vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One agreed to remove my charge off after I paid the balance I paid the balance XX/XX/26 it still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Payment processed via my bank XX/XX/XXXX, still has not been applied to my balance. - XX/XX/XXXX. My bank has done everything to provide the proof of payment ( same address, account number etc. ) Bank feels that Rocket Mortgage deposited in the wrong account. No one at Rocket Mortgage can help me, I mean no one. They are actively looking for my payment and even told me that my credit score would be dinged. I have to pay my XXXX XXXX again to avoid this. This is a nightmare. I have proof and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
b'cashapp\XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nre unahtorize transaxction \n$XXXX is the cashtag. there was a charge of $XXXX from card number XXXX XXXX XXXX XXXXXXXXHello,\n\nI am submitting a formal rebuttal to your decision to deny my dispute regarding the $XXXX charge from XXXX XXXX. I do not accept the conclusion that no error occurred, and I am requesting an immediate and thorough reinvestigation.\n\nThis transaction was unauthorized. I did not make this purchase, I have never interacted with this merchant, and I did not provide my payment details to them under any circumstances. The presence of this charge indicates either fraudulent use of my account or unauthorized access to my payment credentials.\n\nYour determination appears to rely primarily on information provided by the merchant. That is not sufficient to establish legitimacy, as the merchant has a direct financial incentive to dispute my claim. I am requesting that Cash App provide the actual evidence used to deny my dispute, including but not limited to:\n\nThe method of authorization\nTimestamp and geolocation data tied to the transaction\nAny proof of delivery with signature as acceptance of any package, service usage, or customer interaction\nAny matching identifiers that link this transaction to my known activity\n\nAdditionally, I request that you review my account access logs for any suspicious or unfamiliar activity at the time of the charge. directly contradict your conclusion.\n\nUnder standard consumer protection expectations for unauthorized transactions, I should not be held liable for charges I did not authorize. Reversing the provisional credit without adequately proving authorization is not acceptable.\n\nAt this time, I am requesting:\n\nA full and independent reinvestigation of this dispute\nImmediate reinstatement of the $XXXX provisional credit during the review\nFull transparency regarding the evidence used in your original decision\n\nIf this matter is not resolved promptly, I will escalate the issue through a civil lawsuit for the violations in question each violation carries a$XXXX per violation statutory damage totaling $XXXX -Fair credit billing act,(FCBA) Electronic Funds Transfer Act EFTA and file formal complaints with appropriate consumer protection agencies as well as The Federal Deposit insurance corporation (FDIC) .\n\nPlease confirm receipt of this message and provide a timeline for resolution.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac has been collecting escrow payments from me but let my homeowners insurance go into default. I have had to pay my homeowners insurance directly and PennyMac closed on this refinance, set up escrow for taxes and insurance and can't seem to get themselves added or pay the bill. When I complained... they asked me to contact the company and get them added yet none of this was done until I got a notice in the mail from XXXX. Also I escalated this complaint to senior leadership at PennyMac and I have gotten nothing but calls for me to do leg work to fix my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease agreement for a new XXXX vehicle through XXXX XXXX in Maryland, with financing and titling held by Kia Finance XXXX ( XXXX ) as lienholder. The vehicle was delivered with a temporary Maryland registration. As of XX/XX/XXXX, more than seven months after the lease began, I have not received a title, permanent registration, or license plates for the vehicle. My temporary registration has expired, and I am unable to legally operate the vehicle.Throughout this entire period I have made every monthly lease payment to XXXX on time at {$550.00} per month and have continuously maintained insurance on the vehicle at approximately {$150.00} per month, despite being unable to lawfully drive it. I have also been unable to transfer registration from Maryland to Pennsylvania, my current state of residence, because no title has ever been XXXX XX/XX/XXXX, I contacted XXXX customer service at XXXX. The representative confirmed that XXXX has never received the title from XXXX XXXX. XXXX was unable to provide a resolution timeline, a written title status letter, or a single point of contact to manage the issue. I was transferred to XXXX 's escalation department the same day and requested : A written title status letter on XXXX letterhead A lienholder consent letter authorizing a new temporary registration or out-of-state registration with title to follow Direct outreach from XXXX to the XXXX XXXX title department A written timeline with a specific resolution deadline and XXXX XXXX defined process if the dealer can not produce the title ( duplicate title or bonded title ) As of this filing, I have not received written confirmation of any of these items.The harm caused by this delay includes inability to legally operate a vehicle I am paying for, continued insurance premiums on an unusable vehicle, inability to transfer registration to my state of residence, out-of-pocket costs for alternative transportation, and risk of citation, accident liability exposure, and insurance non-renewal due to expired registration. To date, I have paid approximately {$3800.00} in lease payments and {$1000.00} in insurance premiums on a vehicle that has been functionally unusable for an extended portion of this period.XXXX has been on notice of this title failure for an extended period, has failed to act with reasonable diligence to obtain the title or to provide written documentation enabling me to register the vehicle in another state, and has continued to collect full lease payments throughout a period in which the vehicle has been un-drivable due to their lienholder paperwork chain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint and Escalation Cash App Unauthorized Transactions {$22000.00} ( Case # XXXX ) Dear CFPB Team, My name is XXXX XXXX. I am filing this formal complaint and requesting immediate escalation against Cash App ( Block , Inc. ) for wrongfully denying my dispute. On XX/XX/year>, my phone was stolen during a theft at my home in XXXX. The thief used my phone to access my Cash App and stole {$22000.00} through multiple unauthorized payments. Cash App denied my claim claiming the transactions were authorized, even though : My device was physically stolen I filed a police report ( Incident # XXXX attached ) Cash App never requested the police report during their investigation Due to losing access to my email and accounts after the theft, it took time to discover the full extent of the fraud. This has caused me severe financial harm. I request the following resolution : Full refund of the {$22000.00} Immediate unlocking of my Cash App account Proper re-investigation of my dispute considering the attached police report I ask that you please intervene in this matter. I have been a victim of theft and Cash App has failed to properly handle this fraud case. Thank you for your assistance. Sincerely, XXXX XXXX Email : XXXX Cash App : $ XXXX Case DISPUTE # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was on vacation for two weeks, I was at a festival and keeping most of my money in my savings account and then transferring it out as I needed to spend it. As I was doing this someone was spending the money as I was transferring it out. It started as low amounts then jumped to higher amounts. They got a couple transactions that were a little less than {$300.00} that went through, and XXXX transactions that were denied from $ XXXX {$540.00}. I immediately locked my card when I caught it and had to use a different account for the weekend. Chime took over a week to deny the disputes and I really need help getting my money & account back. Whoever was using my card has still been trying to use it to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I noticed a fraudulent transaction on my bank account under Cashapp for {$990.00} on XX/XX/year> that I did not authorize! I have contacted cashapp support several times to dispute the transaction and every time I call they say they dont have any dispute under my account and I have not received any response from them regarding the dispute, this is frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
REFUSES TO CASH A CHECK FOR NO OTHER REASON THAN " WELL THE SYSTEM WONT ALLOW IT '' XXXX THE MANAGER IS TRASH AND SHOULDNT HAVE A JOB. CONSTANTLY TRYING TO TALK OVER ME, TELLING ME HES THE HIGHEST PERSON AT CAPITAL ONE AND I CANT TALK TO SOMEONE ELSE. NO SERVICE. THEY ARENT BEING A BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
In XXXX of XXXX I noticed MOHELA had incorrectly placed my student loans into forbearance. They had done this while I was XXXX to XXXX with the XXXX. To get them out of forbearance I was told to submit a request to change my payment plan. It took over 6 months of calling monthly to get MOHELA to take my loans out of forbearance. In XXXX of XXXX I had submitted a request to cancel the change of payment plan submission I made in XXXX. I was told it would be canceled and it would be expedited. In XXXX of XXXX I noticed my student loan payment plan had changed because MOHELA never did what they said they would do and cancel that change of payment plan. I was told I would need to resubmit an application to change my payment plan now in XXXX which will put my loan back into forbearance. I am now stuck with a student loan which payment has now doubled. None of this is my fault. Mohela incorrectly put the student loan into forbearance, failed to do what they said they would do and cancel my request, and now to fix it I would have to go back into forbearance something which took over 6 months to fix. Most frustrating of all. I am at 9 and 1/2 years of the 10 years of required payments. I have been in the XXXX for 14 years this XXXX. This is one of the worst companies, one of the worst student loan servicers and one of the least veteran and military-friendly organizations I know of

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a Connecticut resident attempting to exercise my Right to Reinstate my auto loan under CT General Statute 36a-785. I have repeatedly requested the 'unaccelerated ' amount ( the past-due arrears ) to bring my account current. I am currently in default on my auto loan. I contacted Chase Auto to resolve this and specifically requested to reinstate the loan by paying the 'unaccelerated ' arrears ( the back payments and late fees ). Chase Auto explicitly told me that I have 'no right to reinstate ' and is instead demanding a full payoff of approximately {$9000.00}. Under CGS 36a-785, Connecticut residents have a statutory right to reinstate a retail installment contract by tendering the past-due amount. Chase Auto is intentionally misrepresenting my legal rights and blocking my ability to cure the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I transfered {$5000.00} into my Marcus account with Goldman Sachs, They held my funds until XX/XX/XXXX. They claim right on their site, where i make my transfer requests that it only takes 1-3 days. In the past, it has only taken 1 business day. Then today, XXXX, I requested to close my account and I tried to transfer the {$5.00}. back into my XXXX XXXX Account. While I was in the phone with Goldman Sachs. a transfer from XXXX XXXX to The Marcus account was made in error, when I asked them to cancel that incorrect transfer, they said they could not. I dont have access to my funds and they told me I would not have access until XXXX. This is a cash transaction, not a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint, Credit Reporting Dispute, and Request for Debt Validation To Whom It May Concern, I am filing a formal complaint and dispute regarding inaccurate, unverified, and potentially fraudulent collection accounts currently being reported on my credit file. This letter serves as my formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and a request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southern Management Systems XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I have no knowledge of these alleged debts and do not recall entering into any agreement with these entities or the original creditors. These accounts are therefore disputed in their entirety. Despite this, the accounts continue to be reported on my credit file without proper verification, which raises serious concerns regarding compliance with federal law. Pursuant to my rights under federal law, I am requesting that each furnisher of this information provide the following : XXXX. Complete verification of the alleged debt, including the original creditors name and address XXXX. A full accounting of the debt, including how the balance was calculated XXXX. Copies of any agreements, contracts, or documents bearing my signature XXXX. Proof that the reporting entity has legal authorization to collect on this debt XXXX. Documentation showing that the information reported to credit bureaus is accurate and complete If these entities are unable to provide sufficient documentation to validate the debts, they are required under federal law to cease reporting and request deletion of the accounts from all consumer reporting agencies. Additionally, reporting unverified or inaccurate information may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and ensure that all applicable laws are being followed. If the accounts can not be properly validated, I request their immediate removal from my credit reports. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: CA

Complaint narrative:
ILLEGAL REPOSSESSION REPORTING & XXXX XXXX VIOLATION : Carmax Auto Finance ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX CAF is reporting a repossession that is legally deficient. Under the California Rees-Levering Act ( Civil Code 2983.2 ), CAF is required to send a Notice of Intent to Dispose of a Motor Vehicle. I was never provided this legal notice. Furthermore, this vehicle was under an active California Lemon Law ( XXXX Consumer Warranty Act ) dispute, having required a 30-day shop stay and full engine replacement. Because the repossession was executed improperly without mandatory state notices, CAF has forfeited any right to report a deficiency balance. Furthermore, the " Date of Last Payment '' contradicts across bureaus. I demand total deletion of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I had 4 charges that I didnt make and I was supposed to be sent a debit card prior to these charges and I was never sent they did fix 3 charges but refused the last one which Im upset

Company response to consumer: Closed with explanation