vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I paid XXXX to my loan on XX/XX/year>. I realized in XXXX that the reason I was being told there were no payments due that the reason was because my overpayments were not applied to principal. Even after my request, I emailed XX/XX/year> asking for it to be corrected. It was never corrected and now I have been charged interest for XXXX months worth of the funds I already paid. I continued to have no payments due until recently. I was advised to look into this and have discovered what I described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau hold Jefferson Capital Systems responsible for inaccurate and misleading credit reporting. Jefferson Capital Systems is currently reporting JEFFCAPSYS Account XXXX. XXXX Charge-Off {$360.00} on my credit report with XXXX and XXXX, even though I do not recognize this account and never received written notice of this alleged debt before it was placed on my credit report. Under FDCPA 809 ( a ), a debt collector is required to send written notice of the debt and the consumers rights within XXXX days of the initial communication, which never occurred in my case. Additionally, Jefferson Capital Systems is a collection agency, yet they are reporting this account as a charge-off, which is an accounting action typically taken by the original creditor, not a third-party debt collector. This raises serious concerns regarding the accuracy of the reporting and compliance with XXXX XXXX reporting standards, which require information furnished to credit bureaus to be accurate, complete, and properly categorized. I requested proper validation of this alleged debt, including documentation identifying the original creditor, a complete itemized accounting of the balance, proof that I am legally responsible for the debt, a copy of the original contract or credit agreement, documentation showing Jefferson Capital has the legal right to collect the debt, and the date of first delinquency. Despite these requests, Jefferson Capital Systems continues reporting the account without providing the required documentation. Because of these violations, I have already filed a complaint with the Federal Trade Commission and the State Attorney General, and I am now asking the CFPB to investigate Jefferson Capital Systems for violations of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) and 1681e ( b ) ), the Fair Debt Collection Practices Act ( FDCPA 809 ), and XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC ( also operating as or through Resurgent Capital Services L.P. ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ). For several years, LVNV/Resurgent has attempted to collect on alleged accounts that I do not recognize and for which I have no contractual relationship with them. They have never provided a written validation notice as required by FDCPA 1692g ( a ), either in their initial communication or within 5 days thereafter. This notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement of my dispute rights. Despite multiple written and verbal requests for debt validationincluding proof of the original debt, chain of title/assignments from the original creditor, account statements, and any contract or application bearing my signatureLVNV/Resurgent has failed to provide adequate verification. They have not ceased collection activities as required under FDCPA 1692g ( b ) after my timely disputes. LVNV/Resurgent continues to contact me via repeated telephone calls from various numbers and area codes, often refusing to provide meaningful information when asked and engaging in what appears to be harassing conduct in violation of FDCPA 1692d ( harassment or abuse, including repeated calls to annoy/abuse ). On my credit reports ( XXXX XXXX XXXX XXXX LVNV is inaccurately reporting themselves as the " original creditor '' for these accounts, when they are a debt buyer/collector with no original contract or direct relationship to me. This misrepresentation violates FDCPA 1692e ( false or misleading representations about the character, amount, or legal status of the debt ) and FCRA requirements for accurate furnishing. Additionally, they appear to be re-aging these accounts by reporting them as " newly opened '' within the last year ( or similar recent dates ), which improperly resets the date of first delinquency and extends negative reporting beyond the 7-year limit under FCRA 1681c. This deceptive practice damages my credit and violates FDCPA 1692e and FCRA accuracy obligations. I have no knowledge of or agreement to these alleged debts, and LVNV/Resurgent has not produced sufficient evidence to substantiate their claims or right to collect. Their ongoing collection efforts, credit reporting inaccuracies, and failure to validate despite repeated demands have caused me significant harm, including credit damage and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX FILED A CASE IN THE COURTS FOR MONEY OWED TO WASHINGTON MUTUAL CREDIT CARD THAT WAS OPENED IN MY NAME WHICH I HAVE NEVER HAD SUCH ACCOUNT IN WHICH SOMEONE ELSE COMITTED FRAUD IN OPENING SAID ACCOUNT IN MY NAME AND NOW XXXX XXXX IS GOING AFTER ME FOR THE AMOUNT OF XXXX AND ALL THIS GOES BACK TO XX/XX/year> AND NOW IM JUST KNOWING ABOUT THIS CAUSE I NEVER RECIEVED ANY DOCUMENTS ON THIS MATTER TILL NOW AFTER MY BANK ACCOUNT WAS GARNISHED IN THE AMOUNT OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On Friday I viewed my XXXX and a charge came through from a company I worked with and cancelled the subscription in 2024. This company does have current credit card number but was allowed to be charged to my card by bsnkof americ and mastercard. I did contact the company but they say they are investigating but the amount is on my card. Then today another company that I canceled the subscription billed me with out having my current credit card number and that company is refunding but that takes 10-20 days. It seems my card is being fraudenly bring charged by XXXX XXXX. Those companies should be contacting me to get me new credit card number to verify .. that way I could catch fraudulent charges on my CC without the hassle of me contacting the company and waiting OR contacting XXXX XXXX XXXX which I have now been on hold over an hour.

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 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding the reporting of an account associated with Upstart Network , Inc. that is currently appearing on my credit report. I previously disputed this account and requested written validation and documentation verifying the accuracy of the information being reported to the credit bureaus. Specifically, I requested documentation supporting the debt, including verification of the account and supporting records demonstrating that the information being reported is accurate. Despite my written requests, Upstart has not provided the requested documentation. Instead, their responses have directed me to call them by phone rather than providing the validation and documentation I requested in writing. This has prevented me from receiving proper documentation or a clear explanation regarding the account being reported. Additionally, I contacted Crown Asset Management regarding this matter, and they indicated that they are not reporting this account. This creates further confusion regarding the accuracy of the reporting and the party responsible for furnishing the information. Because the account continues to be reported despite my requests for verification and despite conflicting information regarding who is reporting the account, I am requesting that this matter be properly investigated. If the information can not be fully verified with appropriate documentation, I request that the account be corrected or removed from my credit report. This issue is particularly urgent because I am currently in the process of preparing for a mortgage and inaccurate or unverified reporting is negatively impacting my credit profile. I am requesting a thorough investigation and appropriate correction of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CT

Complaint narrative:
I requested validation of a XXXX debt that has been sold multiple times. 1. The Chain of Title : Documented proof of every sale of this debt from XXXX to Jefferson Capital . 2. The Original Contract : A copy of the agreement bearing my signature. 3. Itemization : A breakdown of how a debt that has been sold multiple times remained exactly {$240.00} without unauthorized fees. Jefferson Capital failed to provide the contract or the chain of title proving they own the debt. They are reporting unverified information on my credit report in violation of the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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:
I am filing this complaint against National Credit Systems , Inc. regarding an alleged collection account being reported on my credit report ( Account Name : NATLCRSYS, Account Number : XXXX, Balance : {$10000.00} ). I never received the required initial written notice of this debt before it was placed on my credit report, which raises serious concerns regarding compliance with federal consumer protection laws. After discovering this account, I immediately submitted a dispute requesting proper validation of the alleged debt. Despite these requests being made well over 90 days ago, National Credit Systems has failed to provide any documentation validating that this debt is accurate, legally collectible, or that they have the authority to collect it. This company is widely known for similar complaints, and it is easy to find numerous reports online describing the same practices of reporting alleged debts without proper validation. Because of this, I am calling on the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General to investigate National Credit Systems and hold this company accountable. Consumers should not have to fight to receive documentation that federal law already requires. In 2026, consumers have access to information through XXXX and AI tools and understand exactly what proper debt validation requires, yet this company continues reporting alleged debts without providing any of the required documentation. Proper validation of a collection account must include documentation such as : Name and address of the original creditor The original account number A signed contract or agreement establishing the obligation A complete itemized payment history showing how the balance of {$10000.00} was calculated Documentation proving legal ownership or assignment of the debt to National Credit Systems Copies of the original billing statements establishing the alleged obligation Documentation verifying the account is being reported accurately under XXXX XXXX reporting standards National Credit Systems has failed to provide any of this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
CFPB Complaint Draft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/2026 ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Complaint Regarding Uncredited Cash Back Rewards - U.S. Bank Account ending in XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against U.S. Bank regarding their refusal to honor the promotional cash back rewards on my credit card, account ending in XXXX. The Dispute : My U.S. Bank credit card offers an additional XXXX % cash back ( for a total of XXXX % ) on chosen Bonus Categories, which I had set to " Department Stores. '' I recently made a qualifying purchase online at XXXX XXXX ( listed on my statement as XXXX XXXX XXXX ). After the transaction posted, U.S. Bank failed to award the XXXX % bonus cash back. When I inquired about the missing rewards, I received a letter dated XX/XX/2026, from a XXXX XXXX Representative named XXXX XXXX, stating that my cash back was denied because the merchant coded as " Direct Marketing - Combination Catalog and Retail Merchants '' rather than a Department XXXX. My Argument : XXXX XXXX is universally recognized as XXXX of the largest and most well-known department stores in the United States . As a consumer, I made this purchase in good faith, reasonably expecting that a purchase from a major department store would qualify for the " Department Stores '' bonus category. U.S. Bank 's defense that they " can't control how merchants classify their businesses '' places an unfair burden on the consumer. Customers do not have access to backend XXXX XXXX Codes ( XXXX ) prior to making a purchase. It is deceptive to heavily market a XXXX % " Department Store '' category, only to rely on technical, behind-the-scenes coding discrepancies to deny rewards for purchases made at obvious, household-name department stores. Desired Resolution : I am requesting that U.S. Bank honor the spirit of their rewards program by manually crediting the missing XXXX % bonus cash back for my XXXX XXXX transaction ( s ) to my account. Furthermore, U.S. Bank should update their internal systems to ensure that major department stores like XXXX XXXX trigger the correct rewards, regardless of whether the purchase was made in-store or through their official online storefront. I have enclosed a copy of the denial letter I received from U.S. Bank for your reference. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX : * Copy of the U.S. Bank letter dated 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 explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Capital One credit card in XXXX after applying through a link that advertised a {$200.00} promotional bonus after spending {$500.00}. The application page first asked me to check if I was prequalified, and I was informed that I was prequalified before completing the application. I opened the account and met the required {$500.00} spending requirement by the second week of XXXX. When the reward did not appear, I contacted Capital One in XXXX and was told that the promotional bonus could take time to post and that I should wait until XXXX. After the reward still did not appear, I contacted Capital One again on XX/XX/XXXX to ask about the status. I was transferred to another department and a case was opened. Capital One sent me a letter ( on XX/XX/XXXX ) stating that my account does not qualify for the promotional bonus based on the product terms, but the letter does not explain the specific reason for the denial. I called today, XX/XX/XXXX. During a phone call, I was later told the bonus only applies to customers approved for the excellent credit version of the card. This condition was not clearly disclosed during the pre-qualification or application process when the {$200.00} promotional offer was presented. This distinction was not clearly explained during the application process, especially since I applied through the prequalification link and was told I was prequalified before applying. I completed the spending requirement based on the advertised promotion and was never informed that approval under a different credit tier would make me ineligible for the bonus. I am requesting that Capital One honor the {$200.00} promotional bonus or provide an appropriate resolution, since I applied for the card and completed the required spending based on the advertised promotional offer. I relied on the promotional offer when deciding to open the account and complete the required spending. If eligibility for the bonus depended on approval under a specific credit tier, that condition was not clearly disclosed during the pre-qualification or application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Chime Financial Inc
State: VA

Complaint narrative:
I do not bank with Chime, but have been the victim of many fraudulent transactions from Chime. I have contacted my bank to dispute, but the issue comes from Chime who does NOTHING when I report the transactions to them. I give any and all information they would need, but they never search to determine who is charging my card. They push me back to my bank. I do believe that if they were to at least look into their members or flag accounts a lot of this wouldnt take place. They also NEVER want to accept a chargeback even though the charge is completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
In XXXX of XXXX I got divorced and a few months later a house I was awarded in the divorce was quit claim deeded to me by my former spouse. Both of our names were on the mortgage. Last summer Mr. Cooper bought the mortgage from XXXX XXXX XXXX Just after the purchase of the mortgage by Mr. Cooper, I began working on removing my former spouses name from the loan. I tried multiple times to get paperwork for a release of liability for my former spouse over the phone with Mr. Cooper representatives and, despite their assurance that I would receive the paperwork, Mr. Cooper continued to send letters denying the request claiming what I was asking would require an assumption of the loan and refinancing. According to the Garn St. Germain Act and the RESPA act which work together to protect divorcees from having to refinance in the case of divorce. When one persons name just needs to be removed from a mortgage and if the remaining person can qualify for the loan, the acts say the remaining loan holder should be able to take it on. Therefore, what I am asking for is not an assumption so I took a further step and on XX/XX/XXXX I sent a letter to Mr. Cooper reminding them of these laws of protection and asking them to please send the paperwork for release of liability so I could continue on to prove I qualify for the loan. Mr. Cooper again sent a letter of denial and acted like I am trying to let a third party assume the loan. After more failed attempts to resolve the issue over the phone in XXXX of XXXX I sent two certified letters to two different departments at Mr. Cooper letting them know I would take further action if they didnt let me move forward with the release of liability and qualifying for taking on the loan on my own. Mr. Cooper again sent a letter of denial, and they never even acknowledge the fact that I am on the loan ; they always talk to me like I am asking for some third-party loan assumption. I am currently a XXXX XXXX of two wonderful children with a full-time job and I manage rental properties on the side. I do a good job of providing for my children and should not have to work so hard to reclaim the mortgage i already hold and pay for. I currently pay the mortgage on this property with no issues and have for the last year and a half. Can you help me move forward and resolve this issue with XXXX XXXX refusal to allow me to remove my formers spouses name from my loan and be given the opportunity to prove to them that I am qualified to assume the loan alone?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Collection agency illegally acquiring Debt not belonging to me and harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation