vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions is currently reporting two medical collection accounts that contain an incorrect Social Security number not mine. I have a recorded voicemail/call in which a Bull City agent explicitly acknowledges that both accounts contain the wrong Social Security number and verbally promises to remove them. That removal has never occurred. Bull City continues reporting both accounts to credit bureaus. Prior to this recording, I sent a written debt validation demand via certified mail on XX/XX/year>, delivered XX/XX/year>. Bull City failed to provide any lawful validation. I filed CFPB Complaint # XXXX on XX/XX/year> closed with no validation provided. I filed CFPB Complaint # XXXX on XX/XX/year> closed, company responded, still no validation provided. Bull City has now had three opportunities to validate this debt and has failed each time. Their own agent has acknowledged on a recorded call that these accounts carry the wrong Social Security number and promised removal. That promise was broken. Continued reporting after that admission is willful violation of the FDCPA and FCRA. I am requesting immediate deletion of both accounts and escalation to the CFPB enforcement division.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Chase Banks handling of a disputed transaction involving XXXX XXXX. I purchased an airline ticket from XXXX XXXX. After my purchase, the airline changed my departure date. Because of this change, I requested a refund from the airline. I initially opened a dispute with Chase but later closed it because I relied on XXXX XXXX representation that a refund would be issued. Unfortunately, I never received the promised refund. When I contacted Chase and asked for assistance, I was informed that they could not reopen the dispute or provide further help. I believe I acted in good faith by relying on the merchants promise of a refund. As a result, I lost the opportunity to continue pursuing the original dispute while waiting for the airline to honor its commitment. I am requesting that Chase review this matter and explain why no further assistance can be provided despite the circumstances. The transaction amount was {$240.00}. I respectfully request that Chase reconsider my case and provide a fair resolution. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
This complaint follows a prior closed CFPB complaint against Onity Mortgage Corporation ( Complaint No. XXXX ) and documents new and continuing violations. On XX/XX/2026, Onity Mortgage Corporation confirmed that my Mortgage Assistance Application ( MAA ) was complete. Based on that determination, the XXXX review period under Regulation X expires on XX/XX/2026. On XX/XX/2026, Onity issued a Mortgage Assistance Decision Letter evaluating my account exclusively under XXXX loan modification programs, both of which were denied. My application, however, was submitted for forbearance assistance. The XX/XX/XXXX Decision Letter did not reference, evaluate, approve, or deny forbearance in any manner. Under 12 C.F.R. 1024.41, a servicer is required to evaluate a complete loss mitigation application for all loss mitigation options available to the borrower. CFPBs official interpretation of Regulation X expressly identifies forbearance as a loss mitigation option. On XX/XX/2026, I submitted a written Request for Information pursuant to 12 C.F.R. 1024.36 seeking information regarding forbearance eligibility, investor restrictions, and any applicable investor or servicing guidelines relied upon by Onity. As of the date of this complaint, I have not received a substantive response. On or about XX/XX/2026, Onity issued correspondence appearing to characterize my appeal letter challenging the XX/XX/XXXX Decision Letter as a new Mortgage Assistance Application submission. I did not submit a new application or new supporting documents. To the extent Onity is treating my appeal correspondence as a new application and attempting to restart the review timeline, such conduct may violate Regulation X. My loan carries a 2 % fixed interest rate and an approximately {$200000.00} balloon payment due in XX/XX/2036. A loan modification could materially alter these terms. For that reason, I have consistently requested evaluation for forbearance rather than modification. As of XX/XX/2026, my online account portal displayed no active loss mitigation options, modification options, or mortgage assistance application links. I respectfully request that the CFPB require Onity to : ( XXXX ) confirm that my complete application date remains XX/XX/2026 ; ( XXXX ) identify whether forbearance was evaluated and, if not, explain why not ; ( 3 ) provide the specific investor guideline or servicing requirement relied upon if Onity contends that forbearance is unavailable ; and ( 4 ) explain why my appeal correspondence was treated as a new Mortgage Assistance Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the closure of my Citi credit card account following a single missed payment. My payment due date was XX/XX/XXXX. I had automatic payments set up to have the account withdraw money. Due to the holiday weekend, the payment was taken out but there was insuffcient funds, and my account was closed immediately thereafter. This was my first missed payment in the history of the account, and I have otherwise maintained a positive payment record. Upon returning from vacation for the holiday weekend I saw that the payment was missed, so I logged in to my account on Tuesday to make a payment and saw that the account was closed. After learning that the account had been closed, I contacted Citi customer service on XX/XX/year> to request that the account be reinstated. I explained that this was an isolated incident and asked whether the account could be reopened. I was informed that the they could not reopen the account because the decision had been determined by the system based off my XXXX XXXX. I asked if I can speak to a supervisor since this was a XXXX off situation. Citi informed me that a supervisor would reach out to me for assistance and I never received any communication from then. I reached out to Citi again today XX/XX/year> since I had not received any follow up. The customer service representatives informed me that they could not help me and were unable to override the decision. I requested escalation and was again advised that no reinstatement was possible. I believe permanently closing the account after a single missed payment, particularly given my prior history and the timing surrounding a holiday weekend, was an excessive action. I made a good-faith effort to resolve the matter directly with the company but was not provided with a meaningful review process. I am requesting that Citi conduct a higher-level review of this decision and consider reinstating the account. If reinstatement is not possible, I request a clear explanation of the basis for the closure and confirmation that the account 's reporting to the credit bureaus accurately reflects my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: McCarthy & Holthus, LLP
State: CO

Complaint narrative:
This complaint concerns the handling of the foreclosure sale of XXXX XXXX XXXX, conducted under Public Trustee Sale No. XXXX. Before the foreclosure sale, I notified XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX Treasurer, and The XXXX XXXX XXXX XXXX I notified all parties that I am the Personal representative for Probate matters for the Estate of XXXX XXXX XXXX, Estate of XXXX XXXX XXXX, and the Estate of XXXX XXXX. XXXX. I provided certified probate documents, recorded ownership documents, and written notice that my fathers separate tenantincommon interest was not encumbered by the XXXX Deed of Trust. All parties were aware yet they proceeded unlawfully. and even ignored my written notice, they issued a Certificate of Purchase claiming 100 % of the property was encumbered, which is false. I am requesting an investigation into the servicing practices, foreclosure process, and conduct that led to this sale, as well as the handling of notices, communications, and statutory obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
" I am filing a complaint against Chase for failing to honor federal billing dispute protections under the Fair Credit Billing Act. I disputed a charge of {$1600.00} for a canceled airline ticket with XXXX XXXX ( Claim ID : XXXX ). XXXX provided defense documentation admitting the flight was canceled and showing they processed a refund. However, XXXX 's own paperwork explicitly proves they routed the refund to an unrelated XXXX XXXX card network ( Routing code : XXXX, ending in XXXX ). I paid with a Chase XXXX ending in XXXX and do not own an XXXX XXXX card. Chase XXXX XXXX personnel are refusing to look at the merchant 's paperwork and claim they ' can not get the funds back, ' effectively forcing me to pay for a canceled service where the refund was sent to a stranger. I require Chase to honor XXXX network rules regarding misrouted credits and permanently credit my account. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX,2026 My account was permanently deactivated when a representative was doing a review and the phone disconnected once off the phone with the representative she deactivated my account and held my money XXXX. Called multiple times and spoke with multiple representatives that tried to help but couldn't. It was my school money and I can't access fund up to 120 days last day XXXX XXXX,2026. Called and filed complaints and disputes won't release my funds sooner and I need it to get school supplies and necessities for myself. And hygiene and food. This is became a problem in my life I believed that this was bank was good but its not to just hold my money just cause is wrong. I have no disputes coming in and no money taking out they just holding it. The company is paypal inc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: LA

Complaint narrative:
I made a purchase through Cash App on XX/XX/year> to a merchant ( FS/ToonBee ) for a digital service. After the purchase, I contacted the merchant because the service was not what was advertised. The merchant responded in writing and confirmed that they would issue a refund. They stated the refund had been forwarded to their accounting department and that I would receive the refund within 2 business days, with funds appearing in XXXX business days. The Amount of the purchase was {$73.00} The refund never arrived. I contacted the merchant again and received no further help. I then contacted Cash App Support and filed a dispute. I provided the written proof showing the merchant promised a refund. Cash App denied the dispute without addressing the evidence. I appealed the decision and again provided the written proof of the refund promise. Cash App denied the appeal as well, again without addressing the documentation. I contacted Cash App Support multiple times, including by phone, but the representatives were unable to help and did not provide clear information. I have made every reasonable attempt to resolve this issue directly with both the merchant and Cash App. The merchant failed to issue the refund they promised, and Cash App failed to properly review the evidence I submitted. I am requesting that Cash App be required to review the documentation and issue the refund that the merchant promised in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: United Financial Service
State: FL

Complaint narrative:
I am disputing the United XXXX XXXX account currently being reported as a charge-off on my credit report. According to my credit report, this account is reporting with a balance of approximately {$7100.00} and is listed as a charge-off with late payments being reported from XXXX. The account was reportedly opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I dispute the accuracy, completeness, and verification of this account. I previously disputed this account and requested proper verification ; however, the account continues to report without sufficient documentation being provided to me. I have not received competent evidence validating the account, including : original signed agreement complete payment history proof of ownership method of verification accurate Date of First Delinquency Additionally, the account reporting appears inconsistent and misleading. The account continues to negatively impact my credit profile despite the lack of proper verification. Under the Fair Credit Reporting Act : FCRA 611 requires the credit bureaus to conduct a reasonable investigation. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information. FCRA 623 ( b ) requires furnishers to investigate disputed information. FCRA 611 ( a ) ( 5 ) ( A ) requires deletion of unverifiable information. FCRA 623 ( a ) ( 5 ) requires accurate reporting of the Date of First Delinquency. I am requesting : A complete investigation of this account Verification of the accuracy of all reported information Copies of documents used to verify the account Immediate deletion if the account can not be fully verified pursuant to federal law The continued reporting of inaccurate or unverifiable information is causing financial harm and negatively affecting my ability to obtain credit. Thank you for your attention to this matter.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding a medical collection account being reported by XXXX XXXX XXXX XXXX in the amount of {$1200.00}. After noticing a significant drop in my credit score, I discovered this collection account on my credit report. The account is associated with services provided at XXXX XXXX XXXX XXXX ( now known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted my health insurance provider, XXXX XXXX, to verify the claim. XXXX XXXX confirmed that the claim was paid in full on XXXX XXXX, XXXX, in the amount of {$1200.00}. They also provided confirmation of payment including check number XXXX, which was cleared. Despite this, the account was still placed for collection and reported as a delinquent balance on my credit report. I never received a bill, notice of outstanding balance, or any debt validation request before the account was sent to collections or reported. Had I been notified of any issue, I would have addressed it immediately. Because the claim was already paid in full by my insurance company, I believe this collection account is inaccurate and should be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Subject : Urgent : U.S. Bank Unlawfully Retaining {$8500.00} of Legitimate Funds and Refusing Disbursal To whom it may concern, I am filing this formal complaint against U.S. Bank for the unlawful withholding and effective confiscation of my personal funds totaling {$8500.00} following an arbitrary account closure. More than two months ago, U.S. Bank closed my account. At the time of the closure, the account held a remaining balance of {$8500.00}. To this date, I have received absolutely no written correspondence, no formal closure letter, and no explanation regarding the status of my funds. When I called U.S. Bank 's customer service and risk department to resolve this and ask for my money, the representatives explicitly told me that the bank would not return my money, would not issue a cashier 's check, and refused to provide any written justification or reasoning for this decision. The funds in my account are 100 % legitimate and belong to me. They consist of peer-to-peer transfers via XXXX. While a financial institution has the right to terminate a business relationship, it does not have the legal authority to permanently seize or withhold a consumer 's funds indefinitely without a court-ordered forfeiture or law enforcement XXXXeizure warrant, neither of which exists in this case. U.S. Bank is essentially holding my money hostage without due process or written explanation. This situation has caused me severe financial distress. I request the CFPBs immediate intervention to compel U.S. Bank to : 1 Immediately release my full balance of {$8500.00} via a cashier 's check mailed to my address on file. 2 Provide a full written disclosure regarding the closure of my account. 3 Cease and desist from reporting any negative or defamatory remarks regarding this automated closure to ChexSystems or Early Warning Services ( EWS ) without proper investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois 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