vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: V and H Portfolio
State: KY

Complaint narrative:
I am a survivor of XXXX XXXX. The debt being collected by Vance and Huffman LLC was incurred as a direct result of being trafficked and is not my responsibility. Under the Debt Bondage Repair Act ( DBRA ), codified within the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3, this adverse information is legally void and must not be reported on my consumer credit file. 

On XX/XX/year>, I sent a formal written notice via email to the debt collector, Vance and Huffman LLC, asserting my rights under the XXXX and disputing this debt in its entirety. 
Here is a draft for your complaint to the Consumer Financial Protection Bureau ( CFPB ). I have removed your personal information as requested and focused on the facts, the laws cited, and the actions you have taken. 

You can copy and paste the text below directly into the " What happened? '' section of the CFPB complaint form. 

Complaint Narrative for CFPB Company : Vance and Huffman LLC Date of Communication : XX/XX/year> Description of Complaint : I am a survivor of human trafficking. The debt being collected by Vance and Huffman LLC was incurred as a direct result of being trafficked and is not my responsibility. Under the Debt Bondage Repair Act ( DBRA ), codified within the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3, this adverse information is legally void and must not be reported on my consumer credit file. 

On XX/XX/year>, I sent a formal written notice via email to the debt collector, Vance and Huffman LLC, asserting my rights under the DBRA and disputing this debt in its entirety.

In that correspondence, I took the following actions : Asserted DBRA Rights : I formally notified them of my status as a trafficking survivor and demanded the immediate cessation of collection activities and the deletion of the entry from my credit reports.

Demanded Validation : I requested full validation of the debt pursuant to FDCPA 809 ( b ), including proof of the original creditor, the contract, and their authority to collect.

Restricted Communication : As a participant in a state Address Confidentiality Program for my safety, I explicitly instructed the agency that all communication must be via email only. I strictly prohibited telephone calls or physical mail. 

Despite this debt being the result of coercion and a violation of my federal rights, it currently appears on my credit report. I am filing this complaint to ensure the agency complies with the FCRA and FDCPA, immediately ceases collection attempts, and removes this item from all credit reporting agencies ( Equifax, Experian, and TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a letter from CITI bank stating they had lowered my credit limit but that I could call to request reinstatement of my limit. The letter stated if I did so within 60 days there would be no impact on my credit score. 

On XX/XX/XXXX I called to request reinstatement, and the customer service rep said I would have a response within a week. They never responded. 

On XX/XX/XXXX I called again, and the XXXX XXXX said she would put a flag on my request so they would follow up. She said to give them a week. No one responded. 

On XX/XX/XXXX I called a third time. The XXXX XXXX said there was nothing he could do but try to submit the request again. I asked to escalate this to a manager, and he said he couldn't. I asked for any other options, and he said he could submit a customer complaint. I asked him to do so, and he said that he did ( I have no confirmation that it occurred ). No one has responded to either my complaint or my original request.

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 2026-01-21 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: TX

Complaint narrative:
I disputed two charges from the same merchant, XXXX XXXX, related to the same insurance enrollment issue. Capital One opened two separate disputes because there were two transactions. 

Capital One approved one dispute for a refund for {$180.00} from XX/XX/year>, but denied the other dispute for {$180.00} from XX/XX/year>, even though both charges were made by the same merchant and are part of the same issue. 

Capital One requested additional documentation, and I uploaded all requested documents. After that, Capital One closed the dispute stating I did not submit the documents even though I did submit them. I called Capital One and was told the dispute would be reopened and that I could resubmit the documents. I resubmitted the documents again, but Capital One denied the dispute again the same day without properly reviewing the information. 

I am requesting that Capital One reopen and fully reinvestigate the denied transaction, confirm receipt of the documentation I submitted, and provide a written explanation for why the XX/XX/year> ( {$180.00} ) charge was approved but the XX/XX/year> ( {$180.00} ) charge was denied even though they are both from Care Connect and relate to the same dispute reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
I have sent proper documentation on XX/XX/XXXX and currently today XX/XX/XXXX of my homeowners insurance and spoke with a representative from flat branch XXXX department who said the issue should have been resolved and they had all proper documentation on XX/XX/XXXX and now I am getting a letter stating they are purchasing insurance for me that was sent out from them on XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX, I purchased and financed a residential water filtration system for approximately {$8500.00} using a Synchrony Bank credit account. Shortly after installation, the system began experiencing repeated malfunctions, including water leaks and improper operation. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted the merchant multiple times to report these issues and request service, repairs, or cancellation. Many calls went unanswered, and when contact was made, the merchant stated that they were not responsible for any promises made by the salesperson and that only the fine print of the contract applied. Despite multiple service visits and component replacements, the system never functioned properly. 

In XXXX, I formally disputed the charges with Synchrony Bank, providing documentation including screenshots of unanswered calls, service issues, and evidence of improper handling by the merchant. During the dispute process, payments were frozen multiple times, and I was informed that the bank would contact the merchant to investigate. 

In XX/XX/XXXX, Synchrony Bank denied and closed the dispute, holding me responsible for the full {$8500.00} charge. After the dispute was denied, I was forced to continue dealing with the merchant and accept additional system changes. 

The system continues to malfunction and is now causing damage to the rental property where I reside. The merchant is demanding additional payments to send technicians, even though the issues are due to a product that has been defective since installation. 

In XX/XX/XXXX, Synchrony Bank reduced my credit limit on this account, citing delinquency and credit factors directly related to the unresolved disputed charges. This action caused further financial harm and negatively impacted my credit profile. 

I believe Synchrony Bank failed to properly investigate and resolve a valid billing dispute involving defective goods and unfairly penalized me for charges that should not have been upheld.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Account PORTFOLIO RECOV ASSOC XXXX | am unaware of this that and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding an alleged debt they claim to own originating with Oportun , Inc. 

I timely sent a written debt validation request via certified mail to the address listed by XXXX XXXX. USPS tracking confirms the correspondence was returned to me as undeliverable due to an expired or invalid forwarding address. As a result, XXXX XXXX failed to receive or respond to my request and failed to provide any validation of the alleged debt. 

Despite failing to maintain a valid address for consumer disputes, XXXX XXXX has continued collection activity and communications. This prevents me from exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Additionally, XXXX XXXX has previously responded to a CFPB complaint stating that they terminated collection efforts and would request deletion of their tradeline if reported. However, they have continued communications regarding this alleged debt without providing validation. 

Due to the failure to provide proper validation, failure to maintain a valid dispute address, and continued collection activity, this alleged debt remains unverifiable. Reporting or attempting to report this account would violate the Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Calls continuously with no information about the debt. Nearly every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication serves as a formal dispute of the above-referenced account and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt. 

You reference Account XXXX XXXX and claim an alleged balance of {$1300.00}. You are hereby required to provide competent, complete, and legally sufficient evidence that I am obligated to pay this amount, including but not limited to : The exact amount of the alleged debt, including a full itemization of principal, interest, fees, and any additional charges. 

The name and address of the original creditor and documentation establishing the chain of assignment or ownership, including any agreements authorizing Halsted Financial Services to collect on this account. 

Copies of any signed agreements, applications, contracts, or other documents bearing my signature that create a legal obligation to pay this debt. 

Proof that Halsted Financial Services is properly licensed and authorized to collect debts in my state. 

Proof that the alleged debt is within the applicable statute of limitations. 

A copy of any judgment you claim exists, if applicable. 

Until proper and complete validation is provided, you are legally required to cease all collection activity, including but not limited to phone calls, emails, letters, and credit reporting. 

If you are unable or unwilling to provide proper validation, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to delete this account from all consumer credit reporting agencies, as unverified or inaccurate information may not be reported. 

Any continued collection activity or credit reporting without first providing validation will be documented as potential violations of federal and state law. 

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Provide all requested documentation electronically. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
Square restricted and ultimately XXXX my merchant account without providing a clear, specific explanation, evidence, or meaningful opportunity to dispute the action. 
I operate a legitimate sole proprietorship and used Square exclusively for lawful, in-person and business-related transactions. I complied with Squares identity verification, business information requests, and transaction requirements. Despite this, Square abruptly restricted my account and deactivated associated cards, without advance notice or disclosure of the specific reason for the action.

Square did not identify any particular transaction, customer complaint, chargeback, or policy provision that allegedly justified the restriction. Communications received were generic and non-specific, preventing me from understanding or correcting any alleged issue.

This action caused material financial harm by interrupting my ability to accept payments, disrupting business operations, and interfering with refunds and fund access. Square has not demonstrated that this restriction was justified, proportionate, or applied with transparency or due process.

I am formally disputing Squares actions and requesting regulatory assistance to compel Square to provide a clear explanation and conduct a fair review of my account.

I operate as a sole proprietor and have an EIN My transactions were primarily in-person and business-related I was not informed of any fraud allegation, excessive chargebacks, or customer disputes prior to restriction I am prepared to provide invoices, receipts, supplier records, and customer documentation immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I believe the collections isn't mine. Please investigate further. XXXX XXXX XXXX XXXX showing 0 % left to pay on my report but still reporting negatively. XXXX XXXX showing {$0.00} balance but still reported negatively on my credit report. Please check accuracy on the reporting.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I tried to get a loan through lightstream, they reached out through XXXX I signed paperwork to start a 36 month payment to pay off the loan. They asked for my account username and password and I even questioned them about that. They told me the finance team needed it to verify my account and to make sure it was legitimate. I had a funny feeling but was desperate so I proceeded anyway. He then had me go to XXXX and told me to stay in the parking lot and call him when I got there to attempt to scan a barcode to send {$200.00} to prove my account was running. I went to XXXX and got rejected service because they told me that it sounded like a scam and they were trained to not make transactions that didnt seem legit. I called and told him that and he started yelling at me and threatening me and I even have texts showing that as well. These people have my bank info, my ssn, my address, my ID, everything. And he told me that if I didnt send him the {$200.00} that I will be in trouble Long story short, Chase Bank closed my account with my own money in it and everything. When I called chase they told me that they couldnt open it back up and that the money from this loan was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
on XX/XX/year> I opened a wells fargo checking account that advertised a {$400.00} bonus for making a minimum {$1000.00} direct deposit. 

on XX/XX/XXXX I received a direct deposit for {$11000.00} I also received {$1000.00} and {$1000.00} direct deposits on XX/XX/XXXX and XX/XX/XXXX Wells fargo has not yet given me the promised {$400.00} rewards

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
am submitting this complaint regarding my credit card account and the creditors refusal to offer a reasonable settlement despite documented financial hardship related to divorce.

I experienced a significant financial hardship due to divorce and loss of access to shared financial resources. I contacted the creditor to request a settlement or fee adjustment so I could resolve the balance responsibly.

I informed the creditor that I am willing and able to pay the outstanding balance if all accumulated fees, penalty charges, and additional assessed amounts ( approximately {$300.00} ) are removed. However, my request for settlement or fee waiver was denied.

I want to emphasize that I did not use the card for new purchases during this period. I made multiple attempts to pay down the balance, but the account balance continued to increase due to repeated fees, penalty charges, and interest assessments.

Despite my good-faith efforts to resolve the account, the continued accumulation of fees made it impossible to meaningfully reduce the balance.

I am requesting the creditor to : Remove all excessive fees, penalty charges, and additional assessed amounts ( approximately {$300.00} ) Allow me to pay the remaining principal balance Provide a fair and reasonable resolution based on documented financial hardship I believe the creditors refusal to consider a reasonable settlement or fee adjustment under these circumstances is unfair and inconsistent with good-faith consumer servicing practices.

I am seeking CFPB assistance to facilitate a fair resolution so I can fully resolve this 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home 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: NC

Complaint narrative:
After I submitted a Notice of Error and CFPB complaint, Rocket Mortgage continued the same issues instead of correcting them. I pay biweekly and in XXXX my payments were applied without issue, including small overpayments towards the principal, but in XXXX Rocket repeatedly misapplied or held payments while claiming I owed the full monthly amount just like in XXXX. 
Rocket only clearly notified me of a payment increase one time, on XX/XX/XXXX, stating the new amount was effective XX/XX/XXXX. In XXXX I overpaid by hundreds of dollars, and those funds are not clearly accounted for. 
Rocket performed an annual escrow analysis in XXXX, then again in XXXX, where my escrow shortage increased from approximately {$1900.00} to {$4600.00}. They conducted three escrow analyses within six days and never clearly notified me of the new required payment amount, only stating my payment may change and directing me to check statements. Rocket mortgage has consistently changed my payment amount without written notice and said I was short on payments I didnt know existed.

Despite these unresolved issues and lack of clear notice, Rocket reported me late a mere days after my Notice of Error.

Company response to consumer: Closed with explanation