vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a collection notice from Pinnacle Recovery Inc. regarding an outstanding balance linked to a XXXX, XXXX XXXX account, specifically number XXXX. Since Ive been a XXXX holder with XXXX for many years, my own fully paid account being XXXX, I reached out to them immediately for clarification. Upon their investigation, XXXX informed me that an account had apparently been created on XX/XX/XXXX, in XXXX XXXX, Nevada, supposedly in collaboration with someone named XXXX XXXX ( person unknown ). Before receiving this collection notice, I had absolutely no knowledge of this account, and I was not in XXXX XXXX at that time. After many hours of trying to deal with XXXX over the phone, they advised that I follow up directly with Pinnacle, as the account was already in default and they couldnt do anything further on their end. When I contacted Pinnacle, they informed me that they would reach out to XXXX to obtain the original application documents. Typically, these include a signed signature and copies of identification. However, the only thing they provided was an application with a digital signature that doesnt match my information. The home address and contact details on record are completely different from mine. Furthermore, I wasnt anywhere near XXXX XXXX on that day. In fact, I am also providing documentation showing that on XX/XX/XXXX, I was at home dealing with the unfortunate euthanizing of a family pet. This is an addition to the copy I have available of the collection notice received, the supposed application that I agreed to, and a most recent email that they are now sending me about the collection balance. Given all of these discrepancies and the fact that its simply impossible for me to have been in XXXX XXXX finalizing a second XXXX under the circumstances, Im formally requesting that my name be completely disassociated from this fraudulent account, which again is account number XXXX. Thank you for your immediate attention to resolving this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My account was randomly frozen I was not given notice of account closure prior to this. I asked for reason account was closed and was told they could not see why. I just no longer has access to funds and can not get anyone to tell me when a check will be mailed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash App account was closed in XX/XX/2025 for an alleged violation of the Terms of Service. However, I was not provided with a clear explanation identifying the specific transaction, activity, or rule that I allegedly violated. I used my Cash App account for normal, everyday purposes, including receiving money from my father for work, sending money to family members, and making standard purchases such as food and services. For example, I have attached transactions showing payments received from my father, payments sent to my sister, and a payment for music promotion services with a XXXX XXXX XXXX XXXX XXXX I also used the Cash App Borrow feature on XX/XX/2025, where I borrowed {$100.00} and currently have an outstanding balance of approximately {$120.00}. I contacted Cash App support to request clarification, but I was only told that the decision was final and was not given any specific reason or evidence of wrongdoing. Additionally, I was informed that I am not allowed to create a new Cash App account, and that my identity may be restricted from using the platform entirely, which has impacted my ability to send and receive money for normal personal use. I have never intentionally engaged in fraud or any prohibited activity, and I believe my account activity reflects normal consumer usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I lost my job after XXXX XXXX of employment with a XXXX XXXX that was going through financial difficulty and tried multiple times to get a forbearance or reduced mortgage payment. Hundreds of phone calls and documents, a third party mortgage assistance specialist, attorneys... One forbearance was approved, I made the payments, then they sent the money back after XXXX months and said they couldn't accept a partial mortgage payment. When I sent the letters with the forbearance approval, they advised that was temporary and I was supposed to make the full mortgage payments. They never sent anything reflecting that when the forbearance was approved. They then started foreclosure proceedings. WF then advised I needed to go through a mortgage modification program. I completed it, then they said they couldn't assist and tried to foreclose. Once the 3rd party mortgage modification associate was able to reach someone higher in WF, they approved a review and I had to attend a program through the State of Delaware. It was completed and when we went to the final meeting, I was advised I had XXXX days to get the mortgage caught up or they would foreclose. It was a nightmare. WF said I was denied because I didn't accept the modification. The modification they offered was at first {$100.00} per month off my mortgage payment, then {$20.00} off my mortgage payment. I was receiving unemployment and a small amount of state assistance for food. The amount I was receiving was less than what they requested I pay them. I explained multiple times as did the mortgage counselors and attorneys I didn't have enough from the unemployment funds, but WF said it had to be paid or they would foreclose. I just saw this class action lawsuit from XXXX and WF never contacted me about it. The info shows : Wells Fargo unfairly prevented some borrowers from making modifications to their loans in order to avoid foreclosure. The bank also wrongly reported some customers as deceased, and overstated attorney fees led to denied applications and resulted in thousands of wrongful foreclosure actions. I should have been included in this.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My Apple credit card, administered by XXXX XXXX, routinely takes XXXX days to apply a payment to my account balance. This has caused me extreme inconvenience as there were times I was traveling and stranded because this was the only payment card I had with me. 1. Payment was coming from my own checking account with a name that obviously matches the name on the credit card. 2. I've made payments from this account to the credit card hundreds of times 3. No other card issuer delays payments in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi my name is XXXX XXXX. I am filing this complaint against Transunion. There are XXXX fraudulent accounts reporting to my Transunion report. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX are fraudulent. The addresses XXXX 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 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 XXXXXXXX are fraudulent addresses. The phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are fraudulent. In addition to the fraudulent accounts and the inquiries already listed XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> are also fraudulent. Please remove these fraudulent accounts from my report as they are making it impossible for me to obtain credit. I have attached a copy of my FTC identity theft report, statement, and supporting documents.

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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I am filing this complaint against Rocket Mortgage for violation of RESPA 12 CFR 1024.33 regarding improper late payment reporting following a servicing transfer. My mortgage loan was transferred from XXXX XXXX to Rocket Mortgage, with Rocket beginning servicing on XX/XX/XXXX the same date my monthly payment was due. Rocket Mortgage has explicitly disabled recurring/autopay for my loan. Their own customer portal displays the message : 'Recurring payments are not available for this loan. ' I have screenshots documenting this. My payment history prior to the transfer was perfect, with consistent on-time payments in XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. The XX/XX/XXXX payment was not collected due to the servicing transfer. Rocket Mortgage subsequently mailed default notices in XXXX and XX/XX/XXXX. I brought the account fully current on XXXX XXXX XXXX day XXXX of the 60-day RESPA grace period prior to expiration of Rocket Mortgage 's reporting restriction under 12 CFR 1024.33. Despite this, Rocket Mortgage is attempting to report this XXXX payment as late to the credit bureaus. This is a direct violation of the RESPA 60-day grace period under 12 CFR 1024.33, which prohibits a new servicer from reporting a late payment attributable to transfer disruption during the 60-day period following the transfer effective date. That grace period runs XX/XX/XXXX through XX/XX/XXXX. The account was cured within that window. Additionally, I never received proper advance written notice of the transfer as required by 12 CFR 1024.33 ( b ), which mandates notice at least 15 days prior to the effective transfer date. This constitutes a separate and independent RESPA violation. I am requesting : 1. That the CFPB investigate Rocket Mortgage 's compliance with RESPA 12 CFR 1024.33 2. That Rocket Mortgage be directed to refrain from any adverse credit reporting related to the XX/XX/XXXX payment or XXXX payment 3. That Rocket Mortgage provide written confirmation of their RESPA compliance obligations and acknowledgment that no adverse credit reporting will occur I have screenshots of the Rocket Mortgage portal confirming autopay is disabled, my complete payment history showing a perfect pre-transfer record, and default notices mailed by Rocket Mortgage in XXXX and XX/XX/XXXX, all available to support this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding significant delays in processing my XXXX buyback request submitted in XX/XX/XXXX. I have been employed full-time by a qualifying non-profit healthcare organization since XXXX and have submitted Employment Certification Forms annually to verify qualifying employment. Based on my employment history, I have reached well over XXXX qualifying XXXX months. I switched to the XXXX repayment plan and continued making qualifying payments until the recent court action paused the XXXX program and placed borrowers into administrative forbearance. Because of this pause, I submitted a XXXX buyback request in XX/XX/XXXX to receive credit for the months affected by the administrative forbearance so I can complete XXXX forgiveness. Timeline : Full-time employment with qualifying non-profit employer since XXXX. Employment Certification Forms submitted annually. Enrolled in XXXX and making qualifying payments. XXXX program was paused due to court action and loans were placed into administrative forbearance. Submitted XXXX Buyback request in XX/XX/XXXX. As of today, the buyback request has not been processed and I have not been given a timeline despite multiple inquiries. This delay is preventing my loans from being XXXX despite meeting XXXX requirements. I am requesting immediate review and processing of my XXXX buyback request and discharge of my loans if my qualifying payment count exceeds XXXX. I am seeking : 1. Immediate review and processing of my PSLF buyback request. 2. Confirmation of my qualifying payment count. 3. Discharge of my loans if I am over XXXX qualifying payments. 4. A clear timeline and written communication regarding my case.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was suppose to receive an ssi deposit for XXXX XX/XX/XXXX or the XXXX into my Chime account. I never received the deposit of XXXX into my account I called social security and they said the did a electric transfer XX/XX/XXXX. So my funds should be in my account. I called chime and they said they didn't receive any monies or transfer for my account. I had social security send me confirmation of the transfer. But chime keep giving me the run around. Chimes refuse to take this claim seriously and location my missing money. I live on a fix budget and need my money.. I have reached out to chimes numerous times and still nothing has been done...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a Barclays-issued co-branded airline credit card specifically to take advantage of a promotional offer tied to a travel purchase. After making a time-sensitive airline charge, Barclays froze my account and required identity verification exclusively through mailed documents, refusing to provide any electronic or real-time verification option. I have repeatedly attempted to resolve this by phone and have been unable to reach any supervisor, account specialist, or escalation team. Frontline representatives refuse to transfer calls and block access to higher-level review. This has resulted in my account access being restricted, despite my willingness to immediately verify my identity through standard electronic methods. As a result, I am unable to use the account as intended and am being denied the promotional benefit that prompted the account opening. I am requesting : Immediate removal of the account restriction through alternative verification methods, and Resolution of the transaction issue, including dispute or adjustment of the airline charge if access can not be restored promptly. This situation represents a failure to provide reasonable access to account services and a lack of escalation pathways for resolution.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One Bank regarding an unreasonable and unexplained extended hold on my deposited funds. On XX/XX/XXXX, I deposited a settlement check of {$71000.00} Check Number XXXX dated XX/XX/year> into my Capital One Bank checking account. This check was from a legitimate legal settlement for back wages and at the time of deposit, I was informed that there would be a XXXX day hold on the funds for large amount out of state checks. I called the bank on XX/XX/XXXX and was told verbally that a XXXXday hold was placed on the funds for basically no reason as they confirmed the funds were there, but cant verify the funds over the phone with issuing institution XXXX XXXX Bank so they are forcing me to just wait XX/XX/XXXX months as Im now facing homelessness and they wont even give me partial payment for hardship as they said its all or nothing no specific reason for hold they just said they saw something thats not a legitimate reason for the hold. I went into the branch the next day on XX/XX/XXXX after phoning customer service speaking with supervisors and got no where and have called the client XXXX XXXX XXXX XXXX whom wrote the check with my bank Capital One Bank on the same phone line stating funds are valid and I have my legal letters to prove these funds are due to me, but Capital One Bank is still refusing to comply and deposit the funds into my checking account. I called again on XX/XX/XXXX attempting to get somewhere with other supervisors for XX/XX/XXXXwith same outcome so now wasted days andXX/XX/XXXX of stress and time for no legitimate reason. I refuse to be homeless when these funds are legitimately mine. After the XXXXday period passed, Capital One Bank refused XXXX release the funds and instead informed me that the hold had been extended to approximately XX/XX/XXXX days ( until XX/XX/XXXX ), claiming their fraud department flagged the check and they have not provided a clear or specific explanation for this determination. Additionally : I have been a Capital One customer for approximately XX/XX/XXXX years with no prior issues. I deposited a separate check for {$9300.00} on XX/XX/XXXX, which cleared within XX/XX/XXXX days on XX/XX/XXXX. Capital One claims they sent a notice explaining the hold, but it was sent to an incorrect email and I did not receive proper notification and reason for hold as they are refusing to release any portion of the funds, even under financial hardship and no justification. This situation is causing severe financial distress I am at immediate risk of being unable to pay rent and facing homelessness, despite having sufficient funds that the bank is holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
My old phone broke and since then I have gotten new one but I don't remember the password to XXXX and that's how I was able to get into my old account on cash app and I talked with them and sent emails to what they call there higher ups as they call them and have not received no help im very disappointed and am ready to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: ND

Complaint narrative:
Product : Personal Loan Company : OppLoans ( Opportunity Financial , LLC )/ XXXX XXXX Bank Complaint : I am filing a complaint regarding a high-interest installment loan that I believe violates XXXX XXXXXXXX lending laws. I received a {$1400.00} loan with an APR of 159.79 %. North Dakota law caps consumer loan interest rates at 36 % unless the lender is properly licensed. Opportunity Financial , LLC ( OppLoans ), which services and controls this loan, is not licensed in North Dakota. Although XXXX XXXX Bank is listed as the lender, OppLoans performs the primary functions of the loan, including servicing, payment processing, and customer interaction. This indicates a true lender structure designed to bypass state interest rate limits. I have paid a total of {$1600.00} toward this loan. However, only {$390.00} was applied to principal, while {$1200.00} was applied to interest. In at least XXXX instance, 100 % of my payment was applied to interest and {$0.00} to principal. Despite having paid more than the original loan amount, the company claims I still owe {$1500.00}. I formally dispute this balance. I believe the interest and finance charges are unlawful and that I have already satisfied the principal obligation. I am requesting : - A correction of the account balance to {$0.00} - The account to be marked as Paid in Full - Correction of any negative credit reporting I attempted to resolve this directly with OppLoans, but they refused without addressing the legal issues raised. This appears to be an attempt to collect unlawful interest in violation of North Dakota law and potentially federal consumer protection laws. Attachments : Loan agreement and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation