vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Hello, My mortgage was transferred from XXXX to XXXX effective XX/XX/XXXX. XXXX sent my XXXX payment to XXXX on XX/XX/XXXX in the amount of {$2300.00}. It was received and posted to my account with no issues. 

XXXX sent my XXXX payment to Mr.Cooper on XX/XX/XXXX via bulk wire transfer in the amount of {$8500.00}. According to XXXX, XXXX failed to provide allocation details including XXXX 's Name, Account #, Payment Amount etc. XXXX advised that they reached out to XXXX numerous times but did not receive a response. Therefore, they returned the funds to XXXX on XX/XX/XXXX. 

XXXX has requested XXXX to provide proof the funds were returned including the wire reference number so that they could reopen a task for further research. Nearly a month has passed and they have failed to do so. 

Now, my credit has been negatively impacted. I have spent numerous hours on the phone with both servicers. When I call or receive a scheduled follow-up call, there is no new information to be provided. This leads to another follow-up call being schedule for days, sometimes a week, later and the cycle continues. This is essentially out of my hands and is an issue that the XXXX servicers need to work together to resolve. 

I would like to add that I work for a large, well respected mortgage firm and I am very familiar with the acquiring/selling of mortgages and I know that this is NOT how things should be handled. It should not take weeks to initiate a wire trace or provide a reference number. This is negligent. I have filed a complaint with the BBB and my State 's Attorney XXXX office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-20 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, I purchased a bag XXXX. Later that day, I received an email from XXXX confirming my full address, order # XXXX and tracking number XXXX ( see XXXX ). 
I got a notification on XX/XX/XXXX saying that my package had been delivered. Since I had not received it, I immediately contacted the carrier ( XXXX ) but tracking number was unverifiable. I called the number displayed on their website but it belongs to some XXXX shower doors. So, I contacted the seller. They offered me a replacement, a gift and XXXX  % off discount ( see pic. ). That was the last time I heard from them. Then, I contacted PayPal to let them know that I never got my product and I wanted to dispute the {$170.00} plus {$8.00} insurance paid. My claim XXXX XXXX XXXXXXXX was denied solely based on a tracking number. XXXX response does not address the core issue : theres no proof of delivery to my address ( apartment number is missing ). A tracking number alone is insufficient. I disputed their conclusion and requested further review but they denied and closed my case for the second time. It feels little or no effort whatsoever to review my case. ( See pic ) I am requesting that PayPal reverse this XXXX in XXXX transaction, provide a full refund due a merchant fraud and insufficient proof of delivery. That merchant appears to impersonates XXXX XXXX brand to lure people, but delivers counterfeit or no products. 
LESSON LEARNED!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UHG, LLC
State: CA

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX on behalf of UHG I LLC regarding an alleged debt originally with XXXX. I timely submitted a dispute on XX/XX/year>, requesting validation of the debt and proof of chain of assignment. 

In response, the collector provided general records including a copy of a loan agreement with XXXX and a bulk purchase agreement referencing numerous accounts. However, they failed to provide any specific, complete chain of title proving UHG I LLC legally owns or was assigned my individual account. 

Documents were redacted or too vague to prove my account was legally sold or assigned to UHG I LLC per FDCPA standards. The Bill of Sale did not identify my specific loan/account number, nor did it include an affidavit or specific assignment schedule showing the transfer of my account. 

I have requested proper documentation, including the full unredacted chain of custody, but to date, none has been provided. 

Additionally, the proof of service in the court case against me included false personal descriptors and I was not served properly. A judgment was entered without my knowledge, and I only learned of it via mail in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MI

Complaint narrative:
This debt is from a XXXX party XXXX collector. I didn't authorize or sign any documents with Jefferson Capital Systems LLC, therefore my signature does not go on in perpetuity.The original creditor XXXX closed the account XX/XX/2025. I have received text messages from Jefferson Capital Systems LLC requesting payment. XXXX XXXX was the first text message I received from this company. This company purchased my account requesting my personal information to verify myself, which I have not given any information to. Also requesting when can I make a payment via email and text. Also Jefferson Capital Systems LLC placed their name on my credit report for non-payment. I would like to know how a company can place a debt that's not owed to them on a persons credit report without authorization? How is that legal? Especially when this account was voluntarily purchased without my consent or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Yelp did not do as agreed and charged my Capitol One Credit Card. Capitol ONE representative did not give clear and concise on line dispute directions and when disputed again they stated dispute timeframe was expired. Capitol ONE did not take responsibility for their misrepresentation. Now a derogatory report is listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I accepted this very loan predatory agreement and Ive been paying tho only less than {$50.00} of my over {$300.00} payments go towards the principal and they just offered me a refinance but they literally just wanted to lend me {$200.00} and would not disclose the rates and or fees prior to hitting a button to accept their financing!!! 

This is absolutely predatory lending!!!! 

Pls look into these loaning Agencies. 

XXXX XXXX. 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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had auto pay set up on my chase credit card account, and did not make any changes to my credit card account or checking account through XXXX where the funds were being withdrawn from. These automatic payments have been set up for months with no issues. On XX/XX/XXXX, a Chase representative called me to let me know my account was past due. Ends up, there was something wrong with Chase 's auto pay and it rejected the auto pay. I had enough money in my XXXX account, it was something with their system I believe based on our conversation. Anyway, the representative kindly refunded the past due fee that I incurred. I paid the account to current and relinked my checking account to autopay. I walked him through my account and routing numbers and verified the autopay was set up and good to go. Or so I thought. 

Fast forward to XX/XX/XXXX, and I received a call from chase that my account was again past due. Frustrated, I told them what happened and they said they see my XXXX account as the payment account, but autopay was not turned on. This is a business account I use sparingly so I don't check it often and heavily rely on autopay from a bank with XXXX XXXX dollars in assets to get it right. Well, I was charged multiple late fees during this time. I kindly requested these fees be refunded and once again can we set up autopay going forward. The representative said refunding the late fee of {$40.00} on XX/XX/XXXX, was not possible because I already had other late fees refunded. I expressed frustration that this was on the error of Chase, but nonetheless, they said they can not issue a refund. 

This all occurred because Chase 's autopay 1 ) did not work as disclosed and 2 ) the representative told me it was fixed, and it was not. I feel like this service was unfairly presented in a way that led to fees being assessed. 

Examiners or internal audit should consider conducting an investigation into accounts that had autopay on and then were assessed late fees to see if this a pattern or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, a charge of {$660.00} from XXXX XXXX a Car ( XXXX, XXXX ) was posted to my Citibank credit card for alleged damage to a rental vehicle. 
The merchant claimed damage to the drivers side rear light. This damage was pre-existing and present before the rental began. I recorded video at vehicle pickup clearly showing the same damage prior to driving the car. 
Between XX/XX/XXXX and XX/XX/year>, I contacted the merchant multiple times by email, provided the video evidence, and requested removal of the charge. The merchant did not respond within their stated XXXX hour timeframe and did not provide any documentation showing the damage occurred during my rental. 
I opened a dispute with Citibank and submitted video evidence, email correspondence showing lack of merchant response, the rental contract, and a written explanation. Citibank issued a conditional credit during the investigation. 
On XX/XX/XXXX, Citibank denied the dispute and reversed the conditional credit, stating that the documentation did not support the claim. Citibank did not explain why the video evidence was insufficient, did not address the pre-existing damage, and evaluated the dispute under an incorrect category ( services not as expected ) rather than as an invalid or unauthorized damage charge. 
I am requesting a supervisory review and proper reconsideration of this dispute based on the evidence submitted and the merchants failure to substantiate the charge.

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 2026-01-20 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: FL

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: MA

Complaint narrative:
I did not give this company permission to contact me thru text not to mention they texted my daughter the debt collection notice not even me Halsted Financial Debt amount XXXX. they texted on XXXX at XXXX am.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Too many inconsistencies with TransUnion. Violation of my identity ( FCRA )

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 non-monetary relief
Consumer complaint received 2026-01-20 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: GA

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: IN

Complaint narrative:
I am submitting this complaint regarding the repossession of my leased vehicle by Stellantis Financial Services.

I was previously behind on my lease payments. On XX/XX/year>, I made a payment of {$1200.00}, which Stellantis confirmed was received and posted to my account. After this payment was applied, I was not informed of any remaining past-due balance or that my account remained out of compliance. 
Approximately 1213 days later, on or about XXXX XXXX 2026, my vehicle was repossessed. Between XX/XX/XXXX and the repossession date, I did not receive any written notice, email, portal message, or voicemail stating that I was still out of compliance or that repossession would proceed despite the payment.

After the repossession, I contacted Stellantis Financial Services. Representatives stated that multiple phone calls had been made to me prior to repossession. However, my caller ID and phone re
cords do not show any calls identified as Stellantis Financial Services. The only repeated calls during the relevant period appear as Potential Sp
am, are not clearly identified as Stellantis, and no voicemail messages were left. Several of the dates referenced by representatives do not appear in my call history at all. 
As of today, I have not received any written notice after the repossession explaining that the vehicle had been repossessed, the reason for repossession, or my rights and options. I have also not been informed that the vehicle has been sold or sent to auction.

Despite Stellantis acknowledging receipt and posting of my XX/XX/XXXX payment, and despite conflicting explanations regarding account compliance and communication attempts, Stellantis has refused to return the vehicle and has stated that the only option to recover it would be to pay the full remaining lease balance. 
I am requesting a review of this matter for proper application of my payment, confirmation of my accounts default status at the time of repossession, accuracy of communication records, the repossession authorization timeline, and whether required notices were provided in compliance with applicable servicing and consumer protection requirements.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation
State: NV

Complaint narrative:
I been receiving a calls while Im working daily. I called them finally asked what they want and they said that I owe {$1000.00} to loan that I took it out in XX/XX/XXXX. I have never was in contact until now in XXXX. They claimed that I owe money to advance.cash online website. I dont recall ever borrowing money from this company thats supposed to be online. I asked for them to send me through XXXX Mail since I need to make sure that this is legit. He told me that they dont do that. He told me oh you think youre so smart. At this point I hung up the phone, but if its this is legit, I cant deal with it but if they cant send me hard copy with the all the information that I could look then I believe that this is fraud and I dont want to continue to receive harassing phone calls daily. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Companies : Charter Communications ( XXXX  ) & [ Debt Collector Name : Amsher Collection Service ] Complaint Summary I am disputing a collection account that was reported to my credit file in error and appears to stem from an unauthorized and/or fraudulent Charter Communications account . I never authorized this account, do not recognize the debt, and was never contacted prior to negative credit reporting. Both Charter and the debt collector relied on incorrect personal information and failed to reasonably verify the accuracy of the alleged debt.

Detailed Complaint I discovered a collection account reported by Amsher Collection Service for an alleged Charter Communications balance of {$390.00}. I have not had Charter/XXXX XXXX for over a year, following my move from Tennessee, at which time I paid my final balance in full and returned all equipment. I never authorized any new Charter account after that closure.

I was never contacted by Charter or the collection agency prior to this account being placed in collections. When I inquired, I was told that notices were allegedly sent to a Florida address. I have never lived at, owned, or authorized any address in Florida. This address is not associated with me and further demonstrates that the account information being relied upon is inaccurate and unreliable.

Despite the lack of authorization, lack of validation, and the use of an incorrect address, Charter allowed this account to be furnished to my credit report and subsequently sold or assigned to a third-party debt collector. The collection agency then reported the account without first providing proper notice or validation and without confirming that the account actually belonged to me. 

This reporting has caused reputational and financial harm by placing a false collection on my credit report. Both companies failed in their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting and to conduct a reasonable investigation, and the debt collector failed to comply with the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification that {$98.00} was used in a XXXX in a different city XXXX miles away from me, a transaction which I did not do. I submitted a claim with my bank and they sent me a notice that my claim was denied. I submitted a new claim with proof of where I was at the time of the purchase and still received notice of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
This debt is from a 3rd party Debt collector. I didn't authorize or sign any documents with XXXX XXXX XXXX XXXX, therefore my signature does not go on in perpetuity.The original creditor Affirm closed the account XX/XX/year>. I have received text messages from XXXX XXXX XXXX XXXX requesting payment. XXXX XXXX was the first text message I received from this company. This company purchased my account requesting my personal information to verify myself, which I have not given any information to. Also requesting when can I make a payment via email and text. Also XXXX XXXX XXXX XXXX placed their name on my credit report for non-payment. I would like to know how a company can place a debt that's not owed to them on a persons credit report without authorization? How is that legal? Especially when this account was voluntarily purchased without my consent or signature.

Company response to consumer: Closed with explanation