vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I closed on our home XX/XX/year> with XXXX XXXX XXXX our payments closing say {$1700.00}. They sold my mortgage to Rocket Mortgage who at first said my payment was {$2600.00} due to my pmi not porting over correctly. They fixed it for my first payment now they are saying my payment is {$1900.00} because my pay escrow is short I said no I paid upfront for a year in closing so my payment is secure. They started telling me their escrow policy I said I did not sign nor agree to your terms you purchased my mortgage you have to honor my contract. They keep doing this and I have to keep calling because their operators are scripted to collect takes me 10 phone calls last month to get it fixed I feel this is a new practice Rocket Miortgage is doing to take peoples homes please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MO

Complaint narrative:
It on XX/XX/XXXX when XXXX deposit on XXXX XXXX card never received money my card stole

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
So I had a san diego County credit union account and legally they have been illegally operating regarding the overdraft fees. Not only that but we had XXXX child with XXXX checks that were going into the account. My XXXX XXXX had XXXX checks going into the account for XXXX XXXX and they were charging so many overdraft fees. I had them look at the overdraft fees, and they could even tell it was fraudulent, and it was incorrect according to state law. I let them know the legal requirements they did not care. They charge me so many overdraft fees they did a charge off on the account even though when they looked at the account with the representative, they could see that there should not have been that many overdraft fees the overdraft fees were excessive, and the fact that there was more than enough money in the account to cover everything so how is it that theres not enough money in the account to cover the charges and its a XXXX XXXX account and theyre charging excessive overdraft fees? All of this is illegal and I have documentation and I let them know this however they did not care they do whatever they want. They are operating without ramifications. They are waiting for a class action lawsuit to come before. They change their policies to come in line with the law, but because I have the evidence of what they were doing, and I have went over the account several times with different representatives. They were actually supposed to refund all the overdraft fees. This was a XXXX XXXX account with XXXX money coming into that account monthly. Its actually illegal for them to do several plaques. They did on our overdraft account issues. There were times all the money was considerably in the account every time, but they actually were re-ordering transactions and at the time the law stated that was illegal I believe they need to go back and fix it because in the past year of that account they charged us over XXXX {$800.00} an overdraft fees because they were re-ordering the accounts illegally. I have attached proof both from the consumer finance protection bureau their policies on that as well as legal law and also whats illegal and thats exactly what theyve been doing and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Hello and good evening My name is XXXX XXXX XXXX on XX/XX/year>, i did a purchase online with my credit karma debit card on XXXX. I purchase XXXX XXXX XXXX set i paid {$480.00}. However, i never received my item the XXXX guy delivered my item to a different floor or my item were stolen because i never got my item i contacted the police and file a police report the XXXX POLICE REPORT IS XXXX I REPORTED MY ITEM TO XXXX AND THEY REFUSE TO SEND ME MY REPLACEMENT OR REFUNDED ME. I CONTACTED CREDIT KARMA THEY ALSO REFUSE TO INVESTIGATE MY CLAIM ASWELL I WILL ATTACHED MY POLICE REPORT TO YOU GUYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the interest charges applied to my credit account. Over the course of my repayment, I have paid more than {$3400.00} in interest alone. Despite making consistent payments, my account balance remains above my credit limit each month due to ongoing interest charges. This has made it extremely difficult to reduce my principal balance and make meaningful progress toward paying off the debt. I am concerned that the way interest is being applied to my account may be excessive, unclear, or potentially unfair. I have made good-faith efforts to meet my financial obligations, yet the continued accumulation of interest is preventing my balance from decreasing. I respectfully request that this matter be reviewed for : Accuracy and transparency of the interest calculationsWhether the interest rates and fees comply with applicable consumer protection lawsAny possible options for relief, adjustment, or correction of my account I would also appreciate guidance on what steps I can take to resolve this issue and prevent further financial harm. I am constantly making on-time payments, never missed a payment but I am struggling with this and I need answers. Thank you for your time and attention to this matter. I look forward to your response.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> a transfer to XXXX XXXX on cashapp was made from my account XXXX/XXXX/3026 on cashapp for {$950.00}. I never gave my password to him so how did he take it. and my bank already accepted my fraud claim. I was in XXXX on this date. But cashapp now has me negative for this amount because my bank said my claim is valid. I was in XXXX from XX/XX/year> to XX/XX/year>. I never made the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-05-04 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a complete and comprehensive description of the reinvestigation procedures used to verify disputed information upon a consumers request. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period required by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OR

Complaint narrative:
b'I attended the XXXX XXXX XXXX XXXX (XXXX) from XXXX XXXX through XXXX XXXX and financed my attendance with three private student loans from XXXX XXXX (loan numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX).\nIn XXXX XXXX, the U.S. Department of Education approved my federal student loan discharge under Borrower Defense, finding that XXXX made "pervasive and widespread substantial misrepresentations" about graduate employment rates and salaries. My federal loans ($XXXX) were discharged effective XXXX XXXX XXXX (XXXX XXXX Case #XXXX).\nI then submitted a discharge request to Sallie Mae for my private loans, including the DOE\'s formal misconduct finding, my employment history, and XXXX records (XXXX) showing I never obtained employment in my field of study. Sallie Mae sent two requests for additional documentation (XXXX XXXX and XXXX XXXX), which I responded to in full.\nOn XXXX XXXX XXXX, Sallie Mae denied my request. Their entire stated reason: "Lack of information that the school used misleading or deceptive practices." This directly contradicts a formal federal agency determination. Sallie Mae provided no explanation of the criteria applied, the evidence reviewed, or what additional information would be sufficient.\nThe FTC Holder Rule (16 C.F.R. 433.2) entitles me to assert the school\'s misconduct against Sallie Mae as the private lender. In a XXXX response to Senator XXXX, Sallie Mae stated it has "a comprehensive process" for evaluating Holder Rule discharge claims. That process was not applied here.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing the accuracy of Capital Ones reporting for account XXXX. I submitted a formal dispute on XX/XX/XXXX, highlighting contradictory data. Capital One responded on XX/XX/XXXX, but failed to resolve the discrepancies, instead simply repeating the inaccurate information.The following data points provided by Capital One are legally and logically inconsistent : Contradictory Status Dates : Capital One claims the account was " Closed '' on XX/XX/XXXX, yet acknowledges a " Last Payment '' was made on XX/XX/XXXX. An account can not be closed for 6 months while still accepting active payments and maintaining an open delinquency clock.Charge-off Timeline Violation : They report a " Charge-off '' on XX/XX/XXXX. This is only 49 days after the acknowledged payment on XX/XX/XXXX. This violates the standard industry practice and federal guidance of a 180-day delinquency period before a charge-off occurs.Inaccurate Utilization Reporting : They are reporting a balance of {$1700.00} against a {$1200.00} limit ( 149 % utilization ) on a closed account. Reporting a " limit '' on a non-extending, closed line of credit in this manner is misleading and creates a defamatory credit score impact.Capital One has failed to conduct a " reasonable reinvestigation '' as required by the FCRA ( Fair Credit Reporting Act ) because they ignored these internal contradictions. I am requesting a full deletion of this trade line due to these systemic reporting errors and their failure to verify a consistent timeline. Also they failed to provide the comprehensive list plus interest including the original contract with wet signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate, misleading, and improperly reported credit information furnished by Jefferson Capital Systems , LLC. This account is being reported with a date opened of XXXX, which is incorrect. The original account originated with XXXX in approximately XX/XX/XXXX and was later charged off and/or transferred. Jefferson Capital Systems appears to have re-aged, re-dated, or otherwise altered the original account history, resulting in inaccurate credit reporting that materially misrepresents the age and status of the original obligation. This conduct raises serious concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers of information to provide accurate information to consumer reporting agencies. Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate, including altered or re-aged account dates. FCRA 611 ( 15 U.S.C. 1681i ) Requirement for consumer reporting agencies to conduct a reasonable reinvestigation when a dispute is filed. Previous reinvestigations have failed to correct or remove inaccurate reporting, suggesting either inadequate investigation or continued furnishing of incorrect data. FCRA 609 ( 15 U.S.C. 1681g ) Right of consumers to request all information in their file, including the source of information and identification of furnishers. I am requesting full disclosure of the original creditor data, date of first delinquency ( DOFD ), and all source documentation used to verify this account. Despite prior disputes with consumer reporting agencies, the account continues to be reported inaccurately or verified without correction. This ongoing reporting is causing continued harm to my credit profile by falsely extending or altering the perceived age of the debt. Requested Resolution : Immediate investigation into Jefferson Capital Systems furnishing practices for this account Correction of all inaccurate dates, including removal of the XXXX date opened Verification and correction to reflect the original date of first delinquency ( XXXX Sprint account ) Deletion of the account if full compliance with FCRA accuracy requirements can not be substantiated Full disclosure of all information relied upon to verify this account, including source documents and method of verification ( MOV ) If Jefferson Capital Systems can not produce verifiable documentation from the original creditor supporting the accuracy of the current reporting, continued furnishing of this information should be considered a violation of the Fair Credit Reporting Act. This matter requires immediate and thorough review due to ongoing harm caused by inaccurate and potentially re-aged credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX EDT, I was notified of a fraudulent transaction on my Affirm Debit+ card in the amount of {$100.00}. I did not make or authorize this transaction. The card is tied to my checking account and can withdraw money for purchases. There were multiple fraudulent attempts to use the card, and one transaction for {$100.00} was successful and remained pending. I contacted Affirm immediately to report the transaction as fraudulent and unauthorized. I asked Affirm to stop, block, or otherwise prevent the pending transaction from going through before money could be withdrawn from my checking account. Affirm customer support stated that they would take no action because the transaction was pending. I was told Affirm would only investigate after the transaction posted. I spoke with a supervisor named XXXX, who confirmed that Affirm would not stop or block the pending fraudulent transaction. Affirm provided case number XXXX. I am concerned that Affirm is forcing me to allow money to be withdrawn from my checking account before they will treat the transaction as fraud, even though I reported the transaction promptly while it was still pending. I am also concerned that Affirm failed to protect against multiple fraudulent attempts on an inactive card that I have not used in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: DE

Complaint narrative:
On XX/XX/year>, I initiated an instant withdrawal of {$24.00} using my Cash App account and selected a specific debit card for the transfer. Despite my selection, the system automatically routed the funds to a different card ending in XXXX without my authorization. This card was linked to an overdrawn bank account, which resulted in an immediate financial loss when the funds were applied to that negative balance. I did not select or approve this card for the transaction. Cash App Support later confirmed in writing that their system automatically routed the withdrawal to the default card on file. This contradicts the users ability to select a withdrawal destination and indicates that my selection was overridden. I contacted Cash App Support multiple times requesting a review of this as a system-caused routing error, a copy of the investigation findings, and escalation to a supervisor. Instead, I received generic responses and a final determination stating that no error occurred, without addressing the documented routing override. Because of this system behavior, I experienced a direct financial loss. I am requesting that this be recognized as a system-caused misrouting of funds and that appropriate corrective action be taken, including reimbursement of the amount affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX XXXX that appears on my credit report. On or about XX/XX/2026, this account was reported as a collection in the amount of approximately {$200.00}. I do not recognize this account and have no knowledge of this debt. I did not authorize or open this account. I have disputed this account and requested validation, including documentation with my signature and proof that I am legally responsible. However, I have not been provided with any valid documentation or evidence supporting this claim. This inaccurate reporting is negatively impacting my credit and my ability to secure housing for my family. I am requesting that flagship financial provide proper validation of this debt. If they can not provide sufficient proof, I am requesting immediate removal of this account from my credit report.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This account is reporting inaccurate and inconsistent payment history and status. I am requesting full verification of all reported information, including payment records and account status. If this can not be verified, I request removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> Re : Formal Dispute of Inaccurate Credit Reporting Request for Verification I am writing to formally dispute the accuracy of information reported on my credit file. The account in question is listed as follows : Creditor : Navy Federal Credit Union I previously requested validation and documentation to support the accuracy of this account. To date, I have not received sufficient evidence demonstrating that this account is being reported accurately and in compliance with applicable laws. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is complete, accurate, and verifiable. At this time, the information being reported does not meet those standards. Therefore, I am requesting the following : 1. Full verification of this account, including : * A copy of the original signed agreement or contract * Complete payment history * Documentation showing my legal obligation for this debt * Proof of the date of first delinquency 2. The method of verification used to validate this account If you are unable to provide the requested documentation, I request that this account be immediately removed from my credit file. Additionally, please note that reporting unverified or inaccurate information may constitute a violation of the FCRA. Please complete your investigation within the required 30-day timeframe and provide me with written results of your findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief