vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CO

Complaint narrative:
IC Systems Inc. reported a collection account to Experian on my credit. This account is supposedly from XXXX XXXX. When I contacted XXXX ( female ) with IC Systems , Inc. they were unable to find the account in my name, phone number or SSN or date of birth. I requested all information regarding this debt and disputed the account through Experian. I received notice that IC Systems claims to have validated the account. I doubt that any verification was done as I spoke with XXXX at XXXX XXXX department and she also confirmed that I have nothing in collections associated with my name, address, DOB, phone number, PII, etc. This damage to my credit rating is serious- it reduced my credit score by XXXX points and has affected my renewal on my apartment lease due to the reduction in my credit rating which has impacted my financial situation.

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was involved in a car accident in XXXX XXXX and I was at not fault. My Car insurance company took care of everything. The other party, was at fault. have XXXX as car insurance as well. Now I received a collection bill from a collection company saying that I own {$69000.00}. I contacted XXXX and they told me that they already paid this bill. I contacted collection company together with XXXX representative and they keep saying that they don't know anything and I have to pay this bill or they will report this to my credit. I sent below certified letter to collection company today. XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt in its entirety. I am not responsible for this alleged balance. This matter is related to a motor vehicle accident in which I have already been determined not at fault, and therefore I have no legal liability for this debt. This claim is associated with a XXXX insurance file, Claim No., in which the at-fault party has been identified and is responsible. My understanding is that the original creditor has already directed collection efforts, including a demand letter, toward the proper at-fault party. As such, any attempt to collect this debt from me is improper. I request the following : 1. Full validation of the debt, including all documentation that allegedly shows I am legally responsible. 2. Proof of liability, including any agreements, contracts, or legal findings that support your claim against me. 3. Immediate cessation of all collection activity while this dispute is investigated. 4. Confirmation that this account will not be reported to any credit bureau, as I am not responsible for this debt. 5. If this account has already been reported, I demand immediate deletion of any credit reporting related to this account, as it is inaccurate. If you are unable to provide sufficient proof that I am legally responsible for this debt, you must close this account and cease all collection efforts immediately. Please be advised that I am maintaining records of all communications. Failure to comply with applicable federal law may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney General, and other appropriate regulatory agencies. I request that all future communications regarding this matter be in writing only. Sincerely, 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Im writing to file a complaint against IC System , Inc. for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive..

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
The account in question is Imagine XXXX I have had this account for about a half a year now. I have never ever missed a payment in fact I make multiable payments a month to make sure my account is up to date. Suddenly with out any warning last month they closed my account with out any reasoning or explanation. Now they sent me an email saying they closed my account for suspicious activity and refuse to give me any further explanations. This seems to me like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: AL

Complaint narrative:
Hello, I have had had a XXXXXXXX XXXX XXXX credit card since XXXX. A couple of weeks ago XXXX decided to issue a new XXXX credit card and completely new financial provider. I tried every way possible to activate the card for days. It is impossible with their system to communicate with a person. It is all AI bots, and it goes in a continuous loop with no possible solution. All telephone numbers have been accessed to no avail. The customer service has been absolutely nonexistent. It is deception in exploitation. All my information from the previous card has had access denied. I can not use the card, nor can I cancel the card. Yet, XXXX is still able to bill me. This is a textbook case for consumer protection. There are already website reviews and internet searches with numerous complaints about this issue. At this point, I am in a hopeless situation to get anything accomplished. I wish to cancel the card somehow. I am XXXX XXXX XXXX and have never been so frustrated and helpless to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: MA

Complaint narrative:
I called imprint who took over credit card responsibilities for XXXX. I tried to cancel my account. Their XXXX assistant stated I needed to accept their terms and activate the account then I could cancel it right away ( card has a verified {$0.00} balance ). After accepting their terms and activating the card their XXXX assistant stated they can not close accounts. When Im told their XXXX assistant they stated post activation i could cancel right away all it did was sorry. Im tried to speak to a live person but that is impossible. This is unacceptable behavior. I need assistance in canceling this account and they need to change their practices on not allowing cancellations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: InDebted Corporation
State: TX

Complaint narrative:
Im in the process of buying a house so I have credit monitoring notifications send to me daily. On XX/XX/XXXX I got a notification that a collection account was added to my XXXX report by Indebted USA. Before then no written communication was sent to my home no opportunity to dispute or settle the debt was given, they just added it to my credit report. Im forced to pay without Dispute or verification because my close date is near and I could possibly lose the XXXX I have put forward purchasing the home if the sale doesnt go thru because of this collection without notification. They refuse to give me a paid in full/settle letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
My collection from XXXX XXXX went into collections to a debt collector and they are contacting family members about my debt that I dont even talk to or consider family and they are putting my business out in the open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MI

Complaint narrative:
Theyre reporting it in accurately it says I opened the account XX/XX/2024, which is not true. A third-party debt collector purchased the debt. I never signed a contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
At this point this is illegal at this point. It is IMPOSIBLE that I leased a phone through XXXX. They didn't even offer that at that time. I have asked for proof for over a year and I have never received it. Also if CFPB looks through the notes I have disputed several times. It has been over a year. Anything with XXXX would have been XXXX or XXXX. Look at that time and tell me XXXX leased phones then. This needs to be removed immediately. I want to see proof, so I can sue this fraudulent collection company. 15 U.S.C says thus has to be deleted. It has been a year and a half since the last investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX mi XXXX [ XX/XX/XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] Re : Formal Dispute and Request for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the collection account listed on my credit report. Account Information : * Collection Agency : Jefferson Capital * Original Creditor : XXXX XXXX * Account Number : XXXX * Reported Balance : {$3000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that this account be investigated and verified. I dispute this account for the following reasons : 1. Jefferson Capital has not provided sufficient evidence that I have a contractual obligation with their company. XXXX. I have not received documentation proving that Jefferson Capital has the legal authority to collect this alleged debt. XXXX. I request verification of the complete chain of assignment or sale from XXXX XXXX to Jefferson Capital. XXXX. I request copies of any signed agreement, billing statements, payment history, and documentation bearing my signature that establishes liability for this debt. XXXX. If the information can not be verified as accurate, complete, and legally reportable, I request that the account be permanently deleted from my credit file. Pursuant to the FCRA, please conduct a reasonable investigation and provide me with copies of all documentation used to verify this account. If verification can not be provided, this account must be removed from my credit report immediately. I also request that any inaccurate late payments, collection notations, and associated negative reporting related to this account be deleted. Please provide the results of your investigation in writing within the time allowed by law. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
These are transactions we did not make but got charged for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION. XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. SELECT PORTFOLIO XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. XXXX. XXXX The person who hacked into our account said they didnt pay these and a temporary credit was issued and the person made withdrawals for these amounts from a bank in XXXX CA and we are in Illinois XXXXXXXX XXXX then realized these were in fact paid and did reversals on these XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXX XXXX. DEPT OF EDUCATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX chase closed my account and has not returned my money I reach out to them on multiple occasions but not answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In or around XX/XX/year>, XXXX XXXX XXXX received an XXXX XXXX XXXX XXXX XXXX ) refund check issued by the U.S. Department of the Treasury in the amount of approximately {$70000.00}. The check was deposited in person at a JPMorgan Chase Bank branch into the company 's account. Chase placed a hold on the funds, stating that there was a possibility of fraud associated with Treasury checks and that verification was required before the funds could be released. That hold has now remained in place for approximately XXXX months, with no resolution and no clear explanation of what additional verification is outstanding or what is required of me to complete it. During this same period, Chase closed the company 's bank account, as XXXX XXXX XXXX had ceased operations the prior year. As a result, the bank is now holding funds that were deposited into and accepted by the company 's account, while that account no longer exists - leaving me with no clear path to access money that is rightfully owed to the company. I have contacted Chase multiple times to resolve this matter and have been unable to obtain either the release of the funds or a definitive timeline for resolution. A hold of this length - more than XXXX months- on a legitimate, XXXX federal refund check that was deposited in person at a branch is unreasonable and unjustified. I am requesting that Chase immediately release the ~ {$70000.00} plus interesr to XXXX XXXX XXXX. If Chase contends that any verification remains outstanding, I am requesting a written explanation of the specific verification required, the exact steps needed to satisfy it, and a firm date by which the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
HI All I have a lease contract XXXX XXXX via Chase Finacial and the contract said I have to pay XXXX as a termination fee > No tax is mentioned and I can provide the contract Chase Executive XXXX said that FL has tax that is added and the amount is XXXX. I reserched the matter and no tax is either charge by FL or federal for this tax. I didn't pay the amount due to wrong invoice and info and Chase has file a claim in my credit report that is not correct. I need to have Chase send the right invoice and retract the claim in all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I asked the salesperson for a copy of my loan application that they completed. I was provided a copy of an application to ROUTEONE that I did NOT complete and the information that an employee of KIA Finance and the information was addened fraudulently. This is a perfect example of predatory lending as I didn't even provide the dealership ( XXXX XXXX XXXX of XXXX ) with any financial information. Additional information provided by consumer : XXXX KIA Finance is the company the complaint should be sent to the company name was misspelled.

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 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the following account that is being inaccurately reported under my name and furnished to the credit bureaus by XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$180.00} I, XXXX XXXX, formally dispute this alleged debt in its entirety. This account does not belong to me and is being inaccurately associated with my credit profile. For identification purposes only, the last four digits of my Social Security number are XXXX. Please note that this account has previously been placed with multiple collection agencies and removed from my credit report several times after disputes were filed. XXXX XXXX XXXX currently has this alleged account assigned to Credence Resource Management for collection, despite the account previously being deleted by prior collection agencies and credit bureaus due to inaccuracies. This repeated reinsertion and reassignment of inaccurate information is improper and has caused substantial harm, including but not limited to higher interest rates, damage to my creditworthiness, emotional distress, and other financial consequences. Under the Fair Credit Reporting Act and all other applicable laws, XXXX XXXX XXXX is required to conduct a reasonable investigation before furnishing or reinserting disputed information to any consumer reporting agency. I demand the immediate deletion of this account from all consumer reporting agencies and from any third-party collection activity, including Credence Resource Management XXXX I also request written confirmation that the account has been permanently removed and will not be reassigned or re-reported in the future. If this matter is not resolved immediately, I will pursue all remedies available to me under federal and state law, including filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, state regulators, and pursuing legal action for damages caused by your continued inaccurate reporting. Sincerely, XXXX XXXX [ XXXX ] ( mailto : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LAKEVIEW LENDING LLC
State: FL

Complaint narrative:
Lakeview Lending kept stating that it was a fixed apr. However when he finally sent the loan estimates nothing was as we had discussed. After numerous calls to him they have ignored me. I have requested them to forward all documents to XXXX XXXX and they have not responded to XXXX. They were misleading and lied to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: IN

Complaint narrative:
I kept getting bills from XXXX when I do not even have XXXX, when I called XXXX they claim theres was no debt. This is obviously fraud. Please take care of this! Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Lendbuzz sent me a message after a phone conversation and said specifically Lendbuzz Account Update : You have a Payment Scheduled for XX/XX/XXXX for the total amount of {$380.00} on DEBIT CARD. By making this payment you will be free of any risks of REPO. Please be sure to call us on said date to proceed with the payment. But today they have repossessed the car leaving me abandoned with no transportation

Company response to consumer: Closed with explanation