vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Date Name XXXX Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not request these inquiries to be processed. Please examine the records and make corrections. Paperwork is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: OH

Complaint narrative:
I had {$300.00} of debt to cashapp, I always pay back my debt. But after I changed my legal name and opened a new bank account, cashapp started messing up. When I tried linking my new bank account it said my routing number was invalid, when I contacted support, they had absolutely nothing useful to say, and acted as if I was supposed to just use a different bank account, which is ridiculous, and I only have the XXXX account. I tried updating my legal name, but that didn't work either, and their supposed reasoning behind that was that the marriage certificate I showed them had my old name, even though I gave them my current up to date ID with the correct name. They're basically just making excuses to keep me from paying off the debt, so that they can rack up fees on it and then send it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint against Rocket Mortgage for a violation of the Real Estate Settlement Procedures Act ( RESPA ), specifically Regulation X, 12 C.F.R. 1024.35. Rocket Mortgage ( which acquired my previous servicer, Mr. Cooper ) has failed to acknowledge my formal Notice of Error and Information Request within the legally mandated 5-business-day timeframe. Background Timeline : XX/XX/XXXX : I received a due diligence notice from the State of California/XXXX. XXXX regarding an uncashed check owed to me ( issued XX/XX/XXXX, Amount : {$2100.00} ). XX/XX/XXXX : I completed the required physical form to claim the funds and mailed it back well within the 30-day deadline via USPS with Signature Confirmation. XX/XX/XXXX & XX/XX/XXXX : After receiving no check, I followed up with the Rocket Mortgage Research Department via email as instructed by their customer service. I received no resolution. XX/XX/XXXX : I mailed a formal RESPA Notice of Error and Information Request via USPS Certified Mail to Rocket Mortgage 's designated Notice of Error address in XXXX, MI. XX/XX/XXXX : The Notice of Error was officially delivered and signed for by Rocket Mortgage via USPS Certified Mail. The RESPA Violation : Under federal law, Rocket Mortgage was required to provide a written acknowledgment of my Notice of Error within 5 business days of receipt. That deadline was Thursday, XX/XX/XXXX. Rocket Mortgage failed to acknowledge my letter, leaving me without my funds and without answers. What I am requesting : I am requesting that Rocket Mortgage immediately correct this error and provide me with the following in writing : Written confirmation of whether the {$2100.00} check has been reissued to me, along with the replacement check. If the funds have not been reissued, written confirmation of whether Rocket Mortgage transferred these funds to the State of XXXX Unclaimed Property Division, including the exact date the transfer took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Today XX/XX/year> At XXXX XXXX I was sent a cash app deposit in the amount of {$170.00} cash app have my funds on hold and wont release them after they told me over the phone they would once I have the sender contact them but they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My ex-husband moved out of my home 18 months ago and I am still receiving his paper mortgage statements. I feel uncomfortable being involved in him not receiving his mortgage statements. I have attempted several times to mitigate this issue. I have marked " return to sender/ not at this address '' every month that I have received this paper mortgage statement. I have called Rocket Mortgage several times with no success because I am not an approved person on the account, which is understandable. I was able to finally chat with someone online and explained my situation. But I just received another paper mortgage statement in the mail, so that remedy must not have worked either. I do not want to ever receive another paper mortgage statement from Rocket Mortgage addressed to my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
On XX/XX/year>2026 I opened a new account with Associated Bank due to a promo they were running that stated if I opened an account and set up direct deposits of XXXX within 90 days from an employer or government agency and deposit up to XXXX and let it sit for 90 days, I would be awarded {$600.00}. I have completed all the necessary requirements but today I was told by XXXX XXXX XXXX that I did not complete the requirements because a direct deposit from a Pension is not eligible. Now being that my Pension is from my Employer which means I no longer work but it is my income, I see no difference in someone who also does not work but receives income from the government like a social security check- which is eligible. There is no wording on their website that states that income from a Pension does not qualify, they did not disclose this prior to me signing up and I dispute the fact that they should have a stipulation in place that income from a Pension is not allowed but income from Social Security is. The rules also do not state that it has to be direct deposits from a current employer, it says employer and XXXX XXXX XXXX is my employer, they just happen to be a previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
An update to my previous complaint. I sent out certified mail to this company so they can send me paperwork updated statement in which to handle the debt. It came back to me as return to sender. So even if I mailed payment to this company they would not receive it. I called again today, spoke to XXXX asked for a debt validation updated statement he said he would send me the paperwork via email after I pay him through the phone with a credit card or give him my checking information. I told him that is illegal practice and they have to provide paper work to me. He then said the debt is past statue of limitation. I then said please remove the debt then if it is old and past limitation. He said I must pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have enclosed my official FTC Identity Theft Report [ Insert Your FTC Report Number ] and proof of my identity. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are strictly required to permanently block the reporting of any information resulting from identity theft within four business days. The fraudulent variations of my name, incorrect addresses, and incorrect phone numbers listed below belong to the identity thief, not me. Reporting this data violates FCRA Section 607 ( b ) regarding maximum possible accuracy. I demand that you immediately apply a permanent statutory block under Section 605B to the following inaccurate personal identifiers : Fraudulent Name ( s ) to Block : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Fraudulent Address ( es ) to Block : 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 Fraudulent Phone Number ( XXXX ) to Block : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX inquired about refinancing consolidation loan through SoFi. Was approved for {$76000.00} at 12.88 % for 60 mos at {$1500.00}. They took 4 days to review application and once reviewed they changed rate to 14.88 % and monthly payment is now {$1600.00}. The hard pull on credit was to secure the earlier rate. They said the change was due to the rate expiring due to a soft pull inquiry on XX/XX/XXXX when XX/XX/XXXX is when I inquired and submitted application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable reporting of a student loan account associated with Virginia XXXX, a now-closed school. I previously disputed this account directly with TransUnion. TransUnion acknowledged the dispute and marked the account as under investigation, however the account remains on my credit report and I did not receive proper resolution or meaningful verification regarding the investigation results. This account has already been removed from other credit reporting agencies, which raises serious concerns regarding inconsistent reporting and the accuracy of the information being furnished. Due to the closure of Virginia XXXX, I have significant concerns regarding whether this account can be fully and accurately verified, including enrollment information and supporting documentation associated with the debt. I am asserting my rights under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy of reported information 15 U.S.C. 1681s-2 ( b ) furnisher duties upon notice of dispute 15 U.S.C. 1681i ( a ) ( 5 ) requirement to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 6 ) requirement to provide results of reinvestigation Pursuant to federal law, if this account can not be fully verified with complete and accurate documentation, the information must be deleted from my consumer report. I am requesting : A proper and reasonable reinvestigation of this account Copies of all documentation used to verify the account Verification of enrollment and attendance records Correction or deletion of any inaccurate, incomplete, or unverifiable information Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with federal law.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I called into capital one to complain about an interest charge that I saw on my statement that was assessed on XX/XX/XXXX for XXXX I explained that I am a XXXX XXXX holder since XXXX and always pay my statement balance in full but was having difficulty with the new platform since the capital one takeover of XXXX. I had called the previous month to make a payment over the phone after realizing my payment didnt go through the app in time. That agent never informed me that even though I paid my balance and set up autopay I was still being charged interest. The agent also told me she was opening a case up for my complaint which she failed to do. I followed up on XX/XX/XXXX and spoke to XXXX who opened up case XXXX Today I received a call from capital one apologizing for the delay and the fact that the original agent from XXXX didnt explain to me that I needed to pay more than my statement balance to insure interest didnt accumulate. I again asked for the interest of {$100.00} to be refunded because I was deceived when making my initial call in XXXX and again in XXXX. The agent today explained that this deceptive business practice is in the fine print of my statement so I should have been aware. I feel capital one is engaged in predatory lending practices and looking to take advantage of XXXX card holders through this merger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital LLC is reporting and attempting to collect an alleged debt that does not belong to me and is the result of identity theft. I do not recognize this account, I never opened or authorized it, and I have disputed this matter previously, including through prior complaints and requests for investigation. Despite receiving notice that this account is fraudulent and disputed, Jefferson Capital LLC continues furnishing inaccurate information to consumer reporting agencies and continues maintaining this collection account on my credit profile. I requested validation of the alleged debt, including documentation proving that I personally opened or authorized the account, signed agreements, transaction records, and evidence establishing liability. Jefferson Capital LLC failed to provide sufficient competent evidence demonstrating that this debt belongs to me. Instead of properly investigating the identity theft dispute and correcting the inaccurate reporting, the company continues reporting the account as valid. This conduct is causing ongoing financial and reputational harm, including damage to my creditworthiness and consumer profile. Continuing to report information that is inaccurate after receiving notice of identity theft and dispute raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the obligation to conduct a reasonable investigation before furnishing or continuing to furnish disputed information. I am formally demanding the following : Immediate deletion of this collection account from all consumer reporting agencies Immediate cessation of all collection activity associated with this fraudulent account A complete investigation into the identity theft dispute Written confirmation that the account has been removed and marked as fraudulent Assurance that no further inaccurate information regarding this account will be furnished in the future This debt is not mine. I do not acknowledge any responsibility or liability for this alleged account, and I demand immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I financed a XXXX XXXX XXXX through Toyota Financial Services in XX/XX/XXXX. On XX/XX/XXXX, I formally requested cancellation of XXXX Excela Protect products purchased with the vehicle through XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed the cancellations and advised me that the refunds would be applied to my Toyota Financial Services loan balance. On XX/XX/XXXX, XXXX XXXX XXXX confirmed the cancellation refund amounts totaling approximately {$3700.00}. On XX/XX/XXXX, XXXX XXXX XXXX mailed a refund check payable to Toyota Motor Credit Corporation. On XX/XX/XXXX, the refund check cleared/cashed. XXXX XXXX XXXXXXXX later provided me with a copy of the cleared check and advised me that the funds had been processed through XXXX XXXX, which they stated is used by XXXX for cancellation refund processing. After the check cleared, I contacted Toyota Financial Services multiple times over several weeks because the refund funds still had not been applied to my loan balance. During these calls, I received inconsistent and conflicting information from representatives. Some representatives stated : XXXX had no record of the check, The address used was not a valid XXXX address, or that they could not locate the funds within their system. I made repeated phone calls to Toyota Financial Services on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( multiple calls ) XX/XX/XXXX ( multiple calls ) XX/XX/XXXX XX/XX/XXXX Several of these calls lasted between XXXX and XXXX minutes. Despite these repeated efforts, the refund funds still have not been applied to my account. I have also provided Toyota Financial Services with information showing : the check was mailed on XX/XX/XXXX, the check cleared on XX/XX/XXXX, and the funds were negotiated/cashed. As of the date of this complaint, Toyota Financial Services still has not properly applied the refund proceeds to my loan balance despite the refund check clearing on XX/XX/XXXX. I have repeatedly requested confirmation regarding the receipt and status of these funds, but I have continued to receive inconsistent and conflicting information from representatives regarding the location of the funds and the expected timeline for resolution. During my most recent call, I was advised by a representative from the resolutions team that another department handles the financial processing of these funds and that they were unable to directly communicate with that department regarding the status of my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> - I noticed my card was removed from my XXXX XXXX. XX/XX/year> I looked at my app and noticed it was closed. XX/XX/year> I called but was too late had the call the next day XX/XX/year> I called and no one was able to assist me I contacted customer service and retention department and no one could assist I even spoke with a manager and they were not able to assist me. I explained the situation and how it would affect my credit and that it was an account of 9 years. They did not care and just said I had to apply for a new card, they kept pushing that I would just need to apply for a new card. They also mentioned a letter was sent to my home but the address they had on file was my old mailing address. I never received emails/calls or other notices. I dont want my credit to be affected as I have kept it in good standing for 9 years. When I asked the chase manager if there was anything they can do to help me out she just said blankly no, you can apply for a new card

Company response to consumer: Closed with explanation