vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 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: NY

Complaint narrative:
chase bank violated regulation E federal laws. A person went on my device and sent themselves money via XXXX. Chase denied my claim because the UNAUTHORIZED XXXX transfer came from my device. I provided them with a police report as well as a FTC report and they are still refusing to to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Previously submitted complaint and had the specific account removed from XXXX and XXXX. However, now they are reporting on my XXXX account, and I am not aware of any debt and I have not received any calls, or letters from them to understand what the debt could possibly be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Several accounts were opened in my name without my authorization. Fraudulent accounts were reported by XXXX XXXX XXXX and XXXX XXXX. Additionally, unauthorized hard inquiries were made on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I did not apply for or approve any of these accounts or inquiries. I have filed an FTC Identity Theft report and submitted disputes with the credit bureaus to request removal or correction of these items. These actions were taken to protect my credit and prevent further misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
It has been oveXX/XX/XXXX days or longer from original documents sent to debt collector as well as multiple Attempts to receive in writing the proper debt validation in writing I have yet to receive it from either debt collector or credit bureaus after multiple attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Ive sent dispute letters ( Under the Fair Credit Reporting Act XXXX and the Fair Debt Collection Practices Act XXXX ), debt validation letters ( FCRA XXXX, FDCPA XXXX, FCRA XXXX ) and letters explaining my identity fraud ( experian XXXX XXXX, as XXXX of many examples ). Yet no response or change.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am the son of the decedent, XXXX XXXX XXXX. This is a follow-up to XXXX # XXXX. On XX/XX/XXXX, Rushmore Servicing ( Nationstar ) sent a letter admitting that their Fraud Department determined a third party, XXXX XXXX, had 'impersonated the deceased client ' to gain unauthorized access to the account. I am specifically requesting the phone recordings and transcripts of a phone call placed on XX/XX/XXXX made by XXXX XXXX ( XXXX ) XXXX to Rushmore Servicing in which XXXX XXXX impersonated the deceased account holder XXXX XXXX XXXX ( XXXX : XXXX ) to authorize herself ( XXXX XXXX ) with third party access to the account. Pursuant to 12 CFR 1024.36 ( RESPA ) and 612 ( e ) of the Fair Credit Reporting Act, I requested the specific records of this fraud ( audio recordings, login IP addresses, and the internal investigation narrative ). Rushmore has refused to provide these 'exact details, ' claiming they are 'proprietary. ' However, under federal law, victims of identity theft or their legal representatives are entitled to the business records related to the theft. Rushmore is withholding evidence of a crime that is currently being investigated by the XXXX XXXX Police Department ( Report # XXXX ) and the XXXX XXXX District Attorney. I am requesting the CFPB compel Nationstar/Rushmore to release the audio recordings and investigative findings to the Estate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting a formal dispute regarding the above referenced account appearing on my consumer credit file. Upon careful review, I have discovered numerous inconsistencies and inaccurate reporting associated with this tradeline. The information being reported does not meet the accuracy standards required under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The following discrepancies require immediate investigation : Loan terms are reported inconsistently across bureaus ( Monthly vs.XX/XX/XXXXmonths ). Monthly payment information is missing or reported as {$0.00} despite a high credit amount of {$34000.00}. The account is listed as CLOSED while simultaneously reporting a past-due balance of {$21000.00}. Account classification varies between bureaus ( Installment account vs. Auto Loan ). Charge-off status wording differs between reporting agencies. Date last active is reported inconsistently ( XX/XX/XXXX vs. XX/XX/XXXX vs. XX/XX/XXXX ). Date of last payment differs between bureaus. These contradictions strongly indicate the account has not been properly verified and is therefore being reported inaccurately. Pursuant to my rights under : FCRA XXXX ( XXXX XXXX. XXXX ) Right to dispute inaccurate credit reporting FCRA XXXX ( XXXX XXXX. XXXX ) Furnisher responsibility to report accurate information UCC XXXX XXXX of Rights without Prejudice UCC XXXX Demand for XXXX and proof of claim I demand that your office provide the following documentation : XXXX. The original signed contract or security agreement bearing my signature. XXXX. A complete payment history and accounting ledger. XXXX. Documentation validating the alleged charge-off amount. XXXX. Proof of your legal authority to report this alleged obligation. If you are unable to provide competent documentation verifying the accuracy of this tradeline, you must immediately delete the account from my credit file with all consumer reporting agencies. Failure to correct or remove this inaccurate reporting may result in complaints being filed with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. Please complete your investigation within the XXXX period required by federal law. All rights reserved without prejudice.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I searched for a medical provider online and encountered many that disclosed nonrefundable fees. Eventually I found XXXX and in the screening process their system said I was approved and prompted me to input my shipping address and credit card info. My card was then charged and I was forced to go to another portal to fill out a medical intake form where it was apparent I did not qualify. I did not submit the medical intake form. There was no option to cancel or withdraw my order. I immediately tried to dispute the charge and emailed the company to cancel the transaction. They refused and stated that they hold {$100.00} for processing medical intake which I did not submit. Citibank denied my dispute even through I received no goods or services and did not submit any medical intake or medical forms.

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 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
The individual misrepresented that they would provide credit assistance and guidance to help me obtain approval for an apartment in exchange for payment. After I paid the agreed amounts on XX/XX/XXXX and XX/XX/XXXX via Cash App, the individual blocked my number and failed to provide any of the promised services. I have documentation of the payments and proof that the individual blocked my number. As a result, I believe I have been the victim of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a claim with them because my package was stolen from my front door. They closed the case saying that the claim is not valid because they provided a valid tracking number, of course the tracking number was valid but that wasn't the issue here. I tried to contact the company and they told me that they weren't able to help me and that's why I wanted my bank to help me but they closed my account and did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company : Citibank , N.A . ( XXXX XXXX XXXX XXXX by Citi ) Account : ending XXXX Consumer : XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Desired resolution : Reverse fees/interest, provide statements/ledger, correct any credit reporting, and provide a written confirmation of the corrected balance. Complaint narrative : I am filing a complaint about my XXXX XXXX XXXX XXXX by Citi ( account ending XXXX ) regarding late fees and interest charged after Citi closed the account and removed my access to online statements and transaction history. Key facts and timeline XXXX Before XX/XX/year>, I was experiencing financial hardship while enrolled in a XXXX XXXX XXXX program and attempted to close this account. Citi stated they would send me a letter containing a PIN required to complete the closure. I never received that PIN letter. XXXX On XX/XX/year>, Citi closed the account ( this was not initiated by me on that date ), and I did not receive a clear notice at the time. XXXX After the account was closed, I lost access to my online account and could not view statements, past transactions, or any amount Citi claims was due. XXXX Despite the account being closed and my loss of access, Citi has continued assessing late fees and related interest starting XX/XX/year>, without my knowledge and without any reasonable ability to monitor or pay. Attempts to resolve XXXX I contacted Citi online and was given XXXX to resolve the issue. XXXX When I called, the agent stated they could not help. What I am asking Citi to do 1. Provide full statement copies and an itemized account ledger ( all transactions, fees, interest, and notices ) from XX/XX/year> to present ( or at a minimum 6 months before and after XX/XX/year> ). 2. Confirm in writing the exact closure date, the reason for closure, and whether/when the PIN letter was generated/mailed ( including the address used ). 3. Reverse/waive all late fees and all interest associated with those fees assessed from XX/XX/year> to present. 4. If any negative credit reporting resulted from these fees, remove/correct it and provide written confirmation. 5. Provide a final written response showing the corrected balance and confirming no additional fees will be assessed. Please send all written responses to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. You may also contact me at XXXX or 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 2026-03-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/26 and XX/XX/26 Wells Fargo removed {$15.00} from my account. I have never authorized this money to be removed. I have never signed anything that allows this money to be removed. Wells Fargo is using it's access to my account to take money from my account without my permission. THIS IS THEFT.

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 monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Attempted serval times to reach in regards to the inaccuracies, incorrect amounts, & misspelled of name in question. Which as follows under consumer law Key Details to Ask For in a Validation Letter : Original Creditor Information : The name of the original company you owed. Itemized Amount Owed : A detailed breakdown of the debt, including the original amount, interest, fees, and any payments made. Proof of Debt/Contract : A copy of the contract, signed agreement, or the last billing statement from the original creditor. Date of Last Payment ( DOA ) : The exact date of the last payment, which determines the age of the debt. Statute of Limitations : Whether the debt is past the legal timeframe for suing, and the basis for that determination. Collector 's License Information : Proof that the agency is legally authorized/licensed to collect debt in your specific state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am submitting a complaint regarding my federal student loans that were serviced by XXXX XXXX and XXXX currently serviced by XXXX. I have documentation showing XXXX involvement with my loans prior to consolidation, including a Direct Consolidation Loan Summary listing multiple loans with Loan Holder Name shown as XXXX and XXXX XXXX XXXX. I am attaching the documents I can access immediately and will provide additional correspondence and payment history as needed. My core issue is the accuracy and completeness of my repayment history as it relates to Income-Based Repayment ( IBR ) forgiveness. My current federal loan records reflect a repayment start date of XX/XX/year>, but I made payments directly to XXXX XXXX prior to XXXX. If the official record is only counting repayment beginning in XXXX, my progress toward IDR forgiveness may be understated and delayed. I am requesting a full, written audit and correction of my repayment and servicing history, including all XXXX activity, and a written breakdown of my credited time toward IBR forgiveness. What I am requesting : A complete audit of my loan servicing and repayment history, including all XXXX payment activity with XXXX XXXX XXXX and confirmation that the records transferred fully and accurately to XXXX. A written breakdown of my qualifying payment count / credited months toward IBR forgiveness, showing which periods counted and which did not ( repayment, deferment, forbearance ), and the reason for any excluded periods. Correction of any missing or inaccurate repayment history that impacts IDR forgiveness credit, with written confirmation once corrected. Confirmation of whether my account was included in any XXXX-related redress/settlement/review population and, if not, the reason. I am providing supporting documentation now and will submit additional XXXX XXXX XXXX XXXX and correspondence in a supplemental submission once retrieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: SC

Complaint narrative:
In XX/XX/year> I obtained a loan with BHG LLC. I have asked numerous times for them to provide me with a monthly statement but they will only provide an amortization schedule. How do I know my payment is being applied correctly and no other fees are being added? They also have me listed as a business ( dba ). They do not report to the credit bureaus. I cant pay any additional payments to my principal. How can they have me listed as a business? I dont think this is a legit loan or business. Below are some additional notes about the loan and why I am filing a complaint. 1. Misclassification of the loan I am not a registered business but before they would release the funds they told me I had to say it was for business purposes. I really needed the funds to pay off other loans and credit card debt at the time so I said yes when they asked on a recorded line. I was required to state the loan was for business purposes and believe the loan may have been improperly structured to avoid consumer protections. 2. Lack of transparency BHG does not provide monthly statements does not provide clear principal balance updates and relies only on an amortization schedule 3. Restrictive prepayment terms There is a 48-month lockout period and the payoff requires all remaining payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I am responding to your contact regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act. I do not acknowledge this debt and request that you provide proper documentation verifying the following : XXXX. The name and address of the original creditor. XXXX. The original amount of the alleged debt. XXXX. A complete accounting of the amount you claim is owed, including any interest, fees, or charges. XXXX. Copies of any agreements, contracts, or documents bearing my signature showing that I agreed to this debt. XXXX. Proof that your agency is authorized to collect on this debt in my state. XXXX. Documentation showing you have been assigned or purchased the debt from the original creditor. Until you provide the requested validation, please cease all collection activity and reporting to credit reporting agencies regarding this account. If you can not provide the requested documentation, I request that this account be removed from all credit reporting agencies immediately. All future communication regarding this matter must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am disputing an alleged debt being reported and collected by LVNV Funding LLC and Resurgent Capital Services in connection with a XXXX XXXX account that I do not recognize as valid. I requested validation of this alleged debt on multiple occasions and sent my disputes via certified mail. Most recently, I disputed the account in XXXX and requested documentation verifying the existence and ownership of the alleged debt. In response, the company provided only a self-generated account summary. The company has not provided documentation from the original creditor verifying the existence of the account, the ownership of the debt, or the accuracy of the balance being claimed. Specifically, the company has failed to provide : a copy of the original signed agreement or account application a complete account transaction history or ledger documentation demonstrating the chain of assignment transferring the account from XXXX XXXX to LVNV Funding LLC documentation demonstrating the legal authority of Resurgent Capital Services to collect this alleged debt Additionally, the company continues to rely on outdated identifying information and has sent correspondence to an address that is no longer my residence. My correct address is : XXXX XXXX XXXX XXXX XXXX, MO XXXX Because proper validation has not been provided and multiple entities appear to be involved in servicing or collecting this account, I am concerned that this debt may be reported or collected without proper verification. I am requesting that this matter be investigated and that appropriate action be taken to ensure the accuracy and legality of the reporting and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: IA

Complaint narrative:
Please see my complaint from XXXX last year. This is another attempt, with a different bugus collection agency. The bill was paid on time 6 years ago. Just another scam. Please get this off my record like you did last time. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have attempted to dispute this account since XXXX XXXX when the account was opened by this company. I called the company with unspecific date to address the matter requesting original copies of documentation of contract with XXXX XXXX XXXX and asked how my information was provided to this company. The company threatened me with wage garnishment and a lawsuit. I contacted all three credit agencies about the account and requested the credit agencies to provide me with the process of verification. The agencies claimed to have verified accounts but have not provided the process of verification not documentation for verification. This account was sold to a collection of agencies releasing and violating my personal information and is trying to collect on a closed account. I selected arbitration on this account due to violating the bind contract between XXXX XXXX and myself.

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