vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am filing this complaint because Chase is attempting to collect an alleged credit-card debt that I dispute in full as identity theft, that has not been validated, and that Chase was already on notice to stop pursuing. Chase sent me a collection letter dated XX/XX/XXXX for account ending in XXXX, claiming a balance of {$9300.00}. The letter says Action Needed, tells me to contact Chase immediately or pay in full to avoid referral of the account to a law firm for review, gives a deadline of XX/XX/XXXX, and states that it is an attempt to collect a debt. This contact is improper, false, misleading, and abusive. Chase has not validated this alleged debt. Chase has also already been notified that Chase credit-card accounts tied to me were disputed as identity theft. Chase accounts related to this matter were removed from my credit reports, and Chase was notified to cease and desist collection contact. Despite that, Chase is now sending a new pre-legal collection threat as if this debt is valid, collectible, and never disputed. This is not the first time Chase has been placed on notice. In prior CFPB complaint No. XXXX, submitted XX/XX/XXXX, I disputed Chase credit-card account information as identity theft and stated that supporting documents had been provided, including an FTC Identity Theft Affidavit , credit reports showing deletion/removal, and Chase app/internal-account evidence. Chase responded by claiming I was liable because payments were made from a XXXX checking account ending in XXXX. I dispute that reasoning. Payment activity from a bank account does not prove that I knowingly opened, authorized, used, benefited from, or accepted liability for a Chase credit-card account, especially where the account was already disputed as identity theft. I believe Chase is suppressing or ignoring the identity-theft history and prior dispute records. Chase should already know that I dispute these accounts, that I do not accept liability, and that continued collection contact after identity-theft notice and cease-and-desist notice is improper. Instead of validating the alleged debt or explaining the connection between account ending XXXX and the previously disputed Chase accounts, Chase sent a pressure letter threatening referral to a law firm. I dispute this alleged debt in full. I did not open, authorize, use, benefit from, or accept liability for this Chase account. I demand that Chase stop all collection activity, stop contacting me about this alleged debt, stop any law-firm referral, stop any third-party placement, and not reinsert or report this account to any credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I made a payment for my First Access Credit Card, and it posted on their site on XX/XX/XXXX. Normally, when a payment is made via a checking account, it takes a few days for the credit to be available. This payment was for the full amount of XXXX dollars, which is my limit, and they have not updated my available credit. They claim that since it was such a large amount, I would have to prove it is my bank account before the restriction would be available. I have now sent them bank statements showing the amounts cleared by both fax and email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but still no resolution. Each time I call, they claim I have to wait until the " back office '' looks at it before they will release the funds. We are now 18 days later, and I still do not have my available credit, and I dont feel they want to resolve this matter since I have called them on at least five different occasions, including speaking to supervisors.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted merchant to review options to changes a current paid and confirm flight. The merchant request a credit card to confirm flight availability and sent approved email with account number that any charges would be fully credited to my credit account. I did not accept any flight changes and accepted that charges on my card would be fully credited. My billing statements did not show the credit and I disputed the charges with my Synchrony credit card, amount of {$1500.00}. I spoke to Synchrony customer representative and they agreed with my assessment of this issue and the back-up documentation. Each month I received notice from Synchrony that credit was not approved. I mailed all documentation and detail letters to Synchrony bank XXXX, USPS return receipt. Just received notice XX/XX/XXXX from Synchrony that credit again was not approved and I will need to pay the full merchant 's charge, plus interest from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am submitting this complaint regarding the handling of my mortgage assistance and loss mitigation review by XXXX XXXX Onity Mortgage regarding my property located in XXXX, Ohio. I requested detailed information regarding the denial of mortgage assistance and specifically requested the investor guidelines and basis for denial of additional loss mitigation options. In response dated XX/XX/XXXX, the servicer stated only that : - my loan had allegedly been modified in XXXX by a prior servicer, - the investor allegedly permits only one modification over the life of the loan, - and therefore no additional modification options were available. However, the servicer failed to provide : 1. The identity of the actual investor/owner of the loan ; 2. The specific investor guideline or policy relied upon ; 3. Documentation supporting the claim that only one modification is permitted ; 4. A complete explanation of the loss mitigation review performed ; 5. The calculations or evaluation used to determine denial ; 6. Information regarding whether all available foreclosure prevention alternatives were reviewed. The response was vague, conclusory, and did not meaningfully address my request for information. The servicer also stated that the investor guidelines are proprietary and internal, which appears to be an improper refusal to provide information necessary for me to understand and challenge the denial decision. Additionally, the response references a denial from XX/XX/XXXX, despite updated hardship circumstances and ongoing communications regarding mortgage assistance. I am requesting that CFPB require the servicer to : - identify the current investor/owner of the loan ; - provide the specific guideline relied upon for denial ; - provide a complete accounting of all loss mitigation options reviewed ; - provide servicing notes and review documentation ; - confirm whether the review complied with applicable RESPA / Regulation X requirements ; - and conduct a proper and complete review of all available foreclosure prevention options. I also request investigation into whether the servicer failed to adequately respond to a Request for Information and whether the denial review was conducted in compliance with federal mortgage servicing regulations.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems of the Fox Valley, Inc.
State: TX

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: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am requesting executive review of my XXXX XXXX credit card account administered by Comenity Bank/Bread Financial . Last month, I missed a payment because statements were being sent to an incorrect mailing address. Once I became aware of the issue, I immediately paid the balance and the late fee was reversed as a courtesy. As a result of that experience, I switched my account to paperless billing, in part because a fee was being charged for mailed statements. Unfortunately, this month I did not see the electronic statement because it was routed to my spam folder. I was then assessed approximately {$50.00} in additional late fees. I contacted customer service seeking assistance and was advised that I would need to submit a written dispute to a P.O. Box. Meanwhile, I am attempting to make payment promptly to avoid any negative impact to my credit history. I have otherwise made good-faith efforts to keep this account current and resolve issues immediately once identified. Given the circumstances and recent account changes, I respectfully request : Reversal of the recent late fees Assurance that no negative credit reporting will occur related to these incidents Review of the communication and billing notification process on the account I would appreciate escalation of this matter to the appropriate executive customer relations team for review. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request that a security freeze be placed on my credit report. This request is being made to protect my personal information from potential identity theft or unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc.
State: FL

Complaint narrative:
I am a driver for the rideshare app Lyft, and I use the XXXX XXXX card and app to receive my daily earnings. On Friday, XX/XX/XXXX, I attempted to withdraw {$160.00} from an ATM located at the XXXX store on XXXX XXXX in XXXX. The ATM spent some time processing the transaction, then informed me that the operation could not be completed and issued a receipt stating that no cash had been dispensed. I then attempted a second withdrawal for {$150.00}, and the exact same thing happened. Afterward, I checked my account within the XXXX XXXX app and discovered that the funds * had * indeed been deducted. I filed a dispute, attaching the two ATM receipts as proof ; however, to this daydespite filing multiple follow-up claimsI have yet to receive even a single response, let alone have the money returned to my account. I urgently need the {$160.00} that was debited from my account to be refunded so that I can access those funds. I require a response and insist that they stop evading or ignoring me, especially since they impose a 10-day window for filing disputes ; I do not want to reach the end of that period without a response, only to be told that it is too late to file a claim because the stipulated time limit has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, I received a credit reporting alert that there was a new collection account added to my XXXX Credit report for a " XXXX XXXX XXXX ''. The account number listed on the credit report is XXXX * *. It does not include the full account number. The total amount for the collection account is {$3400.00} for an alleged debt to XXXX XXXX XXXX. Because I have not received any communication whatsoever from this organization, I resorted to looking up the company to attempt to get in contact with them. Through the XXXX, I was able to trace the company back to a " McDonnell & Associates, LLC '' which has a long history of gross collection practices including threatening with non-existent lawsuits. A few months ago, I received a call for this same alleged debt stating that they were " preparing to send me court documents '' although I don't remember the name of the company that they were with. I asked them for some type of paperwork or validation that they had of the debt and they said that " it will be shown during discovery ''. There were other " charges '' that they were claiming were being brought against me such as bank fraud and others. After requesting validation, they never sent it and I never heard from them again. I suspect they are the same company. To date, I have not received any disclosures or anything of the sort before this item appeared on my credit report. This includes both by email, regular mail or even via the courts. I was not given the ability to rectify this before it appeared on my reports. I have taken great strides in improving my credit over the years and this has put a significant damper on that.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Dakota Financial, LLC
State: TX

Complaint narrative:
Dakota financial is charging me a higher amount for the XXXX property tax. I reached out to the XXXX XXXX tax office and they provided a different amount for my specific truck then what Dakota Financial is assessing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On [ Approximate Date of Purchase ], I purchased a XXXX XXXX XXXX via XXXX for {$1400.00} using my Apple Card. The item arrived with the rear window completely shattereda dangerous condition that renders the item " not as described. '' I provided photographic evidence of the damage and a {$500.00} receipt for the glass repair I was forced to pay out-of-pocket. I have attempted to resolve this dispute with Goldman Sachs four separate times. The banks most recent denial ( XX/XX/XXXX ) was based on a " failure to return the item. '' However, shipping an item containing thousands of shards of shattered tempered glass is a severe safety hazard to myself and carrier employees, and violates the safety policies of major shipping carriers. The bank is in violation of the Fair Credit Billing Act ( FCBA ), 12 CFR 1026.13, which requires a " reasonable investigation. '' Demanding the return of hazardous, shattered glass as a condition for a refund is an unreasonable barrier and does not constitute a good-faith investigation. Furthermore, this mirrors the systemic failures in Apple Card dispute handling identified in the XXXX XX/XX/XXXX Consent Order ( File No. XXXX ) against Goldman Sachs. The bank is continuing to sidestep its legal obligations to protect consumers from paying for damaged goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
The reported balance of {$9200.00} is inflated and contains documented inaccuracies specifically the XX/XX/2019 rent charged simultaneously with a {$3400.00} buy-out fee ( overlapping charges for the same period ). Move-out damage charges totaling ~ {$790.00} XXXX not comply with XXXX Statutes XXXX procedural requirements ( certified-mail notice within 30 days ). The underlying debt is from XXXX and falls outside XXXX 's XXXX statute of limitations under F.S. 95.11 ( 2 ) ( b ). The original missed payment was a single month of rent in XX/XX/2019, during a documented medical emergency requiring my fianc 's hospitalization. I have made multiple good-faith settlement attempts. XXXX has refused to discuss any resolution. Request specific outcome : deletion of the tradeline from my Experian credit report or substantial reduction of the reported balance to reflect documented concerns.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was selling my sofa set on XXXX XXXX. I was DMed by XXXX XXXX saying his was was interested and gave me the number. I messaged the number XXXX and her name was XXXX XXXX. She said she sent me XXXX XXXX so XXXX held it because she sent it from bussiness account to my personal account and this is common. I got an email from zelle saying the amount is held and asked me to call XXXX. Within a sec after I got this email I got a call from a man impersonating XXXX agent saying buyer has to send XXXX $ then they can give me money. He said I need to return the XXXX $ and I did return it through XXXX then he sent yet another message from XXXX that for security reason my transaction has not gone through and I need give my XXXX details that's when it clicked that I was getting scammed as buyer XXXX $ was not reflected into my account.the money was not sent from my account till then so I was about to cancel the transaction but before I could press cancel the money had left my account.I immediately contacted XXXX XXXX via there official phone number spoke to customer care to directed me to speak to my bank agent ( BOfA ) XXXX from XXXX told me the money has not reached the buyer yet it can be intercepted they will take this seriously.i contacted XXXX and bank with in XXXX sec the transaction that went through.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : Request for Reinvestigation and Deletion of Inaccurate Account Reporting To Whom It May Concern : I am writing to dispute inaccurate and inconsistent information appearing on my Equifax consumer report pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i ( a ). The account being disputed is : XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX After reviewing my consumer report, I identified several inconsistencies and incomplete reporting elements that raise concerns regarding the accuracy and verifiability of this tradeline. The inaccuracies include : XXXX XXXX XXXX XXXX Equifax reports a {$0.00} XXXX XXXX, while XXXX reports a {$14000.00} credit limit for the same account. Inconsistent Date Opened Equifax reports the account opened on XX/XX/year>, while XXXX reports XX/XX/year>. Conflicting Account Comments and Status Language The reporting descriptions differ significantly between bureaus, creating concerns regarding reliability and furnishing accuracy. Questionable Delinquency/Payment History Reporting The payment history reflected does not appear consistent with the alleged charge-off progression and may be incomplete or inaccurate. Potential Incomplete Furnishing Data The account reports 0 terms despite allegedly being a revolving credit account. Because this information appears inaccurate, incomplete, misleading, and/or unverifiable, I request that Equifax conduct a reasonable reinvestigation of this account. If the furnisher can not verify the account with complete and accurate documentation, I request deletion of the account from my consumer file. Additionally, please provide : The method of verification The name and address of the data furnisher Supporting documentation used to verify the account Complete payment history records Any signed contractual documents associated with this account Please complete the investigation within the statutory timeframe required by the FCRA. Please note that reporting inaccurate, incomplete, or misleading information after notice of dispute XXXX constitute negligent or willful noncompliance under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief