vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My mortgage servicer, Rocket Mortgage, closed my escrow account on XX/XX/XXXX without my authorization. I never requested this closure at any time. Full timeline of my attempts to resolve this : XX/XX/XXXX Called Rocket Mortgage at ( XXXX ) XXXX, XXXX minutes, to dispute an escrow shortage calculation. Also emailed XXXX the same day. XX/XX/XXXX Received a generic response ( Ref XXXX ) that did not address my question. XX/XX/XXXX Received an Escrow Closing Notice ( Ref XXXX ) that I did not request. Immediately emailed Rocket Mortgage stating This is not what I requested. Sent a second detailed email the same day. XX/XX/XXXX Sent another follow-up email ( Ref XXXX ). XX/XX/XXXX Emailed again stating I DID NOT request this. XX/XX/XXXX Called again at ( XXXX ) XXXX, XXXX minutes. Was told someone would follow up. No one did. XX/XX/XXXX XXXX account was closed anyway. My XX/XX/XXXX mortgage statement confirms escrow is now {$0.00}. I am now exposed to missing property tax ( $ XXXX ) and homeowners insurance ( $ XXXX ) payments with no notice, no plan, and no authorization given. I am requesting CFPB intervention to require Rocket Mortgage to immediately reinstate my escrow account and provide a corrected escrow analysis. This was my original request that they did not respond : I am writing regarding the Annual Escrow Account Disclosure Statement I received dated XX/XX/XXXX, which shows a shortage of {$1400.00} and a new monthly payment of {$2200.00} effective XX/XX/XXXX. I believe this shortage calculation may not account for a {$4000.00} insurance refund that was applied to my escrow in XX/XX/XXXX. Here is a summary of what occurred : XXXX. In XXXX and XX/XX/XXXX, my escrow disbursed a combined ~ {$8000.00} for hazard insurance during a mid-year XXXX policy transition significantly more than the ~ {$3200.00} that had been estimated. XXXX. After the transition, I contacted XXXX and had my annual premium reduced. XXXX issued a {$4000.00} refund check, which was sent directly to Mr. Cooper and applied to my escrow account in XX/XX/XXXX. This is reflected in my escrow activity history as a XX/XX/XXXX deposit of {$4600.00} ( vs. the normal {$510.00} ). XXXX. My current XXXX annual premium is {$3300.00}, which aligns with Rocket Mortgage 's own projections for the upcoming year. Given that the {$4000.00} credit was applied to my escrow after the shortage period, I'd like to request a recalculated escrow analysis before the new payment takes effect on XX/XX/XXXX. Please confirm in writing what the corrected shortage amount is, if any, once the XXXX credit is properly factored in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/year> scammers called my phone using an official navy federal number and obtained confidential debit card information. Because they callers had all of my information, I believe they were helping me with a fraudulent transaction that occurred. After gaining my trust and information they were able to make transactions through XXXX XXXX, effectively draining all my funds. I created fraud case with cash on XX/XX/year> and a fraud case with navy federal on XX/XX/year> and on the same day another group of scammers tried to obtain more information from me with an official navy federal number. Both cases were closed on XX/XX/year> and no details were provided on why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with MIDLAND CREDIT MANAGEMENT. they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that a collection was added to my credit report from Credence Management regarding an account Reference ID : XXXX for the amount of {$970.00} for an XXXX XXXX XXXX XXXX bill. I called Credence Management and spoke to a customer service representative who identified herself as XXXX XXXX. She stated that the debt was for a property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida and was from XX/XX/XXXX. I stated that I did not own property at that address and knew of no account tied to me. On XX/XX/XXXX, I requested in writing to Credence any documentation of the account, documents used to open the account and any correspondence or bills on the account. I again requested in email this information several times. Credence has not sent me any information on the account. I reached out directly to XXXX XXXX XXXX the office of the President. A representative, XXXX XXXX, stated that the account was for XXXX XXXX XXXX XXXX XXXX. apt XXXX for a debt owed in XX/XX/XXXX- XX/XX/XXXX. I provided XXXX with documentation that I have not owned that property since XXXX. I provided the bill of sale for the condo to the new owners in XXXX. XXXX stated that the property had a contract with XXXX XXXX XXXX for service through the condo board, XXXX XXXX XXXX. Any payments to XXXX XXXX XXXX during the time I owned the condo were paid directly by XXXX XXXX XXXX XXXX and not individual owners, which would not have been in XXXX. At the time of settlement in XXXX, all condo payments in XXXX were made and all fees to XXXX & XXXX were provided according to the settlement balance sheet. I confirmed with XXXX XXXX XXXX XXXX that the XXXX XXXX no longer has any contract with XXXX XXXX XXXX and did not have a contract with XXXX XXXX XXXX in XX/XX/XXXX and has not had a contract with XXXX XXXX XXXX since XXXX. I have no individual contract with XXXX XXXX XXXX for service in XXXX and currently have service through XXXX. I requested in writing to XXXX XXXX a copy of all transaction history, a copy of any debt owed including the dates of such debt and the service provided, as well as a copy of any contract between XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX has not provided any of the information regarding the account that I requested and no one from XXXX XXXX XXXX has provided any account information in writing. Given that XXXX XXXX did not have a contract with XXXX XXXX XXXX in XX/XX/XXXX, and that I no longer owned the condo in XXXX, I stated to XXXX XXXX XXXX that this account is fraudulent. XXXX XXXX XXXX has since closed out my fraud complaint as of XX/XX/XXXX, XXXX day after I filed a fraud complaint. I require the documentation in order to file my fraud complaint, police report, and to dispute this claim with the credit agencies, but XXXX XXXX XXXX is not providing any of the documentation required under the Fair Credit Act to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Huntington Debt Holding LLC
State: LA

Complaint narrative:
On Tuesday, XXXX XXXX at XXXX am, I received a phone call from " XXXX ''. A man named XXXX left a voicemail alleging he had tried to contact me several times, and he mentioned wanting to " keep the matter outside [ my ] place of employment ''. This was the first message I ever received from this company. On Tuesday, XX/XX/year> at XXXX XXXX, I received another call from a man named XXXX with the same company. He left a message stating that they would soon " begin the verification of employment process ''. At XXXX XXXX that day, I returned the call and spoke with XXXX for XXXX minutes. Upon answering, he did not identify the company as a collections agency. He vaguely presented himself as some sort of legal representation for the original creditor. He claimed that he " sent a letter to [ my home address ] '', to which I replied that I had never received it. He stated that he would be able to contact me " over there at [ my employer 's address ]. '' The use of exact locations was intended to frighten me as a single woman. He then stated that if I did not pay, he would " mark it as a refusal to pay '' because I was " defrauding a business ''. The overall tone of the conversation was threatening and ominous, implying that I would be facing legal and/or criminal ramifications due to non-payment. He offered me the opportunity to call him back, but he " needed to hear back by XXXX that day ''. I did not call back because I was not interested in another anxiety ridden encounter. On Thursday, XX/XX/year> at XXXX XXXX, I missed a call again from XXXX XXXX XXXX. XXXX XXXX left a voicemail stating he was " following up on a notice that was mailed out to [ me ] and it did require a response. '' He said he had " some very important information to go over '' and he was " trying to keep this matter outside [ my ] place of employment. '' I was at work and a minute later, the business phone rang with a caller ID of " XXXX ''. This company is not operating in good faith. They are attempting to coerce payment from me by harassing me at work. I do not have any documentation from them, only menacing voicemails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no recollection of ever establishing this account, and my records contain no indication that it belongs to me.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
Ive received repeated calls and mail regarding this debt of {$130.00}. I first started receiving mail in XXXX. I do not owe this debt, Im unfamiliar with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 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: VA

Complaint narrative:
{$44.00} XX/XX/year> {$120.00} XX/XX/year> {$50.00} XX/XX/year> {$74.00} XX/XX/year> {$500.00} XX/XX/year> {$350.00} XX/XX/year> {$260.00} XX/XX/year> {$400.00} XX/XX/year> Total : {$1800.00} XX/XX/year> I did not authorize these charges. They were done while I was sleeping, and a girl I was seeing at the time accessed my Cash App account and sent these transactions without my knowledge. I filed a case almost immediately on XX/XX/year>, to request a refund. Cash App initially told me the case ( XXXX ) would be resolved in XXXX business days. XXXX business days passed with no communication or update. I called Cash App to inquire when the case would be resolved, and I would be refunded my money. Cash App then told me XXXX calendar days. XXXX calendar days passed. I call and call and call to get an update, but no one can say when it will be resolved, and I keep getting conflicting information from different departments within Cash App. Cash App then tells me that, XXXX calendar days after I filed the dispute, the dispute/case would be resolved. XXXX calendar days have passed, and I can not get a clear answer as to what is going on with my case ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow-up complaint against Bank of America regarding ongoing misapplication of principal-only payments on RV loan account ending in XXXX. Although Bank of America responded to my prior CFPB complaint ( case number XXXX, response dated XX/XX/XXXX ) claiming that my excess payments were reversed and reapplied as principal reductions, my monthly statement dated XX/XX/XXXX demonstrates that the underlying misapplication problem persists. Evidence of continued misapplication : 1. Next payment due is artificially reduced, indicating continued paid-ahead status. The XX/XX/XXXX statement lists the Total payment due by XX/XX/XXXX as {$150.00}. My historical regular monthly payment, documented across more than two years of prior statements, is {$260.00}. A simple principal reduction does not lower the contractual monthly payment on a standard installment loan only paid-ahead status does. Per Bank of Americas own statement language on page 4 : You may notice your next payment due date on your statement has moved forward or your payment amount has decreased. This is direct evidence that despite Bank of Americas assurance to the CFPB that my payments were reapplied as principal-only, my account remains in paid-ahead status. 2. The transaction history shows the system continues to misapply payments by default. Each of my three principal payments ( {$7000.00} on XX/XX/XXXX, {$2000.00} on XX/XX/XXXX, and {$3000.00} on XX/XX/XXXX ) appears in the transaction activity first as a REG PYMT REV entry with the amount split between principal and finance charge, and only then as a PRINCIPAL PYMT. This proves that Bank of Americas payment system applied each payment as a regular monthly payment first taking the interest portion before manually reversing and reapplying it. This is not a fixed process ; it is an after-the-fact correction that only occurred because I filed a CFPB complaint. 3. No structural change has been made. Bank of America has not provided any mechanism to ensure future principal-only payments are applied correctly at the time of submission. The same default behavior misapplication followed by required manual intervention will recur with every additional payment I attempt.

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 2026-05-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Appeal of Denied Fraud Dispute Unauthorized Recurring Charges $ [ XXXX ] Description : I am filing this complaint against Citibank regarding their failure to properly investigate and resolve a series of unauthorized charges on my XXXX XXXX XXXX card totaling {$1100.00}. Despite filing XXXX formal disputes, Citibank has denied my claims. Their stated reason is that " authorized account information '' was provided to the merchants. This conclusion is logically and legally flawed. While the card credentials ( authentication ) may have been used, I never authorized these transactions, nor do I have any relationship with these merchants. Key Points of Contention : No Prior Relationship : I have never purchased goods or services from these merchants. These are not " forgotten '' subscriptions ; they are fraudulent account takeovers or subscription scams. Lack of Evidence : Citibank has failed to provide the " documentary evidence '' they used to deny my claim, which I am entitled to under the Fair Credit Billing Act ( XXXX ). They have not produced a signed contract, an IP address log matching my location, or proof of delivery to my home address. Authentication vs. Authorization : Citibank is conflating the possession of card data with my personal authorization. Under the FCBA and Citibank 's own XXXX XXXX policy, my liability for unauthorized use should be {$0.00}. Payment Made Under Protest : I have already paid the disputed balance of {$1100.00} in full. This payment was made under protest solely to protect my credit score from negative reporting while this investigation continues ; it is not an admission of liability. Citibanks refusal to reverse these charges places the burden of merchant fraud entirely on the consumer. I request that Citibank reopen this case, conduct a thorough investigation into the merchants authorization logs, and issue a full credit to my account.

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 2026-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My account has been restricted for around XXXX months now and its with Amex. XXXX time I called them I was told I need to link the source bank account I transferred from to my social security, which I did Post that I was told that I need to complete a notary verification which I successfully did on my end. I was then told that I just need to wait for a few days but after that my account is still restricted, and I am not being given an XXXX and neither the reason why my account is still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against Affirm regarding their handling of a fraudulent loan opened in my name. I discovered unauthorized activity involving an Affirm loan and reported the transaction as fraudulent immediately after becoming aware of it and before the transaction was processed by Affirm. Despite the prompt reporting, Affirm informed me that there was nothing they could do, proceed to process the loan and stated that the matter was my responsibility. During my communication with Affirm, I explained that my research indicated the merchant associated with the transaction appeared to be illegitimate. I was unable to reach the merchant using the phone number listed online, which further raised concerns that this may have been part of a scam or fraudulent operation. Even after providing this information, Affirm instructed me to contact the merchant directly rather than taking meaningful action to investigate or halt the fraudulent loan. I am extremely concerned that a financial institution processed and maintained a fraudulent loan despite immediate notification and clear warning signs regarding the merchants legitimacy. I believe Affirm failed to adequately protect consumers from fraud and failed to properly investigate my dispute. I would appreciate prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft. Citibank is reporting false information to credit bureaus, claiming I made a " voluntary payment '' on XX/XX/year>, to hold me liable for a {$14000.00} fraudulent debt. This is a complete lie. I have strong evidence to prove my case : 1. XXXX STATEMENT PROOF : My XXXX XXXX statement ( Account ending in XXXX ) shows NO payment was made to Citibank on XX/XX/XXXX. Citibank 's claim is fabricated. 2. FRAUD REPORTING PROOF : My phone records ( XXXX XXXX ) show I contacted Citibanks Fraud Department at XXXX on XX/XX/year>. I was reporting fraud, not making payments. 3. UNAUTHORIZED SEIZURE : On XX/XX/year>, Citibank attempted to force a transfer of {$7500.00} from my account. I contacted XXXX immediately and PAID a {$30.00} Stop Payment Fee ( recorded on XX/XX/XXXX in my XXXX statement ) to block this transaction. 4. NON-CONSENT : Paying a {$30.00} fee to STOP a payment is absolute proof that these funds were taken against my will. No one pays a fee to block their own " voluntary '' payment. Citibank ignored my fraud reports and my active attempts to stop their unauthorized withdrawals. I demand that Citibank remove this fraudulent {$14000.00} debt and correct my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally submitting this complaint regarding inaccurate late payment entries appearing on my credit report. These entries do not accurately reflect my payment history and are causing unjust damage to my credit profile. I am requesting an immediate investigation and the prompt removal of these incorrect remarks without 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