vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/year>, my friend and I sent payments through to an individual who was later identified as a fraudster operating a rental scam. The payments were made in response to what appeared to be a legitimate apartment listing found online. 

My friend made a payment of {$800.00}, and I made XXXX separate payments of {$400.00} each using JP MORGAN CHASE BANK. The final payment was made on XX/XX/year>. After these payments were sent, the individual continued requesting additional money, which raised concerns. We then realized the listing and transaction were fraudulent. 

We immediately stopped sending funds, gathered all supporting documentation, and filed a police report regarding the scam. We disputed the transactions with Chase Bank, explaining that the payments were sent due to fraud and that a police complaint had already been filed. However, Chase Bank declined to reverse or credit the disputed payments. 

We are now submitting this complaint because Chase Bank has refused to reverse the fraudulent transactions despite clear evidence of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to you to file a dispute regarding a collection account that has been removed from my credit report by XXXX, but still appears on my XXXX  and Equifax reports. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), it is mandated that information reported must be accurate and complete. The removal of the collection by XXXX means that it should no longer appear on the other credit bureaus. 
Therefore, I request the CFPBs intervention to ensure the immediate removal of this collection account from my XXXX and Equifax reports in compliance with the applicable laws. 
Thank you in advance for your prompt attention to this matter, and I look forward to a timely resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BTH Management
State: CA

Complaint narrative:
Plaza Services , LLC is attempting to collect on a charged-off auto title loan without validating lien authority or providing documentation required by the California DMV to clear a vehicle title. 

I requested written confirmation of lien ownership or a lien release so the DMV could process the title. Plaza Services failed to provide lien documentation and instead issued payment demands without addressing lien validation. 

This conduct prevents lawful title resolution and appears inconsistent with fair debt collection and title lien requirements. 

I am requesting regulatory assistance to compel Plaza Services to provide written lien clarification or confirm no lien is held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
On XX/XX/year>, I was approved for a Milestone Mastercard serviced by Concora Credit by mistake. I never activated or used the card. The account shows an annual fee of approximately {$250.00}. I attempted to cancel the account immediately the same day, but the companys customer service phone numbers automatically hang up and I can not reach anyone. Because I am unable to contact them, I can not close the account or stop the fee. I am requesting immediate closure of the account and a full waiver or refund of any fees. I never intended to open, activate, or use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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 — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
My ex husband and I took a loan out with OneMain Financial to assist with starting a business and the costs associated. We got divorced in XX/XX/year> and the judge ordered that my ex husband is to be held responsible for the remaining loan balance. I have contacted the company on several occasions as well as reported it to the three major credit bureaus which there was no resolution for. This is negatively impacting my credit as I try and move on from a XXXX XXXXXXXX situation and start my life fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IN

Complaint narrative:
Company : Discover Issue : Disputed Authorization of Add-on Product, Discover Failure to Produce Proof of Consent, Refund Dispute Complaint Narrative : Discover Bank charged my credit card account for its optional Payment Protection product for many years, since XXXX. Discover has already discontinued and canceled this product only since merging with XXXX XXXX. Cancellation is not in dispute. 

Discover now claims that I authorized Payment Protection via a phone call in XXXX. I categorically dispute that any informed consent was given. 

Discover asserts that this authorization occurred when I opened the account in XXXX when I was approximately XXXX XXXX XXXX. If Discover maintains that I consented at that time, I am requesting proof sufficient to justify all Payment Protection charges from account opening to date. 

Specifically, I am requesting the call recording or verbatim transcript from the call between the agent & myself dated XXXX demonstrating all of the following : -the exact date and time of the call, -agent name or employee identifier from call -communication from the agent that Payment Protection was optional, -communication from the agent re : Payment Protection benefits/how it benefited me as a customer -communication from the agent that the pricing was disclosed as a recurring, balance-based charge of approximately {$0.00} per dollar of balance, -communication from the agent of the realistic annual cost impact of Payment Protection in addition to interest charges, -communication/confirmation that I affirmatively agreed to Payment Protection and the fees it incurred after disclosure of those material terms. 

Absent such documentation, Discover can not establish informed consent- particularly for a product that imposed a substantial, escalating financial burden and continued charging for many years without annual reauthorization. 

The appearance of Payment Protection as a line item on billing statements does not constitute informed or ongoing consent. Silence or inaction, especially from a young consumer, is not authorization for a long-term, high-cost financial product that offered no meaningful benefit relative to its cost. 

Discover has not provided me with enrollment records, recordings, or transcripts supporting its claim of my authorization. If Discover can not produce evidence of informed consent at account opening, then all Payment Protection fees charged since XXXX were unauthorized.

Resolution requested : Production of the call recording or transcript showing informed consent at account opening, or A full refund of all Payment Protection fees charged to my account since the account was opened in XXXX

I am requesting CFPB assistance in requiring Discover to substantiate its claim of authorization or provide full restitution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DEBT VALIDATION DEMAND IMMEDIATE CEASE & DESIST Account : IQ DATA XXXX XXXXXXXX Alleged Amount : {$630.00} To Whom It May Concern, This letter constitutes a formal and timely dispute of the above-referenced alleged debt pursuant to 15 U.S.C. 1692g ( a ) and ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation. 

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a consumer disputes an alleged debt, all collection activity must immediately cease until the debt has been fully validated. This includes, but is not limited to, credit reporting, updating, re-aging, selling, assigning, transferring, or attempting to collect this account. 

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized payment history from the original creditor to present Proof of ownership, including the entire chain of assignment from the original creditor to IQ Data XXXX XXXX XXXX. 

The name and address of the original creditor Proof that IQ Data XXXX XXXX XXXX is properly licensed and authorized to collect debts in the state of XXXX  Documentation proving the accuracy and legal basis of the amount claimed ( including the discrepancy between balances reported ) NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX XXXX  or XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e. 

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, re-age, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX  Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NY

Complaint narrative:
Unifin is texting me and calling me about debt by a number I dont know of and multiple different numbers since XXXX. 


XXXX XXXX XXXX XXXX, they are calling me and have been building up debt before sending mail out making me aware of the fare build up This all started happening once I got a job as if they waited till I had income to make me aware of them building debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
i was trying to make an additional purchase when I realized my account had been tampered with and i also had damages on my report. according to the 15 usc.1681 law there should not be any damages on my report. it is a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I was sent revised payment after requesting a new admiration schedule done to to new insurance. New payment due XX/XX/XXXX {$1400.00}. XX/XX/XXXX went to make payment and the app and the automated message when calling bot still had the old amount of {$2200.00}. I called numerous times to have them correct it they would tell me it would take a week. I called on XX/XX/XXXX still hadnt changed so opted to pay the {$1400.00} on the phone with a customer service rep. Every time I called they would see the statement from XX/XX/XXXX. 
XX/XX/XXXX I received a new statement dated XX/XX/XXXX, didnt receive until XX/XX/XXXX stating due XX/XX/XXXX I owed a new payment of {$1500.00}, now when I called on the XXXX the rep repeated the {$1400.00} due. This statement was sent after the 15 day grace period. 
The app and automated service when calling said I owed {$3000.00} which is XXXX {$1500.00} plus a late fee. 
XXXX received new statement dated XXXX due XXXX on XX/XX/XXXX and when calling today the automated and the app both say I owe {$1500.00}. 
What my issue is I called numerous times to have my payment updated and couldnt seem to do this and also I dont understand how they can send out a new statement for XX/XX/XXXX sent out on XX/XX/XXXX day after grace period and didnt receive till XX/XX/XXXX. Shellpoint did remove the late fee saying due to their error, but I feel they need to eat the {$100.00} that theyre still trying to collect from XX/XX/XXXX payment. 
I asked 3 times to have have a comply made and each rep said they did it, havent heard from anyone. 
I spoke to XXXX XXXX a supervisor and he told me that this wouldnt effect my credit when Im showing a late payment due to theyre error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
On XX/XX/year> an attempt to use the card for cash advance but the transaction was declined. I attempted to solve the issue with the ATM owner, got me no where. 

I attempted to solve the issue with Avant the credit card, twice. The first time someone told me that they did submit a request to refund. No communication happened. 

Second time, they said they opened a dispute claim for no funds received. No communication regarding this case. To this date I have not received anything on my dispute and they seem to pass it over the 60 days notice to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting this complaint as a consumer and a resident of New York State regarding the continued reporting and attempted collection of a time-barred consumer debt by LVNV Funding LLC and XXXX XXXX XXXX XXXX XXXX 

The underlying debt allegedly originated in or around XXXX. Despite this, the debt is currently being reported and collected as follows : LVNV Funding LLC Account opened XX/XX/XXXX, Account status : Open, Reported balance : {$630.00} XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX, Account status : Open Under New York Civil Practice Law and Rules ( CPLR ) 214-i, any action arising out of a consumer credit transaction where a consumer is a defendant must be commenced within three years. The statute further states that once the statute of limitations has expired, any subsequent payment, written or oral affirmation, or other activity on the debt does not revive or extend the limitations period. Because the alleged debt dates back to XXXX, it is time-barred under New York law XXXX 

Despite this, both companies continue to report the debt as open and engage in collection activity, which is misleading and unlawful under both federal and state law. 

FDCPA Violations Under the Fair Debt Collection Practices Act : 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Reporting or attempting to collect a time-barred debt without clear disclosure that it is no longer legally enforceable constitutes a deceptive practice.

15 U.S.C. 1692f prohibits unfair or unconscionable means to collect or attempt to collect a debt. Continuing collection efforts on a debt that can not legally be enforced under state law is unfair and abusive.

FCRA Violations Under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) requires furnishers to provide accurate information to consumer reporting agencies. Reporting a time-barred debt as open and collectible misrepresents the legal status of the account.

15 U.S.C. 1681s-2 ( b ) requires furnishers, upon notice of dispute, to conduct a reasonable investigation and correct or delete information that is inaccurate, misleading, or can not be verified.

Reporting this debt as active and enforceable, when it is legally time-barred under New York law , is materially misleading and has caused ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — VA 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I received an Initial Disclosure for a VA XXXX ( Loan # XXXX ) from Pennymac Loan Services , LLC . After reviewing the documents, I identified significant clerical errors and predatory terms, including a property tax escrow calculation based on 233 months and a 343-month recoupment period. 

On XX/XX/year>, I formally requested a Reasonable Accommodation as a 100 % XXXX veteran to conduct all further negotiations via email. This accommodation is necessary for me to accurately review and document complex financial data at my own pace. 

Despite previously calling me multiple times to discuss loan numbers, the Loan Officer, XXXX XXXX ( XXXX # XXXX ), refused to honor the accommodation. He stated via email that Pennymac was " unable to meet my requests '' only after the formal request for written communication was made. 

This refusal violates : The Fair Housing Act ( FHA ) : By failing to provide a reasonable accommodation necessary for a person with a XXXX to participate in a credit transaction on an equal basis. 

The Equal Credit Opportunity Act ( ECOA ) ( Regulation B ) : By effectively obstructing the application process for a protected class member. 

VA Statutory Requirements ( 38 U.S.C. 3709 ) : The loan fails the " Net Tangible Benefit '' test, as the 343-month recoupment shown on the VA Comparison Statement ( Page 65 ) far exceeds the 36-month federal limit. 

By refusing to communicate in writing, the lender is attempting to force a verbal-only negotiation that hides these non-compliant terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
As of XXXX have been with hold my child court order child support and will not allow me to have access even thought I have them everything they ask for for this account because I lost my card they will not help at all and are holding my funds balance XXXX cents court cash app is putting my XXXX children in financial harm due to them, not allowing me to have access to my account nor my childrens funds they denied me to give them any extra information to verify me when I have proof from XXXX XXXX that thats my account and thats where my funds are going, and even though I told him that they still denied me Ive contacted XXXX XXXX days in a row nonstop and still giving me no solution. Only the fact that theyre going to keep the money that you guys gave my children for child support in an account and I can not touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX 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 2026-01-14 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: U.S. BANCORP
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I am submitting a complaint because US Bank refused to accept my dispute for charges on my account ( XXXX ) related to transactions at XXXX XXXX XXXX  XXXX, GA and XXXX XXXX, after which I experienced severe foodborne illness confirmed by medical documentation. Despite providing a complete evidence chain, including receipts, transaction records, and doctors documentation verifying the illness, the bank rejected my dispute without proper review. 

US Banks refusal prevents me from addressing a legitimate consumer issue and is inconsistent with federal regulations regarding disputes for services not provided as expected. I request that CFPB ensure US Bank : Properly reviews and resolves my dispute ; Provides a written explanation for the initial rejection ; Confirms the timeline for resolution.

The banks refusal has caused financial hardship and stress, as I am unable to recover the disputed charges. I request that this matter be addressed promptly.

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