vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from American Express XXXX XXXX denying my application for the XXXX XXXX Preferred card ( Ref. XXXX ). The denial cited " serious delinquency on one or more accounts '' and past-due amounts as key reasons. I dispute this determination as inaccurate. The same adverse action package disclosed that my XXXX score obtained from XXXX on XX/XX/year>XXXX was XXXX a score widely recognized as " good '' and inconsistent with a borrower carrying a serious, current delinquency. The co-existence of a XXXX XXXX score with a denial citing serious delinquency strongly suggests the adverse data is either erroneous, outdated, or misattributed. American Express also pulled data from XXXX and XXXX XXXX XXXX in addition to XXXX. I have no knowledge of any recent delinquency with any creditor. I am simultaneously disputing the underlying data with all three reporting agencies under the FCRA. I am requesting that the CFPB require American Express XXXX XXXX to : ( 1 ) identify the specific tradeline ( s ) cited as delinquent, ( 2 ) provide the consumer reports used in the decision, and ( 3 ) reconsider my application upon correction of the inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: MD

Complaint narrative:
On XX/XX/year>, I discovered a collection account from IQ Data XXXX in the amount of {$5000.00} on my credit report. On XX/XX/year>, I submitted a written dispute requesting full validation of the alleged debt pursuant to the Fair Credit Reporting Act, 15 USC 1681i, and the Fair Debt Collection Practices Act, 15 USC 1692g. I requested a copy of the original signed agreement, full payment history, and proof that the company has legal authority to collect this debt. The company has failed to provide any validation or documentation. Despite receiving my dispute, they continue to report this account on my credit file and have repeatedly contacted me regarding payment through phone calls and other communications. Their actions are harassing and create undue stress, and they continue collection activity without providing any documentation validating the debt. This conduct violates the Fair Debt Collection Practices Act, 15 USC 1692g, which requires a debt collector to cease collection activity until proper validation is provided after a written dispute. Additionally, continuing to report unverified information violates the Fair Credit Reporting Act, 15 USC 1681i and 15 USC 1681s-2, which require a reasonable investigation and prohibit reporting information that can not be verified. I am requesting immediate investigation and removal of this account if proper validation can not be produced, as well as cessation of all collection activity and harassment until full documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am filing a complaint against Rocket Mortgage regarding my mortgage account ending in XXXX. Rocket Mortgages phone system does not provide meaningful access to a live representative within the insurance department. On XX/XX/year>, I spent approximately four hours attempting to reach someone regarding flood insurance tied to my loan. The automated system repeatedly routed me through prompts without providing access to a person who could address the issue. As a result of the inability to resolve this matter, I have been forced to pay my flood insurance premium up front through XXXX XXXX in order to maintain manageable monthly mortgage payments. The flood insurance product being provided or required through Rocket Mortgage is nearly twice as expensive as coverage available through the XXXX XXXX XXXX XXXX ( XXXX ). Under RESPA and Regulation X ( 12 C.F.R. 1024.37 ), a servicer may not impose force-placed insurance if a borrower maintains adequate coverage and provides proof of insurance. The lack of meaningful access to the insurance department is preventing proper coordination and timely recognition of my independently obtained coverage, creating risk of unnecessary force-placed insurance or inflated escrow charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: MS

Complaint narrative:
When I worked for the school district it was a low income school. The program I was on was the Public Service Loan Forgiveness Program. I was never given any credit for the time that I worked. I worked on this job for 28 years. I think I should have been given credit for the work I did or these loan should be forgiven. To all to this complaint there is information on all three of the credit report company that have incorrect information on it for me. They have an address on there for a place that I never lived at. I need that removed. That person was my ex-husband address in XXXX not mine I never lived there it needs to be taken off of all three of the credit reports companies. Thank you for your time and understanding.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA [ XXXX ] XX/XX/year> Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and unverified information reporting on my credit file under my rights granted by the Fair Credit Reporting Act, including but not limited to 15 USC 1681g and 1681i. The following account ( s ) are inaccurate and/or incomplete : Creditor/Furnisher Name : RESURGENT/LVNV FUNDING Account Number : XXXX Under 15 USC 1681g, I am requesting full disclosure of all information in my file related to this account, including the original contract, payment history, and any documentation bearing my signature. Under 15 USC 1681i, I am formally requesting a reasonable investigation of this account. If this account can not be properly verified with competent evidence, it must be deleted immediately from my credit report. If this account has been placed for collections, please treat this as a request for validation under 15 USC 1692g. Provide : The original signed agreement Proof of assignment or ownership of the debt Complete payment history Documentation showing I am legally obligated If you can not provide the above documentation within 30 days, you are required to remove this account from my credit report. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Applied for a Bank of America business card, it was approved. Got approved and got confirmation email on XX/XX/XXXX it was being delivered. It is now over a week later and the card has not arrived. I tried to phone B of A and there are interminable holds ; there is no chat function on the B of A app. Please get them to ship my card so I can use 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid {$1300.00}, which was the full amount requested by the property manager for prorated XXXX rent, amenities, and prior month utilities in connection with my XX/XX/XXXXXXXX move-out. That payment was made on time and satisfied the balance communicated to me. After move-out, a late fee and an unexplained opening balance were added to the account, resulting in an alleged remaining balance of approximately {$280.00} {$280.00}. These charges were never previously disclosed or itemized, and no explanation was provided as to how they were calculated. Between XXXX and XX/XX/XXXX, I made multiple written and verbal attempts to request clarification and removal of the late fee, as I had paid the full requested amount on time. I did not receive a substantive response or a corrected ledger. The account was later referred to Fair Collections & Outsourcing for collection and reported as a collection account. I previously disputed the debt. The collector stated they verified the debt with the property manager ; however, I was not provided with an itemized ledger or documentation substantiating the late fee or opening balance. On XX/XX/XXXX, I sent a certified written correction request to the property manager requesting a complete itemized ledger and correction of any inaccurate reporting. I received no response. I reopened my dispute with the collection agency in XX/XX/XXXXXXXX and also reopened disputes with the credit reporting agencies. This collection account is currently preventing me from securing housing for employment purposes. I must demonstrate a clear balance by next week or my housing application will be denied. I am seeking correction or deletion of the account unless the charges can be properly substantiated.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc.
State: FL

Complaint narrative:
The company INVESTMENT RETRIEVER XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX phone number : ( XXXX ) XXXX This correspondence constitutes a formal notice of violation under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681e ( b ), every consumer reporting agency and furnisher of information is legally obligated to maintain the maximum possible accuracy of all data reported. This is inaccurate and unverified debts being reported on my credit. I dispute the account listed this is the first time I hear about this company. I DO NOT have any responsibility for the debt youre trying to collect. They must cease attempting to collect this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Exto Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding my issuers handling of a dispute involving merchandise that was never delivered. The issuer, Atlas XXXX, is incorrectly applying Regulation Zs 60day billing error limit to deny the dispute. This is improper because nondelivery of merchandise is not a billing error, and therefore the 60day limit does not apply. The issuer is also refusing to process the dispute under the required XXXX chargeback rules, which allow 120 days from the expected delivery date for nondelivery claims. This refusal prevents me from accessing the dispute process entirely. These actions violate 12 CFR 1026.13, which requires the issuer to conduct a reasonable investigation and prohibits the issuer from providing inaccurate information about a consumers dispute rights. I am requesting that the CFPB review the ( Atlas ) issuers handling for violations of Regulation Z and require the issuer to process the dispute correctly. If the issuer continues to refuse to comply with federal law or XXXX rules, I will escalate further as appropriate. I paid for a XXXX XXXX XXXX device through XXXX, from the merchant XXXX, with an estimated delivery date of XX/XX/year>. The merchant has repeatedly delayed the product, materially changed the hardware, admitted the XXXX model is on indefinite hold, and attempted to force backers into paid upgrades. They have not delivered the product and have not issued a refund. When I filed a dispute with my issuer ( Atlas ), they refused to process it correctly. They misclassified the dispute as a billing error and incorrectly applied Regulation Zs 60day limit, even though nondelivery disputes are not subject to that limit. They also refused to submit the dispute through XXXX chargeback system, which allows 120 days from the expected delivery date for merchandise not received. Atlas failed to conduct a reasonable investigation, provided inaccurate information about my rights, and blocked access to the dispute process entirely. Their actions violate Regulation Z ( 12 CFR 1026.13 ) and XXXX dispute handling rules. I am requesting regulatory review and correction of the issuers handling of this dispute. Total price of the XXXX, which was paid in XXXX installments on XXXX, XXXX, and XXXX XXXX, of 2025 for a total of about XXXX XXXX. The XXXX edition, which is what my tier was, has been effectively canceled, and XXXX wants me to pay XXXX USD to upgrade to the other product, along with an inflated shipping cost of about XXXX dollars. Feel free to reach out for any documentation or other information you may need. I have all of Atlas ' replies and mishandling of the dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
I am filing a complaint regarding a denied Regulation E dispute. A {$1200.00} charge was made on my Robinhood XXXX XXXX on XX/XX/XXXX. I reported it immediately. Although a verification code was completed, I did not knowingly authorize this purchase. The approval was obtained under misleading circumstances, and I did not intend to approve a {$1200.00} ticket transaction. The tickets have not been delivered or used, and I received no benefit from the purchase. This is my first fraud claim. The dispute was denied solely based on authentication completion. I am requesting reconsideration under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
Company Name : Aldous & Associates Account Number : XXXX XXXX XXXX ( as shown on credit report ) Original Creditor : XXXX XXXX Amount : {$330.00} I am filing this complaint regarding Aldous & Associates for failure to properly validate an alleged debt and for reporting inaccurate and unverified information to the credit bureaus. This account is being reported as a collection account in the amount of {$330.00}. I dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 and 623 ), I have the right to receive proper validation of any alleged debt and to have only accurate, verifiable information reported on my credit file. Aldous & Associates has reported this account as an open collection without providing : A copy of a signed contract or agreement bearing my signature Complete payment history from the original creditor Documentation showing how the balance of {$330.00} was calculated Proof of legal assignment or authority to collect The date of first delinquency Proof they are authorized to report to consumer reporting agencies Reporting a debt without proper validation and documentation violates federal law. If this company can not provide full and complete validation of this alleged debt, they must immediately delete this account from all credit reporting agencies. I am requesting : 1. Full written validation of this debt, including all documentation listed above OR 2. Immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX. If this matter is not resolved, I reserve the right to pursue further legal remedies. This debt remains disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I was sent XXXX $ by a friend to cover trip expenses to see my brother and niece. My niece is barely XXXX old, shes having XXXX XXXX this Wednesday on XX/XX/XXXX. I owe cash app around XXXX , and Ive always paid them in full, with interest whenever applicable. I didnt even receive the notification from the app that I had received the funds my friend sent me until AFTER they had charged the balance in order to collect their debt. They collected the entirety of the XXXX XXXX did not ask for me to verify whether or not I wanted to make that transaction whether it be in full or partial repayment, it all happened automatically without the app being open. My job pays me in irregular intervals and I simply cant afford to pay them at the moment AND see my niece/brother during their time of need without financially ruining myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: KY

Complaint narrative:
I have issues with Cash App Block , Inc., formerly known as Square, Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, Attn : Customer Website : https : //cash.app/support whats happening was on XXXX around XXXX i was going to XXXX get some groceries there some how i want do transfer money from savings account to account account so I can begin paying well what happened is i found out my account was closed and i call them to ask what happened to dont tell me why ask for my remaining balance they say it showing XXXX $ myself know that I have more then XXXX in savings account one of the costumer services to me yesterday I cant get back i was almost crying when I heard that still feeling something wrong bc every time I ask why they closed the account still doesnt tell me the reason why nothing shows that why the account was closed?? My friend sent {$4000.00} and right after that day I went to XXXX XXXX and more {$500.00} I spent some more the {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Chime Financial Inc
State: NH

Complaint narrative:
I was charged fraudulently by XXXX XXXX for {$70.00}, several times. 3 of the 4 charges fell off but one remained. I called the company and was on the phone for 45 mins, they confirmed on a recorded line that they did not charge me and that they haven't charged me since 2022 and do not have my new card on file. I attempted to dispute it with my bank Chime, they denied it claiming it was legit and the only way to get it back was by filing a police report against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
Been tryna get loans due to bad credit and struggling trying to pay loans back due to me lack of working at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX, ( XXXX ). ( XX/XX/year> ), Contents of Complaint : I am writing to request an investigation of the following accounts I have NEVERED opened or used. The accounts listed below, I'm requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request. The accounts consist of a Bank account opened at XXXX XXXX XXXX. Bank XXXX # : XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account referenced below, which you are furnishing to consumer reporting agencies. AMERICAN EXPRESS XXXX XXXX XXXX account ending in XXXX. This account has been sold to a third party. However, you continue to report a charge off balance that is inaccurate and misleading. Because the debt has been sold, you are no longer the party to whom any balance is owed. Continued reporting of a balance due after transfer of ownership is materially misleading and does not accurately reflect the legal status of the account. Pursuant to the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ), furnishers are required to report information that is accurate and not misleading. Reporting a balance after the debt has been sold, assigned, or transferred may constitute inaccurate reporting, particularly if the balance has not been reduced to zero to reflect the sale. Additionally pursuant to 15 USC1681s-2 ( b ), upon receiving this direct dispute, you are required to ( 1 ) Conduct a reasonable investigation, review all relevant information and correct any inaccurate information and notify all consumer reporting agencies to which you have furnished the information of necessary corrections. Specifically, I request a 1099C. Documentation showing the date the account was sold or transferred the amount received from the sale of the debt. An explanation of how the currently reported balance was calculated, Confirmation of the Date of First Delinquency being reported and immediate correction to reflect a XXXX balance, if the account was sold. If you can not substantiate the accuracy and completeness of the information being reported, you are required to request deletion of tradeline.

Company response to consumer: Closed with explanation