vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: UPGRADE, INC.
State: SC

Complaint narrative:
Upgrade Bank I made a {$10.00} purchase to XXXX Got charged XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I never visited these websites or made purchases there. My Bank is saying I made all these purchases and denied a fraud claim. Screwing me out of XXXX. 
They said because my initial payment for {$10.00} that charged me for {$29.00} prompted a OTP on my phone that I absolutely authorized and made all this these transactions. I did not. 

I have reported this fraud to the ftc Report number : XXXX I also reported this fraud to IC3

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: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
On XX/XX/year>, a debt collection company sent me an unsolicited XXXX  text message that included a photo of a full collection notice for an alleged medical debt. The image contained sensitive personal information, including my full name, home address, account numbers, and the name of a healthcare provider. 

The same text message included a shortened web link to access a full XXXX  of the document and stated that the password to open the document was my ZIP code. Using a commonly known or easily guessable identifier as a password does not constitute reasonable security and increased the risk of unauthorized access. 

I did not consent to receiving sensitive debt or medical billing information by text message, nor did I consent to receiving documents protected only by weak authentication. Transmitting this information via XXXX  and a link protected solely by a ZIP code created a risk of third-party disclosure through lock-screen previews, shared device access, misdirected messages, or interception. not to mention the zip was viewable in the image sent. 

This communication method was inappropriate for transmitting sensitive personal and medical debt information and appears inconsistent with FDCPA requirements and CFPB guidance regarding electronic communications, data minimization, and consumer privacy. 

The company initiated contact using XXXX  instead of U.S. mail and disclosed more personal information than necessary for an initial communication.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
Chase bank closed my Checking account and savings account without giving me a reason. I went to the bank to take my money out and they said my accounts are on restricted mode and I cant touch my money. They said I have to wait 30 days for them to send me a check in the mail. I have bills I need to pay and so on I cant wait over a month for them to give me back my own money back to me.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, after returning to my car from a meeting i get a notification that a card has been ordered for me. I also noticed i was locked out of my account. When i did call fifth third they said they didnt see anything on thier part and that my debt card is active. When i recieved my new phone i couldnt add my debt card to it nor my monthly transactions kept getting denied. When i was able to call again because the card never showed up the person on the line kept arguing about my card is active but of course it doesnt work with a negative balance, wouldnt forwarded me to a supervisor or fraud department beacause its too many numbers to figure out, and told me to go to a branch instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
We asking the companies to give the Debt Validation Letter, the Account Bals {$460.00}, we call this companies about four ago to ask for a update,

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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIOTORNAME is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
XX/XX/XXXX Began the process of doing a VA XXXX cash out loan. Moved along as quick as possible in an attempt to close this refinance. Whatever they requested, immediately submitted whatever documentation as quick as possible. 

XX/XX/XXXX Was assigned a POC and to ensure everything was ready to go to finalize the mortgage. Proceeded with acquiring a land improvement survey and termite inspection. 

It is throughout this time they proceeded to cancel the application on their own regard without my say so, stating it was at my request. When questioned, they admitted to the mistake made and resumed the process again. 

XX/XX/XXXX After their mix up, the process resumes in XXXX again. After speaking with the lender they were using, had to communicate with them, XXXX dividend, apparently no due diligence was done until this date on their own internal policies. The delay in their process has cost me thousands in interest on consumer debt. 

XX/XX/XXXX After speaking with XXXX dividend, they inform me that they won't move forward without subordination, but to win my business they are more than happy to adjust their terms to meet the need for this refinance. Have to actually tell my POC and people at Freedom Mortgage to move forward with doing their jobs. Their legal department refuses to make a phone call or open an email to work with the XXXX party... more interest charges continue to hit me. 

XX/XX/XXXX They wanted to me to misuse the refinance for paying off the loan from XXXX dividend to move forward, else they decline the entire application despite all the costs I had garnered from this process. Despite stressing that they were more than willing to work with us, their legal team was obstinate to doing their job.

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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for an XXXX XXXX credit card on XX/XX/year> in which it says earn XXXX bonus points after spending XXXX in the first 3 months from account opening. When I clicked on the apply now, I was automaticallyt approved that same day. I actually submitted XXXX worth of merchandise in 2 months instead of it taking 3. 

I looked at my XXXX points and I had only been credited XXXX points instead of XXXX. I contacted customer service and they said I was only approved for XXXX points and spending {$2000.00}. I then escalated it the Executive Office and was told by an agent named XXXX XXXX that I was only approved for XXXX. I pointed out the facts of what I applied for and was approved for, but someone must have decided they didn't want customers that bad and changed it. I never received any notices saying anything different. I complied with my end of the deal, but they did not.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a debit card dispute with Capital One on XXXX XXXX for a debit card transaction. This dispute qualifies under Regulation E. Capital One did not complete the investigation within XXXX business days and did not issue provisional credit by XXXX XXXX. 

Capital One did not request any documentation or affidavit from me. When I contacted Capital One for a status update, I was told the investigation could take up to XXXX months. 

This exceeds Regulations E timelines. Capital One has not provided provisional credit, a written denial, or a written explanation for withholding provisional credit. I am requesting compliance with Regulation E, Issuance of provisional credit, and a written explanation of the investigation timeline.

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: 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: CA

Complaint narrative:
I disputed a {$470.00} charge from XXXX for a hotel stay that could not be used due to a total power outage at the property, with no backup power available. As a result, the room was uninhabitable and inaccessible, and the contracted lodging services were not rendered. 

Chase initially mishandled the dispute by incorrectly documenting it as a customer-initiated cancellation, rather than a non-performance of services. Based on this incorrect characterization, Chase initially found the charge to be valid. I had to reopen and refile the dispute to correct this error. 

After refiling, Chase issued only a partial credit of {$230.00}, asserting that partial services were provided, despite the fact that a hotel room without electricity can not be considered habitable accommodation. A disputes supervisor subsequently offered a {$100.00} courtesy credit, which I declined, as the issue is services-not-rendered, not goodwill. 

Additionally, during a follow-up dispute call, a Chase call-center representative in XXXX requested that I XXXX provide my full Social Security number for verification. I declined for security reasons. Given the sensitive nature of XXXX I believe this request was inappropriate and unduly risky to provide. 

Overall, Chase has mishandled this dispute procedurally and substantively, including incorrect initial documentation, inconsistent determinations, reliance on an occupancy-based assumption rather than habitability, and a concerning request for sensitive personal information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am resubmitting this complaint because I was never contacted by the Consumer Financial Protection Bureau, and the banks response contains serious inaccuracies that require review. 
The individual listed as the responding representative for Suncoast Credit Union does not appear in the Suncoast Credit Union employee directory, raising concerns that the banks response may have been submitted by an unauthorized or misrepresented party. This casts doubt on the legitimacy and completeness of the banks internal investigation. 

My mother, XXXX XXXX, is a vulnerable adult with a cognitive impairment. She has severe memory loss, lacks capacity to manage financial affairs, and is currently involved in a Florida guardianship proceeding. 

SunCoast Credit Union received medical documentation showing her incapacity. Despite this, the bank allowed her to revoke a Durable Power of Attorney ( XXXX ), the same XXXX that was expressly created to be used in the event of incapacity. 
An individual who lacks legal capacity can not revoke a XXXX 

The bank was placed on notice on XX/XX/year>, and XXXX independently provided the same information during the investigation initiated by Suncoast. Therefore, the banks position that it lacked notice is not credible and is contradicted by the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I purchased a vehicle from a XXXX XXXX dealer ( Excel XXXX XXXX ) as an out-of-state ( Maine ) consumer and XXXX in my prior vehicle. The car I bought XXXX XXXX XXXX XXXX XXXX ( VIN # XXXX ) on XX/XX/XXXX. I traded in my car a XXXX XXXX XXXX ( VIN # XXXX ). My new financing institution has confirmed that payoff funds were sent to the dealer for my trade-in loan ; however, the dealer has not paid off the prior loan. 
As a result, my old loan remains open and interest continues to accrue on a vehicle surrendered to the dealer. 
The dealer has also failed to complete title transfer and registration and has not provided permanent tags. 
I raised concerns within XXXX days of purchase regarding lack of disclosure and incomplete paperwork and requested cancellation ; the dealer refused and dismissed this as buyers remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX took my car as a trade in and never paid off the car, it has been more than XXXX weeks and the company doesn't know what happened to the payment and confirmed they never submitted payment. 

XXXX left a message with sales rep for an update, was told finance would contact me XXXX spoke with XXXX ( Finance Rep ) - stated that the systems are down and was unable to get details for me until Monday when the XXXX XXXX is available ( XXXX  ) XXXX Spoke to XXXX- rep that did the deal with me on date of purchase XXXX stated he doesn't know anything about the payoff of the car and would speak with XXXX about it. XXXX did not work Monday XX/XX/year>. 
XXXX Spoke to XXXX and he said he would speak to someone to get to the bottom of it XXXX XXXX gave me a number of the previous general manager that was let go on XX/XX/XXXX and stated I need to call him in order for my car to be paid off. I contacted " XXXX '' and he replied via text stating that he no longer works for XXXX XXXX since the company was operating without a license, but for me to contact the owner. I called XXXX the owner and she stated she no longer works there. 
XXXX I sent an email to XXXX XXXX XXXX XXXX and XXXX for an update with no response. 
XXXX XXXX XXXX informed me that I would need legal action since XXXX took my money and did not pay the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My HELOC Loan Note was assigned away from XXXX  XXXX XXXX about 5 years ago by XXXX XXXX XXXX XXXX to XXXX XXXX, owner and XXXX for XXXX XXXX XXXX XXXX. After recording the assignment on the deed of trust, XXXX XXXX  appointed XXXX XXXX XXXX XXXX to service my HELOC Loan. About XXXX ( XXXX ) months ago XXXX XXXX, owner and XXXX XXXX XXXX XXXX XXXX XXXX sold my HELOC Loan to XXXX XXXX, owner and XXXX XXXX XXXX XXXX XXXX. In actuality, XXXX XXXX  sold my HELOC Loan from its left hand to its right hand in a self-dealing transaction. Thereafter, XXXX XXXX, owner and XXXX XXXX XXXX XXXX XXXX appointed Selene Finance LP instead of keeping XXXX XXXX XXXX XXXX to service my HELOC Loan. 

I am filing a formal complaint against both Selene Finance LP and XXXX XXXX  for fraudulently imposing fabricated fees onto my HELOC loan at will and trampling the weaker party, the American consumers. None of the ledgers of the account reconcile. Selene Finance LP and XXXX XXXX  practice creative and deceptive account management to inflate my loan balance, arbitrary make up the Total Interest Due by concealing some of the received payments. Selene Finance LP never sent me mortgage statements on a monthly basis during the time when they took over servicing my HELOC loan. I requested from Selene Finance LP in writing to provide a full explanation for the fabricated charges added to my HELOC Loan account and the Monthly Statements for the last XXXX detailing payment due dates, amounts ( principal, interest, escrow, fees etc. ), but instead of proving all monthly mortgage statements for the last 3 years Selene Finance LP chose to cheery pick on which mortgage statements they wanted to provide only and concealed those they did not wish to provide. So far, Selene Finance LP still refuses to provide any explanation regarding their fabricated charges being disguised as Escrow/Impound Overdraft and Recoverable Balance after multiple written requests. I paid property tax every year directly to the County Tax Collector and to the best of my knowledge Selene Finance LP never paid a dime in property taxes on my behalf. I am entitled to the monthly statements by laws. Selene Finance LP as a loan servicer is obligated by federal rules and reinforced by state laws like SB 1142 to provide monthly mortgage statements, detailing payments, balances, and escrow activity etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
this is not my account the name is wrong so they are reporting wrong information to the credit Bureau, So right there show they need to removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX is being allowed to remove money from my bank account that i did not authorize. I have phone service through XXXX XXXX XXXX and internet through XXXX which was shut down in XXXX. I have been over charged. Contract agreement was for {$70.00} per month. I have a current bill for {$740.00}. XXXX bills at {$330.00} and another at {$400.00}. XXXX XXXX says for a phone service that they can not provide any proof of ; including XXXX number, serial number, phone number or any other proof or identification of the fictitious phones. After complaining they started with the {$70.00} fee again without seevice. Bank will not actually investigate it. I have been overdrawn for a month. They stack on fees even after multiple demands to stop processing anything into the account til a resolution can be achieved. Bank also stopped my autopay XXXX XXXX XXXX payments which has been my phone carrier the whole time i have been with chase. They also just stopped a Money transfer to another bank for a car payment that i am now in Jeopardy of losing. Chase bank and chase credit have been creating issues and adding fees. They refuse to investigate or put forth the effort into any issues brought to them.

Company response to consumer: Closed with explanation