vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Complaint against JPMorgan Chase Bank, N.A. I am filing this complaint regarding the handling of a credit card dispute by JPMorgan Chase ( case # XXXX ) involving an unauthorized charge of approximately {$4600.00}. I did not authorize, approve, or participate in this transaction. The charge is not consistent with my normal account activity, and I reported it promptly upon discovery. As soon as I noticed the suspicious activity, I immediately locked and secured my credit card to prevent further unauthorized use. Despite this, additional unauthorized attempts were still made on the card. I also received information indicating that my card details were used on XXXX, and there were attempts or activity showing usage associated with Texas, which I do not recognize or have any connection to. During the investigation, Chase requested that I provide documentation from my email provider (XXXX ) showing that my email account may have been compromised. I made a good-faith effort to obtain this information by contacting XXXXXXXX XXXX XXXX . However, the provider does not offer customers access to detailed login records, IP logs, or written confirmation of suspicious activity, and I was unable to obtain any documentation despite my efforts. Chase is effectively requiring third-party documentation that is not reasonably available to consumers of this email service. My inability to provide this specific documentation is due to the limitations of the provider, not a lack of cooperation on my part. Under the Fair Credit Billing Act, I understand that I am not responsible for unauthorized credit card charges and that the issuer is required to conduct a reasonable investigation. I am concerned that my claim may be denied or unfairly evaluated based solely on my inability to provide documentation that is not available to me. I am requesting that Chase conduct a fair and reasonable investigation based on the available evidence and the facts that : - I did not authorize this transaction- I reported it immediately and secured my account- I observed further unauthorized activity attempts after locking my card- I attempted in good faith to obtain all requested documentation, but it is not available from my email provider I am asking for the unauthorized charge to be removed and for my account to be credited accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: WY

Complaint narrative:
I took a loan {$450.00}. I agreed to a payment plan of {$110.00} but was not told about the interest %. I have paid {$680.00}. I called the company and was told that I am paying the principal and exactly {$1.00} from my payments are going to my loan. This is outrageous and highly unfair.

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 2026-05-04 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: Dave Operating, LLC
State: ME

Complaint narrative:
Dave Checking Account ( Acct XXXX, XXXX XXXX XXXX XXXX XXXX XXXX processor ) denied all my disputes for unauthorized electronic fund transfers totaling {$1700.00}. Disputed transactions ( from attached XX/XX/XXXX & XX/XX/XXXX statements ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA : XX/XX/XXXX {$430.00} ; XX/XX/XXXX {$320.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$95.00} ; XX/XX/XXXX {$150.00} & {$40.00} ; XX/XX/XXXX {$13.00} ( and others ) XXXX XXXX : XX/XX/XXXX Sent Money {$250.00} + Balance Add {$10.00} ; XX/XX/XXXX Sent Money {$200.00} On XX/XX/XXXX I filed XXXX XXXX PD Report # XXXX after my ex-partner XXXX XXXX stole my wallet, debit cards, and mobile wallet and made these unauthorized transactions. I submitted the police report, sworn affidavits, full statements, and 110-page evidence packet to Dave Support on XX/XX/XXXX and again on XX/XX/XXXX ( Request XXXX ). DaveXXXX denied every dispute without providing security logs, IP/device/geolocation data, or any evidence of authorization. This violates Regulation E ( EFTA ). They must investigate unauthorized EFTs and issue provisional credit within 10 business days. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
In XXXX i was involved in a wreck which was totaled out by the car insurance i had at the time & XXXX paid the remaining amount theyre still trying to collect over {$6000.00} that i dont owe. Proof attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i'm not liable for this debt with XXXX XXXX XXXX and XXXX XXXX, i don't have a contract with XXXX XXXX XXXX and XXXX XXXX, they did not provide me with the original contract as i requested

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
b'Account number XXXX\nI.C. SYSTEM, INC\nBalance updated XXXX XXXX XXXXnBalance\n$XXXX\nOriginal balance\nOriginal creditor\nXXXX XXXX XXXX\nDate opened\nXXXX XXXX XXXX XXXX XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
This account has been disputed, yet the furnisher continues to report it without providing adequate verification. I am requesting documentation proving I am legally obligated to this debt, including a signed agreement. If such documentation can not be provided, this account must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
CFPB Complaint ( Auto Credit of Virginia ) Company name : Auto Credit of Virginia Issue : Incorrect balance/ continued collection on repossessed vehicle Complaint : I am filing a complaint against Auto Credit of Virginia regarding an auto loan account that was voluntarily repossessed over four years ago. After the repossession, the vehicle was sold. However, the company continues to add charges and increase the balance on the account without providing proper explanation or documentation. I have not received a clear, itemized breakdown showing how the remaining balance was calculated after the sale of the vehicle. Despite the repossession and sale, the balance continues to grow, which I believe is inaccurate and unfair. I am requesting the following : A full itemized statement showing the remaining balance after the vehicle was sold Documentation of the sale price of the vehicle Explanation of any additional fees or charges added after repossession Correction or removal of any inaccurate balance If the company can not provide proper documentation supporting the balance, I request that the account be corrected or removed entirely.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding an account that was improperly sent to collections by my former apartment complex. On or about XX/XX/2024, I had a written agreement with XXXX XXXX XXXX stating that if I returned the keys and vacated the unit, they would not send any balance to collections. I fulfilled my part of the agreement by returning the keys on XX/XX/2024 and vacating the property as agreed. Despite this, the apartment complex violated the agreement and sent the alleged debt to a third-party collection agency. This action is inaccurate and unfair because it directly contradicts the written agreement between myself and the apartment complex. As a result, this has negatively impacted my credit and caused financial and emotional stress. I am requesting : * Immediate removal of this account from collections * Deletion of any negative credit reporting related to this account * Written confirmation that the balance is resolved and no longer owed I have documentation supporting my claim, including the written agreement and proof that I returned the keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
This account is reporting inconsistent payment history, including unknown and derogatory entries that do not accurately reflect my payment record. I am requesting full verification of all reported data, including complete payment history and account status. If this can not be verified, I request removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. Please provide the following information : 1. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 2. * * Details of the debt * * ; A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 3. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 4. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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:
In or around XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to my mortgage servicer requesting information regarding my mortgage account, including a complete payment history, escrow accounting, and clarification of an amortization document I received. The servicer acknowledged receipt of my request but failed to provide a full substantive response within the time required under RESPA. Specifically, I requested documentation related to an amortization schedule that incorrectly referenced a Rule of 78s and a 36-month loan term. These terms do not apply to my mortgage, which has a fixed interest rate of 2.000 % and a maturity date of XX/XX/year>. This raised serious concerns about the accuracy of my account records. In addition, the servicer issued an escrow analysis claiming a shortage of approximately {$4200.00}. However, there were no increases in my property taxes or insurance premiums, and I requested documentation to support how this shortage was calculated. I did not receive the requested payment history, escrow ledger, or supporting documentation. On XX/XX/year>, I sent a follow-up Final Notice letter demanding a response and giving the servicer an additional 10 business days to comply. The servicer has still not provided a substantive response. As a result, I am concerned that my account may be inaccurately maintained, and that the servicer has failed to properly respond to my requests for information and correction.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I was contacted by Linebarger Goggan Blair and Sampson LLP about a debt that I owe the XXXX XXXX XXXX XXXX XXXX which was vague. They included a link for me to make a payment for an unknown amount. I have no open cases with the XXXX XXXX XXXX XXXX XXXX XXXX. They failed to verify what specific amount I owed and for what it was for. The first attachment ( XXXX ) is the response letter dated XX/XX/2026 in which the court notified me stating that my case was closed and nothing further needed to be done by me. The second file ( XXXX ) is a screenshot of the text sent by the law firm stating that I had an " outstanding balance. '' The third file " XXXX '' may give one an idea as to what this may actually be about.

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a USD {$2800.00} transfer from my business account ( Transfer XXXX XXXXXXXX ). The recipient institution rejected the payment on the same day. I subsequently provided the company with the XXXX and XXXX ( Output Message Accountability Data ) tracking numbers, which are the Federal Reserve 's definitive receipts confirming the funds were received by the companys partner bank. Despite the company formally acknowledging in multiple emails that these tracking numbers are valid, they have refused to credit my business balance. Instead, they repeatedly state the funds are " in transit, '' which contradicts the nature of an OMAD receipt. Furthermore, my account dashboard incorrectly lists the transfer status as " COMPLETED, '' which prevents their automated bounce-back workflow from triggering. As a business account holder, this is a violation of UCC Article 4A-404, which obligates a beneficiary bank to pay the beneficiary once a payment order is accepted. The company continues to provide template responses while withholding settled commercial capital, causing direct operational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am submitting this because Honda financial has not been reporting accurately my payments on my vehicle loan since XX/XX/XXXX and it is now XX/XX/XXXX where my latest on time payment hasnt been reported for 7 months now, my due date is XXXX of every month. all my payments have been on time & I also have statements to confirm my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This complaint serves one specific purpose. XXXX is submitting the documents PHH Mortgage Corporation produced from XXXX XXXX XXXX XXXXXXXX 's own loan files as evidence connected to XXXX complaints PHH returned on XX/XX/XXXX claiming the complaints do not belong to them. The XXXX returned complaints are XXXX XXXX XXXX XXXX and XXXX. PHH returned all XXXX complaints stating they are not the appropriate company to address XXXX 's concerns. Yet PHH simultaneously produced from XXXX 's own loan files the following documents the XXXX XXXX XXXX as to Ownership of Note and Mortgage where XXXX 's own Assistant Vice President admitted under oath they knowingly used dead XXXX XXXX XXXX on the void assignment for convenience not legal authority the Plaintiff 's Reply to Affirmative Defenses where XXXXXXXX XXXX XXXXXXXX admitted in open court that XXXX merged into XXXX and XXXX obtained all assets including XXXX 's Note and Mortgage the XXXXXXXX XXXX XXXX Application for Certificate of Withdrawal proving XXXX XXXX XXXXXXXX directed XXXXXXXX XXXX XXXX withdrawal while simultaneously continuing the foreclosure in XXXX 's name the void Assignment of Mortgage Instrument XXXX with fabricated loan number XXXX on its face and the complete original loan closing package confirming XXXX 's legitimate account number XXXX with fabricated number XXXX appearing nowhere in any original document. PHH produced all of these documents from XXXX 's own files. A company with no connection to XXXX 's foreclosure does not have XXXX 's complete original loan file spanning XXXX through XXXX. PHH has comprehensive knowledge of and full possession of XXXX 's complete loan file. PHH can not claim the XXXX complaints do not belong to them while simultaneously holding and producing XXXX 's complete loan file from XXXX 's records. XXXX is attaching the PHH produced documents to this complaint so they are formally on the CFPB record connected to the XXXX returned complaints. The CFPB is currently reviewing those XXXX returned complaints to determine the appropriate company. XXXX respectfully submits that PHH 's own production from XXXX 's files including XXXX 's sworn confession that they knowingly used dead XXXX for convenience proves PHH is the appropriate company and the XXXX returned complaints should be sent back to PHH requiring substantive responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I opened a Bilt XXXX Credit Card on XX/XX/year>, serviced by XXXX. I paid a {$99.00} annual fee at account opening. The following issues remain unresolved as of today : 1. ACCOUNT FROZEN WITHOUT NOTICE : My account has been suspended without clear explanation and without proactive notification. As a result, my mortgage and HOA payments have been declined for weeks, causing late fees and financial harm. 2. REFUSAL TO CLOSE MY ACCOUNT : I formally requested in writing on XX/XX/year> that my account be closed. I stated clearly that I am ready and willing to pay my outstanding balance of {$190.00} in full upon account reactivation. The company refused to close my account. 3. REFUSAL TO REFUND THE {$99.00} ANNUAL FEE : I paid a {$99.00} annual fee in good faith. Bilt failed to deliver the services and support promised at account opening over a period of more than two months. I formally requested a refund of this fee and was refused. 4. REWARDS CREDITED BUT INACCESSIBLE : A credit of {$250.00} in Bilt XXXX rewards was recently restored to my account following a formal demand. However, because my account remains frozen, I am unable to access or use these funds. 5. UNSAFE ID VERIFICATION REQUEST : The company is requiring me to submit a selfie and government-issued photo ID via standard email in order to unfreeze my account. I have requested a secure encrypted upload portal instead. No secure alternative has been provided. 6. UNAUTHORIZED CARD REPLACEMENT : On or around XX/XX/year>, Bilt replaced my card ending in XXXX with a new card ending in XXXX without my knowledge or consent. The stated reason was that my card had been reported lost. I never reported my card lost. 7. MORE THAN 16 CONTACTS WITH NO RESOLUTION : Between XX/XX/XXXX and XX/XX/year>, I contacted Bilt and XXXX more than 16 times by phone, chat, and email. Two phone representatives disconnected my calls. Agents provided false and conflicting information on multiple occasions. No manager or decision-maker was ever made available to me. I am requesting that the CFPB compel Bilt and XXXX to : ( 1 ) immediately reactivate my account, ( 2 ) allow me to pay my {$190.00} balance and close the account, ( 3 ) refund my {$99.00} annual fee, ( 4 ) allow me access to the {$250.00} Bilt XXXX credit currently frozen in my account, ( 5 ) provide a secure method for identity verification, and ( 6 ) confirm in writing that no negative credit reporting will result from their actions. I have full documentation of every contact, every agent name, and every written commitment made. Documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
My debit card and mobile phone were stolen. After the theft, unauthorized transactions totaling {$2500.00} were made on my account without my permission or knowledge. I did not initiate, authorize, or benefit from these transactions. I became aware of the activity after reviewing my account and immediately disputed it. At the time the transactions occurred, I was XXXX with the United States XXXX and was not in possession of my debit card or phone. I later submitted official military orders and assignment documentation to support this. Despite reporting the theft and providing supporting documentation, the transactions were denied as authorized, even though I did not have access to my card or device when they occurred.

Company response to consumer: Closed with explanation