vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — USDA 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: AR

Complaint narrative:
Rocket Mortgage has been violating my rights under RESPA XXXX. They are refusing to place the force place Lenders insurance that I requested and agreed to in XXXX ; i have not been paying since XXXX because the amounts were incorrect. They were based on a policy that was cancelled XX/XX/XXXX. They received a refund from the policy.I placed XX/XX/XXXX. What was already in my XXXX account plus the refund made my escrow account positive, yet they're calculating a shortage based on a canceled policy. I have been calling to get them to correct my escrow account and to get help to get current on my payments. Every time I called, I was told to " call back next month to see what your options are '' or " there's nothing we can do to help you. '' XXXX XXXXXX/XX/XXXX, I spoke with insurance ( XXXX ) and escrow ( XXXX ) on the phone at the same time. escrow told me until insurance places the lender placed insurance on XXXX XXXX that they can not fix my escrow account. This is a legal violation of the law under RESPA. I sent a letter via certified mail detailing dates, time and dollar amounts along with a copy of the cancelled policy last week. I also faxed it to a number on their website. I was later informed when I spoke to insurance And escrow XXXX XXXX XXXX, that that was not the right phone number. I was then given another fax number and an email address. I then sent the company that letter with proof of cancellation to an email address that was provided. I have to fax documents this week to the phone number to protect myself legally. Their website has limited and wrong contact information. When I have called to verify information and to get information, they have given me the wrong information. I believe this company is actively working to take my home. This is a violation of my rights under federal law RESPA and under USDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I attempted to transfer {$2000.00} from my Chime banking account to my XXXX checking account. I chose the option of transferring in XXXX business days. I did a similar transfer on XX/XX/XXXX at XXXX XXXX I attempted a transfer of {$1200.00} from my Chime banking account to my XXXX checking account. I also chose the option of transferring in XXXX business days. After not receiving the funds I contacted Chime customer service ( XX/XX/XXXX ) as well as XXXX customer service. Neither chime or XXXX were able to offer a solution and recommended waiting the full 3 business days for the funds to show up. I waited 5 full business days and provided proof to chime customer service ( in my dispute ) that the funds did not arrive in my linked XXXX account. They denied my dispute two times. The first dispute was denied in one day on Saturday XX/XX/XXXX, after uploading proof of transfer and my transaction history my dispute was denied again on Sunday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a flight through the XXXXapital One Travel portal and added Cancel for Any Reason. The booking showed cancellation available until XX/XX/XXXX. After modifying the flight in the app, the booking page still displayed that the cancellation protection was active through XX/XX/XXXX. When I attempted to cancel in the app while that window was displayed, the app returned an error instructing me to call support. When I called, I was told the modified flight was not cancelable and the protection no longer applied to the new flight. If the app had indicated that modifying the itinerary would remove the protection, I would have canceled the original booking and purchased the new flight separately. Because of this I paid the cost of a total new flight ( XXXX - the same price as if I had bought it new in the capital one travel portal on the same day ) in addition to the cost of the original flight ( XXXX ). I am requesting review and reimbursement of the original flight, honoring the add on protection I purchased. Because of the misrepresentation I paid roughly XXXX for a flight that only ever cost XXXX new, even after purchasing cancel protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against Resurgent Capital Services and LVNV Funding LLC for their failure to respond to multiple written disputes and validation requests regarding an alleged debt that does not belong to me. Over the past several months, I have sent more than five written requests for debt validation to Resurgent/LVNV Funding regarding this account. These requests were sent in good faith so that the company could provide documentation proving that I am legally obligated for this alleged debt. Despite these repeated requests, they have completely ignored my letters and have failed to provide any validation whatsoever. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), when a consumer disputes a debt and requests validation, the debt collector must cease collection activity until proper verification of the debt is provided. Resurgent/LVNV Funding has not provided any documentation demonstrating that this alleged debt belongs to me. Additionally, the continued reporting of this account on my credit report raises serious concerns under the Fair Credit Reporting Act ( FCRA ). Under FCRA 623 ( a ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to report accurate information and conduct a reasonable investigation when a dispute is submitted. Ignoring repeated written disputes and failing to provide documentation does not constitute a reasonable investigation. Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation when disputed information is reported. If Resurgent/LVNV Funding can not provide documentation proving that this debt belongs to me, the account should not continue to be reported. At this time, I am formally requesting that the CFPB require the following : Immediate deletion of the Resurgent/LVNV Funding account from my credit reports with XXXX XXXX and XXXX due to failure to validate the debt. Written documentation showing the original signed contract, a complete payment history, and proof that LVNV Funding has the legal authority to collect the alleged debt. Disclosure of the Method of Verification ( MOV ) used to verify the account as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Immediate cessation of all collection activity unless proper validation is produced in compliance with federal law. I have made numerous good-faith attempts to resolve this matter directly with Resurgent/LVNV Funding, but they have ignored my letters and failed to comply with their legal obligations. Reporting and attempting to collect a debt that has not been validated and does not belong to me is damaging my credit and violates my rights under federal consumer protection laws. I am requesting that the CFPB investigate this matter and require the removal of this inaccurate and unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Date : XX/XX/year> Equifax information services llc XXXX XXXX XXXXXXXX XXXX GA XXXX Unauthorized Collection Account on Credit Report To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report which I believe has been reported in error and without my authorization. The account in question is a collection account reported by [ XXXX XXXX XXXX XXXX ] for the amount of [ XXXX ], listed under account number ending in [ XXXX ] I have no knowledge of this account and did not authorize any agreement, service, or transaction that would justify this debt being placed in collections under my name. As such, I believe this account has been inaccurately reported. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am requesting that this account be investigated and verified. If the furnisher of this information can not provide adequate proof that this debt was legitimately incurred and authorized by me, it must be removed from my credit report immediately. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of the disputed information within 30 days of receiving this notice. If verification can not be provided within that time frame, the account must be deleted from my credit file. I request the following actions : 1. Conduct a full investigati on of the disputed collection account. 2. Provide documentation showing that I authorized this debt, including any signed contracts or agreements. 3. Remove the account from my credit report immediately if proper verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I am filing this complaint against Comenity Capital Bank ( XXXX ) regarding deceptive promotional practices and a refusal to negotiate a reasonable repayment plan. I was placed on a " XXXX no interest '' promotional plan. I made the suggested monthly payments in good faith, under the reasonable belief that these payments were structured to satisfy the balance within the promotional period. However, XXXX failed to provide clear notice that the " suggested '' payments would leave a significant balance at the end of the term. One month prior to the expiration, I was informed that a remaining balance would trigger over {$2000.00} in retroactive " deferred interest. '' This practice is predatory, as the companys own payment structure ensured I would not meet the deadline, effectively " back-loading '' an unmanageable debt bomb onto the account. I have already completed one hardship program. Despite the fact that this {$2000.00} interest charge was generated by their own misleading payment calculations, the company refuses to extend the hardship or offer a settlement, pushing me toward an avoidable default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a fraudulent transaction amount of {$1200.00} that occurred on my Cash App account on XX/XX/year>. I believe I was a victim of a scam, and I am requesting that your complaint department review this matter and assist in resolving it. I sent this payment after being misled by an individual who provided false information and deceptive claims. I later realized that this person was operating a scam. As soon as I became aware of the situation, I attempted to address the issue and report the transaction. This incident has caused serious hardship for me and my family. Because of the loss of these funds, I have been left without transportation, which led to the loss of my job. Additionally, my child has been unable to attend school and daycare due to the lack of a vehicle and financial resources. This situation has placed my household in an extremely difficult position. I respectfully request that Cash App conduct a full investigation into this fraudulent transaction and provide a refund of the funds that were wrongfully taken from my account. I am willing to provide any supporting documentation, screenshots, or communication records necessary to assist with the investigation. Please confirm receipt of this complaint and inform me of the next steps in resolving this matter. I would greatly appreciate your prompt attention to this urgent situation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding the sudden and unjustified closure of my PayPal account, which currently contains over {$3700.00} of my personal funds. PayPal informed me that my account was permanently limited and that my funds would be held for XXXX days before I could access them. However, I was not given a clear explanation for this action, nor was I provided with an opportunity to resolve or clarify any alleged issue. These funds belong to me and are essential for my daily living expenses. I am a XXXX XXXX XXXX XXXX XXXX, and withholding this money for six months places my family in severe financial hardship. This situation has created significant stress and has directly impacted my ability to provide for my children. I fully understand that financial institutions must follow security and compliance procedures. However, holding my legitimate funds for such a long period without proper explanation or a fair review is unreasonable and harmful. I respectfully request that PayPal conduct an immediate review of my account and release my funds as soon as possible. I am fully willing to provide any documentation, identification, or verification necessary to resolve this matter. My only request is fair treatment and prompt access to the money that rightfully belongs to me. I am asking for the immediate release of my funds or, at minimum, a clear explanation and expedited review of my account limitation. I would like this situation handled immediately between the consumer and I without having to sue the company for wrongfully holding my funds against my will and releasing on their timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I discovered several transactions on my Apple Card that I did not authorize. After noticing these charges, I immediately contacted Apple Card customer support and filed disputes. However, the disputes were denied without a clear explanation or proper investigation. I submitted multiple disputes and requested further review, but the company still rejected my claims. I believe these transactions were unauthorized and should not be my responsibility. I am requesting that Apple Card conduct a proper investigation into these transactions and remove the unauthorized charges from my account. I also request that the company provide a clear explanation of how the investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX I was going through and cancelling credit cards that I never use, I came to the home depot card, through citi-card and saw that someone had maxed it out with purchasses in XXXX, and the card had been canceled. I called Citi-card to report fraud, and open an investigation. I was told that in XXXX months I would recieve a letter. about 7 months later I called again to report it again, and was told the same thing. I have never recieved anything back from them. I have continuted to make the minimum payment in good faith.

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 monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by XXXX XXXX XXXX on my credit reports. I have disputed this account multiple times with the credit reporting agencies and directly with the company. Each time the account has been marked as verified, however I have never been provided documentation proving that I legally owe this debt or that XXXX XXXX has the legal authority to collect it. The account being reported is : XXXX XXXX XXXX Original Creditor : XXXX / XXXX XXXX Balance approximately {$780.00} Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must provide proper validation of a disputed debt. To date, XXXX XXXX has not provided : A copy of the original signed credit agreement Documentation proving I am legally responsible for the debt Documentation showing XXXX XXXX legally owns or was assigned this debt A complete chain of assignment from the original creditor to XXXX XXXX A full accounting of the balance being reported Instead, the account continues to be reported to the credit bureaus as verified without proper documentation being provided. Because this account has not been properly validated, I believe it is being inaccurately reported and is causing significant damage to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : Formal Dispute and Request for Proper Verification Account : Portfolio Recovery Associates Account No. XXXX To Whom It May Concern, I am writing to formally dispute the verification of the account listed on my credit report that is being reported by Portfolio Recovery Associates ( Account No. XXXX ). After submitting my dispute, I received documents that allegedly served as proof of this account. However, the documents provided were merely a photocopy of a billing statement and a copied signature, which does not constitute proper verification of a debt or proof that I entered into a legally binding agreement for this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), when a consumer disputes information on their credit report, the credit reporting agencies are required to conduct a reasonable reinvestigation to determine the accuracy of the information. Providing or relying on a photocopied bill and a non-original signature does not meet the legal standard for verification. Additionally, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported on consumer credit files. Furthermore, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), proper validation of a debt requires documentation showing that the consumer is legally obligated to pay the alleged debt. A computer-generated statement or photocopy of a bill does not establish contractual liability. Therefore, I am requesting that the credit reporting agencies provide the following documentation : XXXX. A copy of the original contract or application with my wet ink signature. XXXX. The original agreement that shows I legally accepted responsibility for this account. XXXX. Documentation proving that Portfolio Recovery Associates has the legal authority and assignment to collect and report this debt. XXXX. A complete chain of custody/assignment of the alleged account from the original creditor to the current reporting entity. If the credit reporting agencies and the furnisher of the information can not provide the above documentation with an original wet signature, the account must be deleted immediately from my credit file pursuant to the Fair Credit Reporting Act. Please also provide the method of verification used to determine that this account belongs to me. Failure to properly investigate and continuing to report unverifiable information may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o of the * * Fair Credit Reporting Act. Please complete your reinvestigation and notify me of the results within the time frame required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> I financed a purchase through Affirm for a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX totaling {$1300.00} ( XXXX XXXX XXXX ). The shipment was sent via XXXX ( tracking XXXX ) and marked delivered on XX/XX/year>. The XXXX driver handed the package directly to me, but when I opened the box shortly afterward it was empty and contained none of the devices. I immediately reported the issue to XXXX and XXXX. On XX/XX/year> I filed a police report with the XXXX XXXX XXXX XXXX ( case XXXX ). XXXX opened investigation case XXXX but never followed up with findings. I attempted to resolve the issue with XXXX through multiple follow-up emails, but the missing merchandise has never been resolved. Because the purchase was financed through Affirm, I attempted to open a dispute through my Affirm account ; however, the system refused because the purchase was more than XXXX days old. I am requesting assistance because I am still responsible for financing a purchase for goods that were never received. I am requesting that Affirm investigate the transaction with the merchant and correct the financing obligation once the merchant resolves the non-delivery.

Company response to consumer: Closed with explanation