vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received an XXXX Alert this afternoon about a debt collection charge for {$2800.00}. I contacted the company ( IC Systems ) to dispute this. They are fraudulently trying to seek this money and have damaged my credit report by over XXXX points with this fraud. The company is called I.C. System. They are attempting to collect and report a debt from XXXX from a company called XXXX XXXX. This is a violation of the FCRA ( re-aging ) and the FDCPA ( harassment/false representation ). Here is the history. I just checked by XXXX email : XXXX. XX/XX/XXXX. I signed up for a mail forwarding service called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX thru XX/XX/XXXX. I used their service for {$14.00} per month XXXX. Around XX/XX/XXXX I reached out to them to cancel the service, but they did not do it. 4. XX/XX/XXXX : I canceled the credit card so they wouldn't continue to charge me. 5. They continue to send me no reply emails saying my account had 30 days until canceled. The last no-reply email was on XX/XX/XXXX. 6. Today I got an alert on XXXX for a charge of {$2800.00} 7. I did an online search and found that they are fraudulently doing this to many people right now. Summary : This is a case of illegal re-aging and predatory collection practices. Since the debt originated in XXXX, it is 12 years oldwell past the 7-year legal limit for credit reporting and the statute of limitations for lawsuits in every state. By reporting this to XXXX today, I.C. System is violating the Fair Credit Reporting Act ( FCRA ). Because the last date of activity was XX/XX/XXXX, this debt became " obsolete '' for credit reporting purposes in XX/XX/XXXX. I.C. System is likely reporting a fake " Date of First Delinquency '' to make the debt appear new.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KS

Complaint narrative:
I am filing this complaint against Chime for failing to resolve a clear billing error under Regulation E. On XX/XX/2026, I placed a {$43.00} order at XXXX XXXX in XXXX via XXXX. Upon arrival, the restaurant was closed and dark due to a severe snowstorm. No services were provided. I have provided Chime with a timestamped photo of the closed restaurant and order confirmation texts. Despite this, Chime has denied my dispute twice. I attempted to contact the merchant as instructed, but their support emails ( XXXX and XXXX ) are returning DNS delivery errors, proving the merchant is unreachable. Chime is allowing a merchant to keep funds for services never rendered and is ignoring the physical and digital evidence I have provided. I am requesting a full refund of {$43.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The majority of the fraudulent activity is in the files uploaded which is a ftc report the one below is not in the report XXXX XXXX XXXX date opened XX/XX/XXXX of XXXX ( collection ) From XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
Consistent calling and call dropping. Depending on the day, when I answer, they drop the call before saying anything. They continue to call and affect my credit score even though I paid that school tuition in full. I went to the school personally and paid what I was told the person at the front desk said I owed. I thought I was done. About 4 months later I start receiving calls about the {$750.00} I still owe. I received a letter on XX/XX/year> itemizing why I owe what I owe. I think this is incorrect. I do not believe I owe this money. I believe the school is in trouble because the program I enrolled in, the XXXX certified technician program, had a total of 7 students in the program. Me and 5 other students all either dropped out, or got kicked from the program, leaving one student left. I believe they are trying to cut their losses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: DE

Complaint narrative:
Account : self/ lead bank Opening date : XX/XX/25 Amount {$3000.00} Heres a clear, firm statement you can use : I am writing to formally dispute this account, as I do not recognize it and did not open it. This account is not mine, and I did not authorize anyone to open or use it on my behalf. I believe this may be the result of fraudulent activity or identity theft. I am requesting that this account be investigated immediately and removed from my records. Please provide me with any documentation related to the opening of this account, including the application and any identifying information used. I also request written confirmation once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is connected to my bank. Cash app took money out of my bank account and transferred it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of my credit card accounts during a recent period of financial hardship. I have been a Capital One customer for several years and have generally maintained my account responsibly. The only late payments on my account have occurred within the past 3/4 months due to financial hardship, and even then, payments were only a few days late. I proactively contacted Capital One to request hardship assistance and discuss repayment options. Most recently, I called today, XX/XX/XXXX, but I was not offered any meaningful assistance or relief options. I spoke with Senior Manager XXXX who did not want to help or escalate the call. My current APR is 28.24 % for QUICKSILVER and 28.99 % for XXXX, which appears to be the maximum rate applied to my account. With continued late fees and a nearly 30 % interest rate, it is extremely difficult to make progress toward paying down my balance. I am actively trying to resolve this debt and avoid further delinquency, but the current terms make repayment increasingly unrealistic. I am requesting : A temporary interest rate reduction Reversal of recent late fees incurred during hardship Access to a structured hardship or repayment program I am acting in good faith and seeking a reasonable path to repay what I owe. I am requesting review and assistance in resolving this matter fairly. Thank you for your attention and I hope to get a response soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Dear XXXX / Customer Support / Fraud Department, I am writing to follow up regarding the ongoing hold on my account related to the checks currently under review. From your previous communication, I understand that attempts were made to contact the issuing bank, XXXX XXXX XXXX, for verification. However, I have since confirmed with the issuer that their bank has indicated they did not receive any such verification request or call. To help resolve this matter promptly, I would like to provide a contact number for the issuing bank : XXXX. I kindly request that you attempt verification using this number or confirm whether the correct contact details are being used for the verification process. Alternatively, please advise if there are other acceptable methods to complete this verification, such as documentation or written confirmation from the issuing bank, so that I can assist in facilitating a quicker resolution. Given that this matter has been ongoing for over a month, I would greatly appreciate your assistance in expediting the process and providing an update on the next steps. Thank you for your attention, and I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: MS

Complaint narrative:
Possible finance is falsely reporting on my credit. I have never had any accounts with them to my knowledge. per my research Possible finance is online loan company that is not a debt collector. They are falsely reporting on my credit! Account XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. Code 1618d- disclaimer of investigation consumer report, you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: MO

Complaint narrative:
Notified through XXXX XXXX a debt for XXXX was now on my credit report. The previous 3rd party company removed it after disputing what they claimed was owed. Prior to the notification on XXXX XXXX I had not been notified through email, phone or mail. The current company is Valor Intelligent processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase bank on XX/XX/year>. I had been sent a {$500.00} bonus offer to do so. The offer read : Open account and deposit either XXXX XXXXXXXX ( for a {$300.00} bonus ) or XXXX XXXX ( for a {$500.00} bonus ) within 30 days from offer enrollment. Maintain the money ( at least {$2000.00} for the {$300.00} offer OR at least {$10000.00} for the {$500.00} offer ) in the new checking account for at least 60 days from the offer enrollment. If new money deposit amount decreases below the threshold during the 60-day period, your offer amount may change or your checking account may no longer qualify for the offer. So I did this very thing following the instructions to the tee. I opened the account. I deposited XXXX before 30 days had passed and left it there for the 60 days ( even longer ) from the enrollment date which was XX/XX/XXXX. I did make a withdraw on XX/XX/XXXX but this was after that 60 day term period. They are saying now that I only earned {$300.00} because I did not leave {$10000.00} in the account for a full 60 days. That is not what the offer said and is still on their website to this today. It says you have 30 days to deposit money, then leave it until 60 days from enrollment date. So basically the XXXX XXXX had to be there for at least 30 days. They owe me {$200.00} more bonus money. They may have meant to say they wanted me to leave the XXXX XXXXXXXX in there for 60 days total, but that is not what they wrote in the terms and conditions. They want to change the rules now i guess. Well fine going forward. But pay me what the terms were when I opened the account. These terms are also in hard copy with the documents given me on opening day. I can provide what ever is needed......

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im officially submitting this complaint because my credit report shows late payments that are not accurate. These entries dont reflect my real payment history and are unfairly hurting my credit. I need these incorrect remarks investigated and removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint regarding a deferred interest charge applied to my CareCredit account issued by Synchrony Bank. I recently discovered that a promotional financing period expired on XX/XX/year>, and I was subsequently charged {$1400.00} in deferred interest. I was under the genuine impression that this promotion functioned as a standard 0 % APR offer, not a deferred interest arrangement where all accrued interest would be added retroactively if the balance was not paid in full. At no point did I receive a clear and conspicuous notification immediately prior to the expiration date warning that a large deferred interest charge would be imposed. Had I understood this correctly, or received a clear reminder, I would have paid the remaining promotional balance in full before the expiration date. I have consistently made payments on this account in good faith and was actively managing the balance. In fact, I am currently prepared to pay off the remaining balance immediately to resolve this matter. I contacted Synchrony Bank customer service and escalated through all available channels, but I was told no further action could be taken and that the interest charge would stand, including that managers do not take phone calls nor escalations. I am requesting a review of this situation, as I believe the structure and communication of this promotion were not sufficiently clear to a reasonable consumer. As a resolution, I am requesting a one-time courtesy adjustment to remove or substantially reduce the {$1400.00} deferred interest charge. I am willing to immediately pay the remaining balance upon resolution. Their standard window is 30 days, I noticed and called on XXXX the day following the 30 day window, so asking for an 11 hour extension to their standard operating procedure. I am not disputing the underlying charges or avoiding payment of my balance. This request is specifically related to the deferred interest charge, which I believe resulted from a misunderstanding due to insufficiently clear communication. Thank you for your time and consideration.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On Or about XX/XX/XXXX I sent letters to the bureaus and a letter to this company, requesting specific information and as to date I have not received any response. I need the name of the original creditor, along will any debt validation such as signed contract, transfer of ownership from original debtor. This has caused me tremendous stress to try and figure out how this originated. Under the FDCPA I am entitled to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
Prestige sent a letter to sale vehicle to an old address I never knew where the car would be going or amount it was sold for. A year later I'm getting notices to pay via email but the couldn't email me about the sale. Balance XXXX opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account has unreliable data. Please correct it.

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 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Prior CFP complaint was marked closed without addressing the core issues. -Newrez admitted escrow repayment terms are flexible by extending from 12-24 months. My request for 6-months was denied without guideline being cited. My complaint Newrez has failed to provide FHA, investor, or servicing rule that limits escrow repayment to 12- or 24 months. Newrez provided inaccurate information regarding township tax option by asking about a " payment plan '' instead of actual pre-delinquent payment method that allowed residents to pay into their account to up to the due date. THIS reflects failure to properly investigate the Borrower-Provided documentation. Further, The compliance issue, The loan is insured by FHA and is subject to HUD servicing standard. FHA requires servicers to evaluate loss mitigation through a structured waterfall to prevent default. Newrez has sent notice of a single point contact. Initial contact was made via phone call in XXXX actionable items were discussed. However, Single point contact has failed to follow through. Single point contact has missed schedule phone called calls appointment, Single point contact has not responded to ANY emails requesting status or Loss Mitigation next steps. Presently Newrez has not demonstrated that a full FHA water review was completed. Payment increased from {$1800.00} to over {$4000.00}, creating payment shock. I am requesting documentation of FHA XXXX FHA XXXX review I am requesting approval of 60 months escrow repayment plan I am requesting guidelines showing any restriction if denied I am requesting documentation of township contact, day called, questions asked.

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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I attempted to contact someone at Rocket Mortgage about how to go about dropping my PMI. I was directed to an on-line chat system at www.rocketmortgage.com. I was told to use the drop button at the FAQ and it explained what terms you need to meet before any consideration can be taken. I then engaged with the AI Chat it provided for typing in what I was wanting to ask. The Chat AI kept telling me to look at the FAQ drop down button. When I told them that I had done that already and that I needed further information, they kept directing me the same FAQ drop down button. I then asked for a phone number to speak to a live person, and they sent me two XXXX numbers. When I called one of the numbers, I was directed to their website. I asked to speak to an agent and the recording kept directing me to the website, and at other times, it said it could not understand me even though I was talking very loud. I then found a local number on XXXX and was directed to a live agent and this agent was having a hard time understanding what PMI meant. She kept coming on the phone asking me questions and then said she would be right back. This went on for 15 minutes and I finally hung up.

Company response to consumer: Closed with explanation