provide : Proof of the original signed agreement Complete payment history Documentation showing the transfer or sale of the debt Proof that XXXX XXXX XXXX is authorized to collect Verification that the information being reported is accurate If this account can not be fully verified, I request that it be removed from my credit report immediately.

Company response to consumer: Untimely response