vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX, 2026 I was involved in a major scam. I was preyed upon and taken advantage of when I had no sleep for 4 days due to an emergency XXXX XXXX situation with my XXXX that involved police, a XXXX XXXX, and a no contact order placed on my husband. We shared a home, a bank account, and a car so this was very traumatizing and life changing for us and our son. I was driving to work and got a call from Navy Federal Credit Union ( my bank ). It had their caller ID and was the same phone number as on the back of my debit card. It started the same as any usual phone call from them asking about a suspicious charge I did not make. I told them I did not make the {$400.00} charge at XXXX that I had been in the hospital. They then proceeded to say they needed to do a security sweep and send me a new card. I told them me and my XXXX can XXXX XXXX XXXX XXXX so I have to be able to go at that moment and get my money out in cash before any card of mine is cancelled. They were pushy, so that is why I was standing in line at navy federal during this call. The line was out the door at navy federal so I just stayed inside while having them on the phone. They said my XXXX XXXX be trying to kick me out of our account. They asked if I had XXXX XXXX and tried to ease my mind, saying XXXX XXXX is insured by XXXX XXXXederal. They had me move all of my money to XXXX XXXX, they said it would be quicker to do this than to get my cash out at the bank, since I was waiting in line for a long time and my XXXX might have me kicked off the account before then. again, if I wasnt in an extreme state of mind at the time, this wouldve never occurred. But due to the nature of the navy federal phone number and caller ID, running on XXXX and 0 sleep taking care of my baby alone, I was not thinking straight. By the time I transferred my money to XXXX XXXX, it was gone. Navy federal tried to help me fix it for XXXX hours in person with them. They eventually said cash app was my only hope to get it fixed. I filed a claim through XXXX XXXX, and they gave me an email stating where my money went. It was a random debit card through XXXX bank where the scammer deposited my money to themselves. XXXX XXXX said there was nothing they can do besides giving me XXXX XXXX contact info. Of course I could not find that particular banks customer service or get any help with it. I am now out {$2100.00} and it has ruined me. I cant care for my child or myself, and this scam shouldve never happened. I did not know scammers could hack my banks phone number and caller ID. I have spoken both to XXXX XXXX and navy federal so many times about help with this. I can not get it. I need any help with any other organizations for just one sliver of hope in this nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am disputing a rental-purchase agreement with Acima Leasing related to a transaction on XX/XX/year> through a tire retailer in XXXX XXXX XXXX Texas. At the time of the transaction, the agreement was not clearly explained as a lease. I was told I could pay for the tires over time and that approximately six months of payments would satisfy the obligation. I later discovered the agreement required significantly higher total payments. The lease documentation contains an incorrect name ( XXXX instead of the correct legal name ), and the agreement was completed electronically. The company has refused to provide verification data such as IP address or authentication records to confirm proper execution of the agreement. After beginning payments, the balance reflected amounts exceeding {$3000.00}, which did not align with what was explained at the time of purchase. I contacted the company multiple times and received inconsistent information. At one point, I was told I could close the account for approximately {$300.00}. After being told to wait for a supervisor and following up, I was told there was no record of prior calls and the payoff amount had increased significantly ( approximately {$1600.00} ), preventing me from exercising the earlier option. I continued making payments due to concern about potential credit impact and have paid approximately {$2400.00} toward merchandise valued at approximately {$1300.00}. I formally disputed the account and revoked authorization for automatic payments. The company acknowledged stopping payments but denied the dispute, refused to provide call records, and declined to continue addressing the issue in writing. Despite the dispute, the company has continued collection activity through repeated phone calls, emails, and text messages. They have also presented inconsistent balances and settlement offers ( including approximately {$930.00}, {$410.00}, {$150.00}, and {$300.00} ) within a short period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On or about XXXX XXXX, 2026, I called into Rocket Mortgage, who services my loan, to perform an escrow analysis and remove off the escrow of my loan. XXXX indicated they have submitted for escrow to be removed and refund check of my escrow in addition to refund of my property taxes that I paid directly. On XXXX XXXX, 2026, I called back into Rocket Mortgage asking for an update on the removal of my escrow. They indicated my insurance was expired, when in fact it was not and I had provided proof of insurance showing zero lapse. On XXXX XXXX, 2026, I called again and they said they will need time to analyze and they will call me back in XXXX business days. On XXXX XXXX, 2026, I called Rocket again asking them to remove off escrow, and they said there is no notation of me providing proof of insurance and they will have to submit another ticket. I asked to be transferred to a supervisor to file a formal complaint. Rocket has proven to violate all my rights as a borrower, and provided me false information regarding my escrow and that they are working to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I filled my XXXX Buyback on XX/XX/year>, my servicer is XXXX, I have heard nothing since then and am requesting an update and/or to have my request processed. Case number is # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Unauthorized transactions occurred on my account. The first card was never received by me. When I was made aware of the fraudulent transactions I requested a new card and made multiple attempts to have the funds returned with no success. Date ( s ) of Unauthorized Transactions : XX/XX/year> {$200.00} XX/XX/year> {$200.00} XX/XX/year> {$100.00} XX/XX/year> {$1.00} XX/XX/year> {$1.00} XX/XX/year> {$9.00} XX/XX/year> {$190.00} XX/XX/year> {$25.00} Total {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime is my back up debit card account and I dont often log in. Yesterday I was using my account to send myself {$150.00} dollars from my XXXX XXXX and when went to transfer it into main checking account with XXXX bank when I noticed a unauthorized instant transfer of {$100.00} dollars made on Monday XXXX, XXXX to XXXX XXXX. At this moment, I also noticed unauthorized attempts of using my card that were made within the past few months. I called chime customer relations and they were unable to assist me as their solution was to request funds back which I did but unsuccessfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX : {$6.00}, {$180.00} XX/XX/XXXX : {$1.00}, {$260.00}, {$170.00}, {$220.00}, {$260.00}, {$120.00} XX/XX/XXXX : {$210.00} 9 total charges all in a 3 day time span. My bank has stated that first dispute they sent me by bank statement. Once I called and spoke to a representative Monday XX/XX/XXXX I was told the transaction occurred on a mobile device. Then XX/XX/XXXX the second dispute team said my physical card or chip was inserted but my card is on my person in North Carolina. All these transactions took place in XXXX and XXXX. The dispute for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was {$220.00} at XXXX on XX/XX/XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX was {$260.00} on XX/XX/XXXX less than XXXX mins apart. The XXXX XXXX Il restaurant closes at XXXX XXXX and my card information was not charged until XXXX XXXX. When I contacted the company they told me that there is no way possible that this could have occurred because their store is closed and never had a total for that amount. USAA continues to tell me they dont see a fraud on my account because there is no way that a card can be duplicated with a chip.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I am submitting this complaint as an employee of a business that is being incorrectly identified on credit card transactions associated with Citibank. We don't have a Citibank account. That is the account of the transactions involved though. For over one year, our business website and phone number has been appearing on customer credit card statements for charges that we did not process, authorize, or receive. As a result, we receive multiple calls each month from individuals who believe we charged their account. These calls are frequently hostile and include profanity and verbal abuse directed at staff. This issue has caused ongoing disruption to our business operations, reputational harm, and significant distress to employees who are required to answer these calls. We have attempted to contact Citibank directly to report and resolve this issue. However, we have been unable to reach the appropriate department. Calls are routed through automated systems requiring account information we do not have, and repeated transfers have not resulted in resolution. We are not affiliated with these charges in any way. This appears to be a merchant descriptor or billing identification error within Citibanks system or one of its payment processors. We are requesting that Citibank investigate and correct the incorrect merchant descriptor immediately to prevent further harm to our business and staff. I would be happy to provide more information about our information and the correct information It seems to be a merchant descriptor/billing identification error within their system or a connected payment processor.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
SoFi is unfortunately XXXX! Ive been waiting a month or XXXX business days to have a supervisor put me on hold for a hour and a half this morning once they came into work at XXXX est only to mumble and fumble. This is a scam, there is a reason they dont have any customer service dept, or any response time or emergency help or retail chain stores or banks with live people to help those in need and those that cant access their own money for months? Or be supplied a physical debit card? What a nightmare! Cant close because of negative balance but everyday wake up to checks waiting to be processed along with disputes and returns but no accountability!! Pathetic

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2026-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I have sent verification letter and method of verification but I have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
I am filing a complaint against LoanDepot regarding the improper withholding of funds from my escrow account following the payoff of my mortgage loan. My loan with LoanDepot was fully paid off on XX/XX/year>. As part of the payoff, I am owed a remaining escrow balance of {$4900.00}. However, despite the loan being satisfied, LoanDepot continues to hold these funds and has failed to provide a clear or consistent timeline for when they will be returned. Since the payoff date, I have made multiple attempts to contact LoanDepot to obtain information about the status of my escrow refund. Each time, I have received inconsistent or vague responses, with no definitive explanation for the delay or firm commitment on when I will receive my funds. This lack of transparency and accountability is unacceptable. To date, I have not received my escrow balance, nor have I been given a valid reason for the delay. Holding these funds without justification places an unnecessary financial burden on me and raises concerns about XXXX compliance with applicable regulations regarding timely escrow refunds after loan payoff. I am requesting that LoanDepot : Immediately release my escrow balance of {$4900.00}. Provide a clear explanation for the delay. Confirm in writing the date the funds will be returned. I also request that the CFPB investigate this matter to ensure LoanDepot is complying with all federal regulations related to escrow account handling and borrower refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
MID ATLANTIC is falsely reporting on my credit. I have never had any accounts with them. Per my research MID ATLANTIC 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
VANCE & HUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
Company said they would remove this off my credit reports. I paid it and it is still showing on XXXX of the reports. It showed on XXXX after I already paid it and hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I desputed this with XXXX and XXXX in XXXX of XXXX, XXXX and XX/XX/XXXXXXXX amount XXXX. The credit Bureaus fail to validate debt with accuracy and ownership. I am being violated because of their failure to validate according to to sections 15 US 16:81

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
A person obtained access to my bank account and used it, among other things, to pay someone else 's credit card in the following amounts and ( charged on or about ) XX/XX/XXXXXXXX {$490.00} {$390.00} {$340.00}, {$570.00} and {$530.00}. These charges were disputed on or about XX/XX/XXXX. Concorra credit has not reversed those charges and they reversals remain " provisional '' as of this date. These payments were clearly fraudulent and other charges with other companies were immediately reversed. My bank, XXXX, can not clear these fraudulent charges and finish closing the account until Concorra accedes to the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding the failure of JPMorgan Chase Bank to release funds belonging to my organization after the closure of my business checking account. I opened a business checking account for my organization in XX/XX/XXXX2025 and deposited funds into the account. The account balance included approximately {$40000.00}. In or around XXXX 2025, I was overseas and attempted to access the account for normal operational expenses. At that time, I discovered the account had been closed by the bank. Since the closure, Chase Bank has failed to return the remaining balance of {$40000.00} belonging to my organization ( Claim No. XXXX ). I have made multiple attempts to resolve this matter and recover the funds. In or around XXXX XXXX, XXXX, I received a Declaration of Lost Check from the bank. I completed, notarized, and returned the document as instructed. I was informed that once the declaration was received, a replacement check would be issued promptly. However, despite submitting all required documentation, I have not received the funds. The continued withholding of these funds has caused significant disruption to my organizations operations, including cancellation of services, loss of subscriptions required for business operations, and interruption of normal business activities. Due to the prolonged delay, I have also been personally impacted financially, as I have had to use personal savings to cover operational expenses, including employee compensation, over an extended period. I am requesting the immediate release of the full {$40000.00} or a clear written explanation and resolution timeline. I am submitting this complaint prior to initiating formal legal action if the matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft involving multiple fraudulent credit card accounts, including an XXXX XXXX issued by XXXX XXXX and accounts with American Express. I have submitted an FTC Identity Theft Report and a police report. Despite this, these accounts continue to be reported and have repeatedly been verified as accurate. I did not apply for or authorize any of these accounts. I did not receive any notifications, emails, or alerts regarding the XXXX XXXX account, and I did not authorize any use of my identity or any device to open accounts on my behalf. This indicates unauthorized use of my identity and possibly unauthorized access to my personal or account information. I have formally requested a block under Section 605B of the Fair Credit Reporting Act with the credit bureaus. These accounts continue to be reported despite my request, which is causing harm to my credit and financial standing. The continued verification of these fraudulent accounts suggests an inadequate or unreasonable investigation. The fraudulent American Express accounts include account numbers ending in XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief