vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a checking account with Chase that went negative after I lost employment in XX/XX/XXXX and again in XX/XX/XXXX. Chase account services called me repeatedly almost hourly even after I had informed them of my situation. Finally in XX/XX/XXXX I requested Chase not use phone communication to correspond with me because the calls would continue with occasional call terminations when the system tried to transfer the call to an agent. I informed them that USPS and email correspondence was preferred. The customer service agent agreed. In XX/XX/XXXX or XXXX XXXX Chase closed the account with no notification at all. No usps, nor email, nor text, nor chase bank application message. I called Chase on XX/XX/XXXX to ask why my account was closed and why wasn't I warned. The representative stated the account was closed because my XXXX  kept processing a charge on a monthly schedule and I was not notified because I requested to not receive phone calls. I asked the representative if the only manner of account activity communication was via phone and she replied that Chase does correspond via usps, email and via app. I asked again why I wasn't warned about potential account action via usps mail or email and the representative reemphasized my request to not receive phone calls. I only noticed my account closure after logging into the Chase app on XX/XX/XXXX to download statements for a food assistance application. Now I have no access to my account history as Chase refused to reinstate access. Mind you I can still access my Chase XXXX via the Chase app and that account has been closed for over a year. I am really frustrated with big banks and their haphazard bullying tactics to frustrate and make life difficult for those who are going through difficult periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: DE

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding a charged-off account that was sold and transferred to another lender and is still being reported by the original creditor.

Disputed Account : Creditor : UpGrade Inc .

Account Number : XXXX Status Reported : Charge-Off / Sold or Transferred Balance Reported : {$0.00} or Charged-Off Balance Once a creditor sells or transfers a debt, it no longer has a permissible purpose to continue reporting the account as a charge-off. Continuing to do so creates duplicate and misleading reporting, in violation of FCRA 1681e ( b ), which requires credit reports to reflect the maximum possible accuracy.

Additionally, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or should know is inaccurate or misleading. Reporting a charge-off after relinquishing ownership of the debt falsely implies the original creditor still maintains a loss or balance.

Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation and delete any information that can not be verified with competent evidence. Verification through a third-party database is insufficient ; only original ownership documentation is acceptable.

Failure to comply may result in complaints filed with the CFPB and enforcement of rights under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Product : Debt collection Company : LVNV Funding LLC ( c/o Resurgent Capital Services ) Complaint Narrative I am submitting this complaint against LVNV Funding LLC for failing to properly validate an alleged debt and for continuing to report inaccurate and unverifiable information to the credit reporting agencies.

I disputed this account and requested validation. In response, LVNV ( through Resurgent Capital Services ) provided only a third-party account summary and an old billing statement from the original creditor. They did not provide : Any contract or application bearing my signature Any bill of sale or assignment proving LVNV owns my specific account Any chain of title Any itemized accounting of the balance Any documentation showing legal authority to collect Their own document states that the account summary is not an original creditor statement.

This response does not constitute proper validation under 15 USC 1692g ( b ).

Despite failing to validate the debt, LVNV continues to report this account to XXXX  as a valid collection account, causing ongoing harm to my credit profile.

By continuing to report an unvalidated debt, LVNV is violating : FDCPA 1692g ( b ) failure to provide proper validation FCRA 1681s-2 ( b ) furnishing information that can not be verified as accurate FDCPA 1692e false and misleading representation of the legal status of the debt FDCPA 1692f unfair collection practices LVNV has no lawful proof that it owns this account or that I owe the balance reported. Continued reporting under these circumstances is willful and improper.

What I Am Requesting I am requesting that LVNV Funding LLC be required to : Cease all credit reporting and collection activity on this account unless lawful validation is produced.

Delete the account from all credit reporting agencies.

Provide written confirmation that the account has been removed.

Correct its procedures to prevent reporting of unverifiable debt buyer accounts.

Supporting Facts LVNV provided only third-party compiled data No ownership proof was provided No assignment or chain of title was provided No contract was provided The account continues to be reported as a collection Desired Resolution Permanent deletion of the LVNV Funding account from all credit reports and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year> I received a call from XXXX XXXX ( he had a slight accent ) said he was from BofA and he was checking to see if I had applied for a credit card with BofA. I told him no and he said the application was done in XXXX, Florida but was using the phone number of the BofA in XXXX Ut at XXXX XXXX. He said he was cancelling the application and would be transferring me to XXXXXXXX  for a fraud needs and they would help me. Since this happened a couple days ago, I told him I would be reporting this interaction immediately after getting off the phone. I told I would not be talking to his XXXX as I already have them and I knew he was the fraudster. I hung up and called the number back it went to BofA on XXXX XXXX XXXX and I confirmed with the person who answered they do not have anyone working there by the name of XXXX XXXX. The number used was XXXX BofA, he also used XXXX which shows as incoming from XXXX XXXX  Branch but I didnt call them as the number switched to the BofA and thats what the man said. 
Sure wish there would be more focus on this kind of crime.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage has been negligible and withheld our home owners insurance payment since XX/XX/XXXX. They received notice from our HI in XX/XX/XXXX letting them know they were delinquent. Freedom mortgage did nothing and our HI was canceled. We have reinstated it with the help of our insurance brokers. Unfortunately it has been canceled XXXX additional time due to none payment. Since XX/XX/XXXX we have called and spoke with multiple people in the insurance and customer care departments, 3 times we have been " reassured '' that payment was being sent. As of XX/XX/XXXX - payment has not been sent. Yet Freedom mortgage has not missed taking the insurance from our escrow account each month. No one from Freedom mortgage has helped us without excuses or attitude. Today alone i have been transferred around and spoken to XXXX different people just to be told after an hour and a half that they can not confirm that payment was sent to the insurance company. As homeowners, this has caused undue stress over liability for any home damages caused by ice storms, etc. Freedom mortgage has withheld payment from our home owners insurance company and the insurance company is threating to drop us completely without reinstatment eligibility. This can not be a healthy way for a company to function. This can not be legal.

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 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following inaccurate information on my Experian credit report. I am a consumer and I believe these items are incorrect, outdated, or unverifiable. I request that Experian investigate, correct, or remove these items immediately under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts ( Disputed as Inaccurate or Incomplete ) XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$10000.00} XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$570.00} XXXX dispute these accounts because the reporting is inaccurate, incomplete, or unverified. I request that Experian validate the accuracy of each item with the original creditor and provide documented proof of my obligation, account status, and balance. If verification can not be provided, these accounts must be removed from my credit report. 

Inquiry ( Unauthorized / Unverified ) XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and request verification. If the inquiry can not be verified, remove it from my report. 

Late Payment ( Inaccurate Reporting ) XXXX Account # 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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance with a situation that has caused me significant stress and frustration. I purchased a new vehicle on XX/XX/year>, and at the dealership, I opened a BARCLAYS GM Mastercard using a QR code provided by the finance department. I was told that spending {$1000.00} would result in a {$500.00} rebate, which was the main reason I opened this card. 

That same evening, the dealership attempted to process the rebate but said there was a system issue on the Mastercard side and advised me to call the next day. Since then, I have spent over ten weeks contacting BARCLAYS, GM Rewards, and the dealership, only to be repeatedly redirected with no resolution. GM Rewards has confirmed I am owed the rebate, but they claim they can not issue it due to dealership processing errors. BARCLAYS representatives, including senior resolution managers, have stated they can not assist. 

This has been an incredibly stressful and exhausting process. The rebate was a material part of my decision to open this credit card, and I did not need additional credit. Internal processing issues between the bank, rewards program, and dealership should not be my burden. 

Requested Resolution : I respectfully request that BARCLAYS apply a {$500.00} credit to my GM Mastercard account to resolve this matter. 

Thank you very much for your time and attention. I greatly appreciate any help you can provide in bringing this long-standing issue to a fair resolution. 

Sincerely, 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 2026-01-21 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: NC

Complaint narrative:
Company : XXXX XXXX XXXX Collector : Halsted Financial Services LLC Account : Reference ID XXXX Issue : Debt collector contacted me after I told them to stop Complaint : On XX/XX/XXXX, I sent XXXX XXXX XXXX a certified ceaseanddesist letter exercising my rights under the FDCPA ( 15 U.S.C. 1692c ( c ) ). In that letter, I required them to stop all communication with me regarding an alleged XXXX XXXX XXXX account. 

Despite receiving my ceaseanddesist, on XX/XX/XXXX, I received an unsolicited email from Halsted Financial Services attempting to collect the alleged debt. The email included a payment plan, a solicitation to log into their portal, and general collection activity. This communication was not a legalaction notice or a required statutory notice. 

This is a clear violation of the FDCPAs ceasecommunication rule. 

Additionally, XXXX XXXX XXXX is reporting contradictory and inaccurate information to the credit bureaus. The account is simultaneously listed as paid off and past due, which is materially misleading and violates FCRA 1681e ( b ).

I am requesting the CFPBs assistance to : Stop all unlawful communication Delete the inaccurate tradeline Ensure XXXX and Halsted comply with federal law I can provide : A copy of my certified ceaseanddesist letter Proof of delivery A copy of the XX/XX/XXXX collection email Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I paid a down payment to the merchant for services for XXXX scheduled to begin after XXXX  months on XX/XX/XXXX. The merchant initially ignored my attempts to resolve this issue, then later acknowledged they would assist but never provided the services. I filed this dispute after a XXXX  month period ended. Denial is based solely on a XXXX  day timeframe from the down payment date does not satisfy the reasonable investigation under regulation E. I request Wells Fargo to reconsider this claim and reverse the charge. 

The reference number for this claim is XXXX I also have proof from the lawyers office that the letter was undeliverable which is false advertisement of the merchant states address on the receipt. After that failed attempt to serve the merchant I went to the bank to do a dispute even providing evidence that they didn't even attempt to look at because of expired time. Also under regulation E there is no way possible know after a XXXX month period I would know if they wouldn't provide me services

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal student loans have been subject to a continuous payment pause since the COVID-19 administrative pause began in XX/XX/XXXX. I am currently enrolled in the Saving on a Valuable Education ( SAVE ) income-driven repayment plan with a calculated required monthly payment of {$0.00} and an income recertification date of XX/XX/XXXX. 

Despite this, my loan servicer, Nelnet, reports my loan status as SAVE PLAN PAUSE FORBEARANCE while continuing to accrue interest on my account at approximately {$14.00} per day. As of XX/XX/XXXX, unpaid accrued interest exceeds {$12000.00}, even though my required payment under SAVE is {$0.00}.

Under the SAVE plan, interest above the borrowers required payment amount should be subsidized when the calculated payment is {$0.00}. In addition, COVID-era administrative pauses were not intended to generate borrower interest liability in this manner. Nelnet has not provided a clear written explanation for why interest continues to accrue under these circumstances. 

I attempted to obtain clarification and documentation by reviewing my online account portal and official loan documents provided by the servicer. However, Nelnet does not provide access to any SAVE or income-driven repayment approval notices, determinations, or repayment calculation records in my portal. This prevents me from verifying the effective date and terms of my SAVE enrollment, understanding the basis for interest accrual, and confirming whether paused months are being properly credited toward income-driven repayment forgiveness. 

Notably, Nelnet issued an official Loan Summary / Mortgage Verification letter dated XX/XX/XXXX, which explicitly identifies my repayment plan as Saving on a Valuable Education ( SAVE ), reflects a {$0.00} amount due, and confirms my account is not delinquent. This letter demonstrates that SAVE enrollment was recognized by the servicer, yet the underlying approval documentation is not available to the borrower, and interest continues to accrue. 

Nelnets use of the term SAVE PLAN PAUSE FORBEARANCE is ambiguous and misleading. The servicer has not clarified whether my account is in an administrative pause related to COVID-era or SAVE implementation guidance, or a discretionary forbearance. This distinction materially affects interest accrual, borrower liability, and eligibility for income-driven repayment forgiveness credit. 

I am requesting a full review and correction of my account, including written confirmation of SAVE enrollment terms and effective dates, clarification of my pause status, confirmation that eligible paused months are properly credited toward income-driven repayment forgiveness, and correction or reversal of any interest that accrued improperly while my required payment under SAVE was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: IL

Complaint narrative:
Since XX/XX/year>, VANCE AND HUFFMAN LLC has been harassing me regarding a debt that I do not owe. The put it on my credit report and refuse to take off. I want it removed of my XXXX XXXX XXXX  credit report. The Illinois statues of limitation to collect/sue for this credit card debt has expired. They also are not licensed in the state of Illinois as a debt collector when the letters were sent, and therefore is illegally attempting to collect on a debt from someone that is located in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: OK

Complaint narrative:
CAC XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CAC XXXX 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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear CFPB, MIDLAND CREDIT MANAGEMENT/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, {$1200.00}? I am disputing this charge off as it does not belong to me and had no relationships with the original creditor or MIDLAND CREDIT MANAGEMENT. Again I am filling a complaint regarding a debt collection / Charge off account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt/charge off and was never notified or contracted with the original creditor. On a previous complaint filed I was notified that a payment was received in the amount of {$50.00} which I never made any payments and I believe this is due to identity theft. I dispute the validity of the alleged debt/ charge off and formally request an reinvestigation as I will be taking legal action due to my rights being violated. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation