vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I am filing this complaint because XXXX failed to properly provide debt validation after I submitted a dispute regarding an alleged XXXX account appearing on my credit report. I specifically requested debt validation in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Instead of providing documentation verifying the debt, XXXX responded only with a statement that the item was verified as accurate and that other information has also changed. No supporting evidence, no documentation from the furnisher, and no proof of the alleged debt were provided to me.Attached is their response dated XX/XX/year> XXXX- I C SYSTEMS A proper reinvestigation requires more than a cursory verification. I was not provided with any documentation confirming : The original contract or agreement with XXXX Proof that I am the responsible party for the debt A full itemization of the alleged balance The chain of ownership showing how the debt was transferred or sold to any collection agency In addition, another collection agency has attempted to collect or report a similar XXXX-related debt, raising serious concerns about duplicate reporting, inconsistent ownership, or improper re-reporting of the same alleged obligation. This situation suggests that the reinvestigation conducted was incomplete and not compliant with FCRA requirements. Simply marking the account as verified without providing verifiable evidence does not meet the standard of reasonable investigation required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an unauthorized hard inquiry that remains on my credit report despite being disputed. I disputed this inquiry with the credit bureau, and it was verified the same day. This raises serious concerns that no reasonable investigation was conducted, as required under the Fair Credit Reporting Act ( FCRA ). I was not provided with any documentation showing that I authorized this inquiry or that the company had a permissible purpose to access my credit file. I am formally requesting the following : Proof of authorization for this inquiry, including any application, signature, or electronic authorization ( IP address, timestamp, or device information ). Documentation demonstrating permissible purpose under the FCRA. The method of verification used by the credit bureau, including how the investigation was conducted and who was contacted. If this documentation can not be provided, this inquiry must be removed immediately from my credit report. Additionally, a related account ( XXXX XXXX ) has already been removed from my credit file due to failure to verify. This raises further concerns about the accuracy and validity of remaining reporting connected to this matter. The failure to conduct a reasonable investigation and the continued reporting of an unverified inquiry may constitute violations of the FCRA. I request that this matter be investigated thoroughly and resolved promptly. Desired Resolution : Immediate removal of the unauthorized inquiry from my credit report Written confirmation of deletion Full documentation of investigation results I expect compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am disputing because this debt is being recycled to bypass my rights. I have previously notified the debt owner ( XXXX XXXX ) that I am judgment proof ( unemployed, no assets ) and have invoked my Cease and Desist rights under the FDCPA and California Rosenthal Act ( see Complaint ID XXXX ). Transferring the debt to Credit Control LLC after already disputing harassment for the previous two collectors for XXXX XXXX is a bad-faith tactic to restart the daily harassment I previously experienced via debt recycling. I demand XXXX XXXX XXXX and their associated cease all contact immediately.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FORMAL COMPLAINT : FAILURE TO HONOR STATE XXXX DISCHARGE TO : JPMorgan Chase Bank , N.A . XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) DATE : XX/XX/year> RE : Account ending in [ Last XXXX Digits of Your Account ] URGENCY : CRITICAL IMMINENT EVICTION AND REPOSSESSION I. Statement of Fact I am filing this formal complaint against JPMorgan Chase Bank for its ongoing refusal to honor multiple legal discharge notices issued by the Rhode Island XXXX XXXX XXXX XXXX XXXX. Despite direct communication from a state enforcement agent, Chase continues to hold my funds based on a technical date discrepancy in their automated system, causing a total collapse of my financial stability and the welfare of my family. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact : Agent : XXXXXXXX XXXX XXXXXXXX, Child Support Enforcement Agent XXXX Office : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX Phone : XXXX | Email : XXXX Bank Department Involved : Department : J.P. Morgan Chase Bank XXXX Orders and Levies Department Phone : XXXX XXXX. Timeline of Events & Administrative Failure XX/XX/year> : The Rhode Island XXXX XXXX XXXX XXXX XXXX officially XXXX the XXXX on my account. XX/XX/XXXX XX/XX/year> : XXXX separate discharge notices were transmitted to Chase Bank. Each document explicitly requested the release of any and all liens. Direct Escalation : XXXX XXXX XXXX. XXXX contacted the Chase XXXX Orders and XXXX Department directly to verbally verify the discharge. The bank refused to act, stating they would not honor the document because the automated form references a XX/XX/XXXX date, while the banks internal system updated the lien on XX/XX/XXXX. Stalemate : XXXX XXXX has confirmed that the discharge is intended to satisfy all current holds. Chase Bank has refused to perform a manual override or accept the state agents written and verbal confirmation, effectively ignoring a legal mandate from a state agency. IV. Evidence of Severe Hardship As a direct result of Chase Banks refusal to release my funds, I am currently facing : Imminent Eviction : Rent is unpaid for XXXX ; I am currently facing the loss of housing for myself and my son. Vehicle Repossession : My car insurance is at risk of cancellation. A lapse in coverage will trigger a default on my auto loan and immediate repossession. Loss of Income : The loss of my vehicle will result in the immediate loss of my employment. XXXX XXXX : I have my son full-time and have been stripped of the ability to provide basic necessities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$120000.00} USD via XXXX ( XXXX ) intended for XXXX XXXX. The funds were transmitted through the XXXX domestic ACH network ( Trace XXXX XXXX ) and have been held by XXXX XXXX ( XXXX : XXXX ) for over 60 days.Key Evidence and Facts : Recall Instruction Defied : The originating bank ( XXXX ) formally confirmed in writing on XX/XX/year>, that they issued a formal Recall Instruction to XXXX XXXX. Despite XXXX XXXX having sole authority over these funds, they have failed to return them to the originator.Lack of Proof : XXXX XXXX has failed to provide a valid Payment Advice containing a XXXX XXXX message to prove the funds were ever sent to XXXX XXXX.Bad Faith Conduct : XXXX XXXX has completely ignored XXXX direct inquiries from me while misrepresenting the status to the originator bank.Desired Resolution & Damages : I demand the immediate execution of the Return to Originator ( XXXX ) for the full principal amount of {$120000.00} USD. Furthermore, due to the XXXX unlawful detention of my assets and the bank 's defiance of the originator 's recall order, I am seeking : Interest on the principal for the entire holding period.Full compensation for any financial loss caused by exchange rate fluctuations during this delay.A formal explanation and apology for the severe mental distress caused by their professional negligence and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, XXXX XXXX opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
They are trying to collect a debt that I did not make. I have explained this to them a number of times that I am a victim of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, XXXX XXXX opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
So i started will XXXX XXXX and i was always XXXX month ahead on my mortgage and had no problems will XXXX XXXX, they sold the loan to XXXX XXXX and my XXXX was pretty bad and did not pay out on my overages on my escrow account and I was still XXXX month ahead, in XXXX XXXX XXXX agreed to pay me out XXXX and XXXX in my overages. Now in XXXX rocket mortgage bought XXXX XXXX. I have asked several times a month for the past XXXX months to fix my escrow account, and they still have not done it they are charging me too much, they XXXXant seem to apply my XXXX in overages from XXXX XXXX and now i am not longer a month ahead. I asked for the terms in XXXX they bought the loan, my atomization schedule going back XXXX years and all my payments to the load over past XXXX years and in XXXX months they just hang up on me and provide just last few months, they are required t o keep XXXX to XXXX years and every time i call its another story, this is not fair and not good customer service and its just not fair they XXXX XXXX and rocket mortgage have stolen my money and will not help me fix it or provide the information i requested for the past XXXX months and they just play games and treat me like trash. Further more they charge a XXXX fee that i never agreed to and XXXX in mortgage insurance i never agreed to that increase either and i requested to remove PMI I have reached 80 % loan-to-value ( XXXX ) i was never late in XXXX years history and they still have not removed that either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I experienced the theft of all of my crypto currency from my home computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: MS

Complaint narrative:
I am filing a complaint against a debt collector who contacted me regarding an alleged debt from over XXXX years ago related to XXXX. This was the first time I have ever been contacted about this matter. The individual left a voicemail stating that I had committed fraud and that the matter could be considered a felony if I did not respond. The tone of the message was threatening and intimidating. I was told that I needed to pay money or face serious legal consequences. I was not provided with any written validation of the debt, nor was I given clear information about the original creditor or the amount owed before being threatened. To my knowledge, this alleged debt is over XXXX XXXX XXXX, which may make it beyond the statute of limitations in Mississippi. Despite this, the caller used threats of criminal charges and urgency to pressure me into payment. I believe this behavior violates the Fair Debt Collection Practices Act, including : * Making false threats of criminal prosecution * Using abusive or threatening language * Failing to provide proper validation of the debt I am requesting an investigation into this company and that they cease all improper contact with me. I can provide the voicemail and any additional details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I visited a Bank of America branch in XXXX ( XXXX XXXX XXXX XXXX ) GA to resolve a credit card account issue. I waited for over 60 minutes requesting to speak directly with a branch manager. However, the manager refused to meet with me and instead communicated through a junior staff member using an XXXX. During this interaction, the staff member repeatedly stated that the branch had no authority over credit card-related matters and could not assist me in any way. Before accepting this statement, I explicitly asked for confirmation and warned that I would rely on the accuracy of that information. The staff member confirmed their statement with certainty. Based on my understanding and subsequent verification with a banking professional, this information was misleading. While branches may not directly control credit card decisions, they are responsible for facilitating communication, escalation, or proper guidance to the appropriate department. The refusal of the branch manager to meet with me, combined with the delivery of inaccurate or incomplete information through an intermediary, prevented me from receiving proper assistance and caused unnecessary delay and frustration. This behavior raises serious concerns regarding : - Customer service standards - Accountability of branch management - Transparency in handling customer issues I am requesting a formal review of this incident, including : 1. Why the branch manager refused to meet with a customer after a prolonged wait 2. Why incorrect or misleading information was provided 3. What corrective actions will be taken to prevent similar incidents I am not only seeking resolution for my case, but also accountability to ensure that other customers are not treated in the same manner.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
On XXXX I traded my XXXX XXXX lease to XXXX of XXXX XXXX in XXXX XXXX, Maryland XXXX XXXX is procrastinating in connecting with a local XXXX dealership to pay off my 2025 XXXX trade in ; which will allow the XXXX dealership to submit the payoff to XXXX XXXX services for XXXX of my title. In addition, my XXXX XXXX lease payment is currently due today XX/XX/XXXX, and Acuras refusal to coordinate the payoff payment to a local XXXX dealership will affect my 100 % on time payment history with XXXX XXXX. Most importantly, I have 100 % XXXX XXXX license plates, and need to replace XXXX dealership temporary tags ; with my XXXX veterans tags, and permanent registration seamlessly already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened complaint XXXX in order to resolve purchase protection claim. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
The executed lease payment calculation appears to show that the {$520.00} amount already includes capitalized taxes because those taxes were embedded in the adjusted capitalized cost before the monthly lease payment was calculated. If HFS is servicing the lease under Pennsylvania tax treatment, then the capitalized Illinois tax amount should be removed from the lease balance first, and Pennsylvania tax should be applied properly on a monthly basis. HFS should not be permitted to use a payment structure that already includes capitalized tax and then add Pennsylvania tax or other charges on top of it. Using the disclosed lease figures, it is mathematically impossible to reach a payment of approximately {$570.00} unless HFS is adding undisclosed charges, reintroducing unauthorized fees, or taxing a payment amount that already includes capitalized taxes. In other words, the {$570.00} figure can only be explained by hidden fees, improper add-ons, or double taxation. I have repeatedly asked HFS to correct the account and provide a complete explanation, but HFS has not provided a clear reconciliation or identified the controlling contract it is relying on. This is especially concerning because HFS appears to have or rely on more than one version of the lease contract with inconsistent figures. HFS, continues to falsely claim that the fluctuation in my payments is due to where the car is being garaged, but that makes no sense because my car was garaged at the same place from inception of the lease until now. Both XXXX and XXXX have the same tax requirements so there show be now change if the taxes unwound and recalculated correctly. HFS should not be allowed to continue billing under Illinois tax logic while simultaneously servicing the lease under Pennsylvania tax requirements without a full recalculation, correction, and refund of overcharges.

Company response to consumer: Closed with explanation