vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
Rocket Mortgage delayed my closing due to internal document verification issues and process confusion that were outside my control. Because of these lender-caused delays, Rocket re-pulled my credit on XX/XX/XXXX, outside the 45-day mortgage inquiry window from the initial XX/XX/XXXX credit pull. This caused otherwise groupable mortgage inquiries to be treated separately and mechanically affect my credit score.

I pulled and reviewed my credit report thoroughly. There were no adverse changes, no late payments, no new derogatory information, and no increase in credit risk. In fact, my overall debt was reduced.

Rocket issued a revised Closing Disclosure imposing an additional {$5000.00} pricing adjustment during an active rate lock, based solely on an internal credit score cutoff and a temporary, inquiry-driven score fluctuation caused by lender timing. Rocket has already acknowledged operational issues by issuing lender credits earlier in the process.

Applying adverse pricing under these circumstances appears inconsistent with Regulation Z/TRID requirements and raises concerns under CFPB UDAAP standards, as the consumer injury was caused by lender-controlled delays and was not reasonably avoidable. I am requesting regulatory review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase Bank regarding the prolonged and unresolved withholding of my funds following the closure of my account. 

In late XXXX or XX/XX/XXXX, Chase closed my bank account without providing any clear or reasonable explanation. After the account was closed, Chase continued to hold my funds and repeatedly delayed returning the money to me. 

Since the closure, I have contacted Chase many times, both in person at branch locations and through customer service phone calls. During these interactions, I was repeatedly told that my case was under investigation. In several instances, Chase representatives falsely claimed that a check had already been mailed to me, which later proved to be untrue. Different representatives gave me completely inconsistent answers, and no one could provide a clear timeline or resolution. 

On XX/XX/XXXX, I received a check related only to my payment account. Two days later, on XX/XX/XXXX, a Chase banker informed me in person that if I could provide proof showing that the funds in my savings account were transferred from my mother, Chase would be able to release the remaining funds. I then provided official bank PDF documentation proving that the money was transferred from my mothers account at XXXX XXXX XXXX XXXX  in XXXX to my Chase savings account. 

Despite fully complying with this request, as of XX/XX/XXXX, I still have not received the funds from my Chase savings account in the amount of {$10000.00}. 

I am a XXXX, and this is not a small amount of money for me. I urgently need these funds to pay my rent and tuition. Living and studying in New York comes with extremely high costs, and Chases continued withholding of my money has caused serious and ongoing financial hardship. This situation is unacceptable. 

While Chases account terms state that the bank has the right to investigate transactions, this does not grant Chase the authority to withhold customer funds indefinitely and without justification. Nearly three years have passed, and I have still not received money that rightfully belongs to me. Additionally, Chases customer terms treat account closure and fund investigations as separate matters, and they should not be improperly combined to justify indefinite delays.

Chase has failed to provide a clear deadline, meaningful updates, or any assurance regarding the safety and return of my funds. I respectfully request assistance from the CFPB in investigating this matter and helping me recover my money.

Thank you for your time and attention to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
In XXXX  XXXXXXXX XXXX XXXX  offered me an XXXX  XXXX  of an extra 3 percent for several months if I opened a new checking account with them ( I already had a savings account with XXXX ). This was originally due to end in XXXX. They extended the promotional rate into XXXX, and I called them in XXXX to ask if they would extend it again ( on what was surely a recorded line ). They said yes, they were extending the XXXX XXXX  again in XXXX. About halfway through XXXX I called to confirm, and this time they said no, their representative made a mistake when in XXXX he told me it would be extended again in XXXX. I told them that I expected them to honor their colleague 's promise, and grant me a courtesy extension. They just contacted me today and said they refused to do so. 

XXXX XXXX defrauded me by lying to me about a non-existent XXXX XXXX  for the month of XX/XX/XXXX, and refused to make me whole when I asked them politely to do so. Now I hope to see them punished for this fraud, and pay a penalty to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Concora Credits handling of my Milestone credit card account. 

On or about XX/XX/XXXX, Concora restricted my online account access and removed my ability to make payments through normal channels. Since that time, I have had no reasonable way to submit payment or manage my account. 

Despite restricting my access, as of XXXX XXXX, Concora began reporting my account as past due to the credit bureaus. 

I have been unemployed since XX/XX/XXXX and have been paying for the Credit Protection benefit associated with this account. On or about XX/XX/XXXX, I attempted to seek assistance under this benefit but was unable to do so because Concora restricted my access and failed to provide a clear process to activate or use the benefit. 

Reporting my account as delinquent while simultaneously preventing access to payment options and paid-for credit protection benefits is inaccurate and unfair and does not reflect my willingness or ability to pay. This reporting is causing ongoing harm to my credit. 

I am requesting : Correction of any inaccurate past-due credit reporting Clear written instructions and restored access to submit payment Review and proper application of the Credit Protection benefit Written confirmation of how this account will be handled going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal has permanently restricted and shut down my account. Holding my funds hostage for 120 days as well as by date of birth and social so I can not open another account. I get payments from returned merch through PayPal from XXXX. They do not refund until I return so this is insane. Also my cousin lives in XXXX and uses PayPal to send our family money. No longer can happen. Many others are fine to do so but for no reason my account was restricted. I have tried to ask what policy I suddenly violated and there isnt one. Im shut down and can not retrieve funds or information on my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
So today XX/XX/year> at XXXX sofi proceeded to email me text me and send a notification of my account restriction being lifted that I could use my account as normal on the same day they received the complaint the first time I called they continued to tell me they know its not what I want to hear but I dont have access to MY MONEY that was stolen and I disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a FOURTH-ROUND ( FINAL ) CFPB complaint because Equifax continues to report inaccurate and unverifiable derogatory/charge-off tradelines on my credit report despite multiple prior disputes and clear notice. My dispute timeline is : Round XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX ( XXXX ) : XX/XX/XXXX. I am attaching bureau-comparison exhibits and documentation referencing FTC + XXXX submissions. 
Equifaxs reporting remains materially inconsistent and non-uniform compared with other nationwide CRAs and, in some cases, internally inconsistent on key credit reporting fields. These defects involve core Metro-2 integrity fields such as balances, high balance, credit limits, dates ( last activity/date reported ), delinquency counters ( XX/XX/XXXX ), dispute status coding, and creditor type classifications. These are not minor formatting differencesthese contradictions demonstrate the information is not reliable, not accurate, and not reasonably verifiable. Equifax has repeatedly failed to correct or delete the items after multiple disputes, forcing this final escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
Ladies and Gentlemen : I am writing to formally dispute fees charged to my account and to demand an immediate refund, full accounting, and supporting documentation related to my participation in the Beyond Finance debt resolution program. 

I enrolled in your program over two years ago and fully complied with all guidelines provided. I entrusted Beyond Finance to assist with the resolution of three ( 3 ) debt accounts. Despite my compliance and payment of fees totaling approximately 25 % of my enrolled debt, the following occurred : - Two ( 2 ) accounts were not resolved and proceeded to litigation, requiring me to appear in court. 
- I was instructed to obtain ( through additional party associated with Beyond Finance ) a loan due to litigation, despite having relied on Beyond Finance 's services to avoid this outcome. 
- One ( 1 ) account was represented as paid in full, yet I was subsequently served with a summons, which raises serious concerns. 
- Beyond Finance has retained all remaining loan proceeds as " fees, '' including funds unrelated to ay successful settlement. 

I hereby formally dispute all fees assessed for accounts that were not successfully settled. Under FTC regulations governing debt settlement services, fees may generally only be charged after a successful settlement is reached, and must be proportional to the settlement achieved. Retaining fees for accounts that proceeded to litigation is unacceptable and appears inconsistent with both regulatory requirements and the representation made at enrollment. 

Accordingly, I demand the following : 1. Immediate refund of all fees collected for the two accounts that were not successfully settled and instead proceeded to litigation.

2. A complete itemized accounting of all fees charged, broken down by individual account.

3. Written documentation of all settlement efforts, negotiations, and communications with creditors for each account. 
4. Copies of any authorizations permitting Beyond Finance to retain loan proceeds as fees.

5. Documentation and explanation regarding the account that was paid in full yet resulted in summons.

6. Confirmation of all actions taken ( or not taken ) related to litigation prevention and creditor communication. 

Please note that I have upcoming court appearances, including XXXX XX/XX/year> at XXXX at XXXX XXXX XXXX XXXX XXXX, and require this documentation to defend myself. 

If this matter is not resolved within XXXX business days, I will proceed with formal complaints to the XXXX XXXX  XXXX  XXXX  XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trace Commission ( FTC ). I will also explore all available legal remedies to recover improperly collected fees. 

I expect written confirmation of receipt of this email and prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
I am submitting this complaint regarding inconsistent account identifiers used by SoFi for the same loan and the resulting delay in providing confirmation reconciling those identifiers.

SoFi used multiple, conflicting identifiers for a single loan across different documents and credit reporting, including : - An account ID shown on statements and the payoff letter - A different loan reference number reported to consumer credit bureaus - A separate offer ID displayed on the stamped payoff letter These inconsistencies arose specifically when attempting to match a loan payoff letter to the loan number appearing on my credit reports. Because the identifiers were not clearly linked, I was unable to reconcile the payoff documentation with the account number being furnished to the credit bureaus. This created uncertainty as to whether the information being reported was accurate and complete. 

I spent multiple hours attempting to reach appropriate personnel to resolve the issue. An escalations representative initially stated that no written confirmation could be provided tying the identifiers together. Only 7 days later, after repeated follow-ups and significant time spent, SoFi provided an email confirming that the identifiers all refer to the same loan. 

The delay and lack of readily available documentation materially impaired my ability to timely verify credit reporting accuracy during an active mortgage refinance. As a direct result, my refinance was negatively impacted, resulting in thousands of dollars in additional costs due to timing and credit verification issues that were outside my control. 

While SoFi ultimately provided confirmation, the information should have been accurate, internally consistent, and promptly available upon request. The failure to do so raises concerns regarding compliance with the Fair Credit Reporting Act and CFPB regulations governing the accuracy, integrity, and dispute resolution of furnished credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
I tried to pull out {$300.00} from a XX/XX/XXXXXXXX atm. The atm stated that something was wrong and the transaction wasnt complete. Though cashapp allowed the transaction to complete and take the money out of my account. This is my bill money, they stated they escalated my case and it still Hasnt been solved or seen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited a cashier check at my navy federal credit union via their atm on XX/XX/XXXXXXXX XXXX XXXX  and called to check why it hadnt funded she said they were reviewing it and would be sending me follow up information regarding approval or denial till this day havent received anything or heard anything more about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent charge on my Bank of America checking account. I reported it immediately and initiated a dispute. The unauthorized transaction occurred on XX/XX/XXXX, for an ACH withdrawal of {$2400.00} by a company called 'Fanatics Collects, ' which I have never authorized or interacted with. Notably, two days prior on XX/XX/XXXX, this same merchant made a {$0.00} 'test ' deposit and immediate withdrawal. 
On XX/XX/XXXX, Bank of America notified me that my claim was denied based on proof provided by the merchant. I requested these documents, but the letter I received only contained my name, the last four digits of my account number, and an IP addressall of which were redacted. It is unclear how the bank verified that this IP address belongs to me. 
I am formally appealing this denial based on the following evidence of fraud : Test Transactions : The {$0.00} 'ping ' on XX/XX/XXXX is a classic fraud tactic used to verify an account 's validity before a large theft. The bank failed to flag this suspicious activity. 

Account History : I have never used this checking account or my debit card for online purchases. This transaction is entirely inconsistent with 35 years of account history. 

Lack of Documentation : The merchant provided no invoice, shipping address, or signature. There is no proof of my consent or any indication of what product or service was supposedly purchased. 

Payment Method Inconsistency : Upon investigating Fanatics Collects on XX/XX/XXXX, I found they only accept credit cards or XXXX. I have no explanation for how an ACH transaction was even possible. 

As a loyal customer of 35 years, I am deeply disappointed by this lack of protection. I am faxing this additional evidence today and expect a full reinvestigation. ''

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding Wells Fargos failure to resolve a lost foreign check that was deposited into my account and subsequently lost while under the banks handling. 

The issue has been unresolved since XX/XX/year>. Despite repeated efforts to obtain assistanceincluding branch visits, calls to customer service, and escalation to the Executive OfficeWells Fargo has failed to provide a clear explanation, documentation of the checks status, or a timely resolution. 

Account holder : XXXX XXXX Account number ( last four digits ) : XXXX Check amount : XXXX pesos Check type : Foreign check Date reported missing : XX/XX/year> As a direct result of this unresolved issue, my account has gone negative multiple times, causing financial hardship and significant stress. I have requested confirmation of the checks status, documentation of any investigation, and either location of the check or reimbursement of the full amount. To date, none of these requests have been fulfilled. 

I am requesting immediate corrective action, including reimbursement of the check amount and refund of all fees or negative balances caused by this issue. Wells Fargos prolonged inaction over a six-month period is unacceptable. 

I respectfully request prompt intervention to resolve this matter without further delay.

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