vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
XX/XX/year>. Tried getting into my account online and see I am blocked from accessing it, Called the number listed on their online page XXXX XX/XX/year> and again in XXXX XX/XX/year>. 
Both times they refused help to service my loan and give me a way to fax/send release of lis pendens. Asked for an attorney to contact them. 
XXXX XX/XX/year> called the attorney XXXX XXXX to contact them to let XXXX XXXX/Rocket Mortgage know that the lis pendens been released. 
Contact number shown on my mortgage co online page - XXXX XXXX number of XXXX XXXX on release of lis pendens from Superior Ct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had checks signed to me and BOA would clear the checks then unclear it later. Put my account negative and closed my account. Was unfair and the checks I had was all clean and legit.like. XXXX all added from all the checks

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 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am experiencing recurring unauthorized withdrawals from my Bank of America checking account by a merchant listed as : XXXX * XXXX XXXX, FL These charges are recurring and were never authorized by me. 

Each time I contact Bank of America, they cancel and replace my debit card, but the charges continue the following month. This indicates that the withdrawal is an ACH debit linked to my bank account, not just the card number. 

I attempted to contact the merchant directly, but all email addresses returned as undeliverable. 
The merchant appears to have no valid customer service or cancellation process. 

I requested that Bank of America place a permanent merchant-level ACH block / stop payment for this unauthorized recurring debit, but the issue has not been fully resolved. 

I am requesting : 1. A permanent ACH stop payment / merchant block for XXXX * XXXX for any amount 2. A refund of the unauthorized recurring charges 3. Assurance that no future withdrawals from this merchant will occur I am filing this complaint because the recurring unauthorized debits continue despite multiple contacts with the bank.

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX  , Pa XXXX XXXX XXXX XXXXI am a victim of very elaborate financial scam XXXXThis is theft by deception XXXX  did wire my money as instructed by aka XXXX XXXX XXXX to the account of XXXX XXXX XXXX   from XXXX  , California  , XXXXXXXX XXXX XXXX XXXX XXXX to her bank account at JP Morgan Chase account number  XXXX XXXX  did wire to her money as I was instructed from my accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a criminal , she is money launderer , she stole my entire retirement amount XXXX XXXX dollars XXXXI did report this theft to FBI in XXXX  XXXXI am XXXX  years old , I did retire and I lost all my retirement account to this criminals XXXXI had to return to work to pay my bills .'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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 received a letter in the mail from this XXXX XXXX company regarding a XXXX account. I never had a dispute with XXXX, or any past due accounts. I checked all of my credit reports and there is not XXXX account associated with this company. I believe this is a scam, as I am a victim of fraudulent accounts being opened in my name. I checked on the official XXXX XXXX website, and I used the information provided to me and there was no account found in my name. I want this company to leave me alone, and to remove my name from this fake Debt Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I have been trying to pay off my home and they are telling me a different amount than what I owe, I have all original paperwork work and they have initiated a 11 month extension that I never approved and they holding my home hostage unless I pay these extra fees, which they can not show any paperwork to me for any such modifications. Further more they want me to pay interest in full amount of loan without any regard to a early 31 mont payoff. I wonder how many people, they get away with this tactic

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am currently paying them because i thought i had to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/year> To Whom It May Concern, This letter serves as formal notice that you must immediately cease and desist from any and all actions that involve the publication, distribution, or promotion of false, defamatory, harassing, or otherwise harmful statements or content concerning me and/or my business on social media or any other platform.

Your actions, including but not limited to, are unlawful and have caused reputational and personal harm. 

You are hereby directed to : XXXX. Immediately stop posting, sharing, or engaging in any such content. 
XXXX. Remove any existing posts, comments, images, or messages referencing me that are false, misleading, or harassing. 
XXXX. Refrain from any further contact or communication with me, directly or indirectly. 

Failure to comply with this demand may result in further action, including but not limited to reporting your conduct to the relevant platform ( s ) and pursuing legal remedies available under applicable law, without further notice. 

This letter is sent without prejudice to my rights and claims, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: Credit Control, LLC
State: FL

Complaint narrative:
this company is infringing on my rights by providing misleading, false, deceptive tactics.

Ive already tried to solve this but they continue to infringe on my rights. For at least violation listed Im entitled to XXXX . They must either compensate or remove these accounts 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am disputing an inaccurate collection account that is currently appearing on my Credit Karma report under the name XXXX XXXX XXXX. 

This account has already been removed from my official credit report and does not appear on the XXXX  website, which indicates that the information being displayed on Credit Karma is inaccurate and outdated. and showing an open balance Account Details : - Creditor : XXXX XXXX XXXX - Reported Balance : {$740.00} - Account Type : Collection Account - Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure the accuracy of information reported. I am requesting immediate removal of this account from my Credit Karma report or written verification showing why it is still being reported. 

Please provide written confirmation once this matter has been corrected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover continues to assert liability for a credit card account I never authorized, despite unassailable evidence disproving the sole reason cited for their no fraud determination. They have failed to treat the account as unauthorized, threatened to report inaccurate information on my credit report, made hostile demands for IRS Consent form XXXX, and vaguely referenced problems with my affidavit, despite multiple verbal reviews with representatives who never indicated any issue or concern. 

While this complaint focuses on evidentiary letters from XXXX XXXX, Discover has long had access to additional strong evidence, each further corroborating that this account was unauthorized from inception. Collectively, this collection of verifiable evidence establishes a clear pattern of identity theft, all of which was ignored in favor of a single weaker payment record. The attached letters alone are sufficient to wholly disprove Discovers sole stated rationale for assigning liability to me based on that XXXX unauthorized charge. 

Discovers finding of no fraud was based on a payment from my personal checking account to a Discover Card account balance I did not know existed. When I saw the suspicious charge from Discover on my bank statement, I disputed it immediately because I do not now and never have had a Discover card. XXXX XXXX investigated, reversed the transaction, and issued an official letter stating : Reason for Return : You did not authorize the company to debit your account. The payment was reversed on XX/XX/year>, prior to Discover notifying me that the account existed ( on XX/XX/XXXX ), meaning Discover had or should have had notice that the payment it later relied upon as evidence of my connection was proven to be invalid before citing it as their sole basis for deciding against my interests. After I later appealed the decision and reasserted my identity theft claim to Discover, a fraud representative ( XXXX, Ohio ) emphasized that documentary confirmation from my bank addressing that unauthorized payment would be highly relevant. I submitted XXXX XXXX XXXX letters confirming the payment was unauthorized and reversed. Despite this conclusive third-party evidence, Discover continued to assert liability, failed to treat the account as unauthorized from inception despite my never having possession or control of the card, disregarded strong evidence already in its possession, shifted the burden of investigation onto the victim, and continued adverse actions and irregular demands. 

While prior XXXX requests are not the focus of this complaint, they provide additional context regarding Discovers repeated failure to accommodate a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
They say I owe them {$3100.00} dollars. I ask them to present me a copy of the contract. They are not a known past creditor! They never produced any copies of any contracts.The company is called Jefferson Capital Systems LLC out Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTSTAR MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Ive had ongoing communication issues with this company. They are receiving payments for my mortgage, and after receipt, they send them to the actual loan servicer. Every single month, they are sending my payment late and incurring me late fees. Today is XX/XX/XXXX, Ive had now made two payments that they provided receipts for and the money is nowhere to be found. Ive asked for tracking, Ive asked for proof, and they havent provided anything but showing a payment was sent. However, according to them, after losing my check a second time, they didnt take any preventative measures like tracking the payment, or tracking the mailed check. They go weeks without unanswered calls or emails. The only reason why I got a response from their manager last week, was due to me writing a bad review on their page and threatening to take further action. I was also told they would reimburse all the late fees, provided statements and transaction history, and now they dont want to reimburse me for anything. Without mentioning they have now lost two payments that I made on time, and now Im about to be 60 days late on my mortgage. I will also have this payment reported on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This company has called me everyday, has told me that Im going to jail if I don't pay this debt. Then I was told that they were going to sue me and then I was called a XXXX and then was told that I was got to be deported, when I told them I was a US citizen they told me that I was a liar. Then another caller told me that I should go XXXX XXXX XXXX since I can't pay the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX From Western Shamrock Finace at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX called my employer requesting to speak to me. Number she called is not a personal line its a customer service line. I returned the phone call on XX/XX/XXXX At XXXX and spoke to XXXX advising her that they are calling my employer and that is not a personal line and I cant receive personal calls. I asked her verbally on the call not to call anymore and she followed to tell me that they wont and they will continue calling. I told her Im verbally letting her know not to and she disregarded my request. They have continued calling my employer on XX/XX/XXXX XXXX called speaking to another employee letting them know thy were speaking to me and I hanged up on them, They are jeopardizing my work calling in stating things that are not true. I also questioned XXXX on XX/XX/XXXX when I spoke to her about the hard credit check that they did in XX/XX/XXXX because I did not authorize it. Her response was that they have the right to run it to check if there is any changes on the credit. I know my credit should not be ran unless I authorize it, this is a legal action that can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I apply a online loan from XXXX XXXX but this company is charging me a large amount repayment fee. I can't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
This had happened in my old account XXXX which the unwanted transaction and purchases occurred under the name of XXXX XXXX. She purchased and transactions happened downstates where I don't live. I live in Alaska and I never gave permission to anyone to use my account. I don't know how much money ae had taken from my old account which Global Credit Union can't find in there data system and can't pull out my old accounts past statements under the name of XXXX XXXX who stole money from my account. Second person is XXXX XXXX who fraud that said he was going to help get me an order and never came. I transferred to his account in the past he never send me the order he said he was going to help me. Made an excuse about his truck being messed up and that he couldn't help me out. I tried telling him to transfer my money back and he blocked and ghosted me after. Would appreciate if I can get my all my money back from these 2 scam artist. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a Capital One, Pottery Barn credit card that I used to purchase furniture for a new home. After several successful transactions and payments, I was contacted by a Capital One Fraud Dept. representative. They told me my account was frozen and we had to confirm my bank accounts to reinstate my card. In order to do this, the Capital One representative called my banks call center to confirm my account. In order to confirm my identity, my bank had to ask for my nonpublic personal information to confirm my identity. The Capital One representative, on a recorded line, listened to and recorded my nonpublic, personal identification information. They then attempted to call my previously established banks call center whom stated we can not have you provide this information with an unrelated third party on the line. 

When I realized what just occurred, I asked to speak to the Capital One representatives supervisor. A supervisor got on the call and stated this was the only way to reactivate my card. They then stated my only other option was to send them a copy of my full bank statement. This made me even more uncomfortable. I called back the next day to speak to a supervisor and was given the same response. 

My account remains frozen and Capital One will not accept payments or allow new transactions. Capital One was able to confirm the new ( second account ) account we added but insisted on confirming the existing account I have used for years to make my payments before reactivating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustrating they are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigation not a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation