vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was settled in full. I recorded the phone call with them on the day that I settled it.And today, when they admitted that I had indeed settled this account. The problem is that I disputed the account with the credit bureaus and they validated the account is good even though the account was settled. I want the account deleted from my credit bureaus.. It's also important for them to knowI recorded the call the day I called and paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding my mortgage account, which was previously serviced by XXXX XXXX and is now serviced by Rocket Mortgage. For several months, I have repeatedly requested a complete payment history covering the first XXXX years of my loan, including the period when the loan was serviced by XXXX XXXX. Despite multiple requests, I have not received the requested records, nor have I been given any clear explanation. The servicing transfer from XXXX XXXX to Rocket Mortgage should not prevent access to my full payment history. Both servicers have a responsibility to maintain and provide accurate loan records. Their continued failure to do so raises serious concerns about compliance with federal mortgage servicing regulations. This issue is especially concerning because I have previously identified questionable charges and inconsistencies on my account. Without access to my full payment history, I am unable to verify the accuracy of my loan, payments, and any fees applied. I respectfully request that : Rocket Mortgage and XXXX XXXX be required to provide my complete payment history without further delay An investigation be conducted into whether both servicers are in compliance with federal mortgage servicing laws Any errors, discrepancies, or improper charges be identified and corrected I have maintained documentation of my requests and communications and am prepared to provide supporting evidence. I am also working with legal counsel regarding this matter. Thank you for your attention and assistance. Sincerely, SL

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo foreclosure sale in XXXX XXXX, Texas is scheduled for XX/XX/2026. The sale was previously suspended and then reinstated. I have NOT received a Notice of Sale by mail, as required under Texas law. I am requesting an immediate suspension of foreclosure activity pending review of procedural compliance and loss mitigation handling.

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 2026-04-15 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: SC

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX Desk from XXXX XXXX XXXX and was charged {$320.00} on my Citi card ( Case ID XXXX ). The merchant did not provide a receipt despite my request at the time of sale. After receiving the desk, I discovered the finish is flaking around several nail heads in multiple locations. The damage appears to be a cosmetic touch-up applied prior to sale that is now failing. This defect was not visible on the showroom floor model I inspected before purchase and was not disclosed at point of sale. The desk carries a XXXX limited warranty per the store 's product record. I placed XXXX documented phone calls to the merchant between XX/XX/XXXX and XX/XX/XXXX. Every call went unanswered. The merchant 's parent company, XXXX XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX ( XXXX XXXX. XXXX, XXXX Bankruptcy Court XXXX XXXX XXXX Delaware ) XXXX All locations have permanently closed. The merchant 's own published FAQ confirms stores are permanently closing and refunds are not being offered. Return of merchandise is physically impossible. On XX/XX/XXXX, I filed a chargeback dispute with Citi. A conditional credit of {$320.00} was issued. Citi subsequently reversed the credit and denied the dispute, directing me to contact the merchant directly. This is the second dispute I have filed against the same merchant. Citi denied both. Directing me to contact a permanently closed, bankrupt merchant is not a resolution. This complaint is related to a previously filed CFPB complaint involving the same merchant and the same pattern of denial.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
This person called my husband first, told him I have a debt and called off my social security number to my husband without being asked. This is while my husband was on blue tooth in his truck with employees present. My husband told him he didn't know anything about this, don't call him. He told my husband he probably had no idea what all I owe and he should really check my credit report. After this, the man called me and again, immediately reads off my entire social security number and DOB, he sounded very aggressive and had a threatening manner. I asked him to send me information in the mail and that I don't give out payments to just anyone who calls me and he got angry, told me they had been mailing things and called off an address of an I investment property where I don't live, confirmed that was not the area they had, they obtained the second address. I kept trying to ask for information by mail or email and he kept talking over me, then hung up. He also subsequently sent texts to my phone and my husbands business phone with info on a debt, including the amount. This identical text was sent to my husband, then me. Both had account link and amount, but he says I'm the only XXXX on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CA

Complaint narrative:
I am disputing materially inaccurate, inconsistent, and misleading reporting published by Experian concerning information furnished by XXXX XXXX XXXX ( XXXX XXXX ), in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). Experian is reporting this account as closed and charged off ; however, it continues to reflect a current past due balance and ongoing updates into 2026. This creates a false and misleading impression that the account remains actively delinquent, which is not logically or legally consistent with a charged-off and closed account. A charged-off account can not simultaneously be reported as currently past due with continued monthly updates without clear, accurate, and consistent reporting. This constitutes inaccurate and misleading reporting under 1681e ( b ) and a failure by Experian to ensure maximum possible accuracy. Additionally, the reported balance exceeds the original credit limit, further demonstrating that the information being published by Experian is inconsistent and unreliable. I previously disputed this matter with Experian ; however, the account was verified without any explanation or supporting documentation. This indicates a failure to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i, as well as a failure to properly address inaccuracies being furnished under 1681s-2 ( b ). The continued reporting of contradictory and misleading information raises serious concerns regarding Experians compliance with federal law. Reporting information that is inconsistent, unverifiable, or misleading to creditors constitutes a violation of the FCRA. If this information can not be fully substantiated with complete and accurate documentation, its continued reporting may be considered negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. I am formally requesting that this matter be taken seriously and corrected or removed in full compliance with federal law.

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 2026-04-15 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: OH

Complaint narrative:
I requested validation of this alleged debt from Midland Credit Management on or about XX/XX/year> via mail and did not receive any documentation or response. I also disputed the account with TransUnion, and it was marked as verified without providing proof or supporting records. XXXX continues to report this account with a balance without validating the debt or demonstrating that it is accurate that it is accurate to me. Marking an account as verified without providing documentation is not a reasonable investigation. This is a violation of the Fair Credit Reporting Act. I am requesting removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chargeback Approval Enabling XXXX Enabled Theft Subject : Complaint Regarding Chase Banks Improper Chargeback Approval and Failure to Uphold Dispute Resolution Standards To the Consumer Financial Protection Bureau, I am filing this complaint regarding XXXX XXXX Banks handling of a chargeback dispute that resulted in financial loss to my business and enabled a form of XXXX enabled theft commonly referred to as friendly fraud. XXXX approved a chargeback despite clear evidence that the cardholder received the merchandise, acknowledged receipt, and later attempted to obtain additional free items unrelated to the original transaction. Summary of the Issue The customer received the merchandise in full and confirmed delivery. After being denied additional free items, the customer filed a dispute with XXXX. The customer did not return the merchandise, did not provide evidence of fraud, and did not claim non delivery. Despite documentation showing the transaction was valid and fulfilled, XXXX approved the chargeback. As a result, the customer retained both the merchandise and the refunded funds. Regulatory Concerns Chases decision appears inconsistent with : Card network operating rules, which require cardholders to return merchandise when disputing quality, dissatisfaction, or similar claims. Reasonable investigation standards under federal consumer protection expectations for dispute resolution. Fair and consistent application of merchant rights in the chargeback process. By approving a dispute without requiring the return of goods or considering the evidence provided, XXXX effectively facilitated an unauthorized transfer of goods and funds. This constitutes a failure to prevent misuse of the chargeback system and raises concerns about Chases internal controls, dispute review procedures, and compliance oversight. Requested Action I am requesting that the CFPB XXXX Chases handling of this dispute and require the bank to : Conduct a full and documented investigation into the chargeback decision Explain why the dispute was approved despite evidence contradicting the cardholders claim Clarify whether XXXX followed card network rules and internal dispute resolution procedures Reverse the chargeback or provide reimbursement for the merchandise lost due to the improper approval Identify what corrective actions will be taken to prevent similar failures in the future Impact Chases actions resulted in direct financial loss to my business and demonstrate a broader issue : the banks dispute resolution process allowed a customer to obtain merchandise without payment, facilitated through Chases approval of an unsupported chargeback claim. I am requesting the CFPBs assistance in ensuring that XXXX complies with applicable consumer protection standards and dispute resolution obligations. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX CREDIT CARD XXXX XXXX charged me XXXX times for what is listed as entertainment or merchandise. I did not buy either. I only bought a seat for change for {$21.00} before the day of the flight. I never gave XXXX approval the keep my info, that is a breach of my privacy. I contacted Discover and I placed my card on a fraud hold when I saw some the illegal for charges while still on vacation in XXXX. I contacted XXXX again when I got a paper copy of my bill. Later XXXX only gave me credit for XXXX charges, not all XXXX. They also punished me by cutting off my credit. I contacted XXXX XXXX on my return flight at the XXXX airport. XXXX NEVER gave a reason for just XXXX refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has refused to refund a documented duplicate charge on my XXXX XXXX account, citing XXXX different and inconsistent reasons across XXXX rejections. The second rejection invokes a deadline that only expired because of the first rejection. Underlying transaction : On XX/XX/XXXX, I rented a car in XXXX, XXXX through Capital One XXXX ( booking XXXX ) for 5 days, prepaid in full at {$410.00} to my XXXX XXXX XXXXXXXX XXXX XXXX. During the rental I extended by XXXX day. At return, the XXXX agent charged my card a second time for the entire rental period XXXX / approximately {$600.00} without applying the prepayment. The duplicate portion ( 4 of 5 days, with the 1-day extension legitimately owed ) is {$480.00}. The duplicate is documented on the face of XXXX invoices : the Capital One XXXX confirmation showing " Already Paid {$410.00}, '' and XXXX invoice XXXX showing the separate {$600.00} charge with no credit for the prepayment. First dispute ( Case XXXX ), filed within the standard window : I provided Capital One with both invoices and my XX/XX/XXXX email to XXXX requesting resolution, which had gone unanswered. On XX/XX/XXXX, Capital One closed the case citing " insufficient information, '' without specifying what was missing. The documentation establishing the duplicate charge was on the record. They instructed me to work with the merchant directly. Merchant follow-up : XXXX did not respond substantively until XX/XX/XXXX roughly XXXX months after my initial outreach. Under their Case # XXXX, they confirmed the XXXX / {$600.00} charge from XXXX XXXX and stated they had no visibility over the Capital One XXXX charge, directing me back to the XXXX XXXX ( Capital One XXXX ). Resubmission and second rejection : On XX/XX/XXXX, I submitted a detailed resubmission to Capital One with the new merchant correspondence, requesting reopening of the case and a refund of {$480.00}. Capital One rejected the resubmission within hours, this time citing that the chargeback timeframe had expired. The issue : This creates a closed loop. My original dispute was filed in time with documentation. Capital One rejected it on unspecified documentation grounds and told me to work with the merchant. The merchant took XXXX months to respond. Capital One now refuses to act on a deadline that expired during the time I was following their own instructions. The shifting rationales across the XXXX denials " insufficient information '' then " timeframe expired '' suggest the dispute was not substantively reviewed at either stage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I obtained a short term payday loan, I did see the payment which would be taken from my account each paycheck XXXX per month. I did not know the interest rate was over XXXX percent. I also did not know that the company Lendumo was not licensed in Washington State. I have made XXXX payments so far of over {$430.00} and my loan principle is only down about {$30.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
SYNOPSIS XXXX Scam Incident Involving Email Spoofing Date of Incident : XX/XX/year>, Victim : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) On XXXX XXXXXX/XX/year>, at XXXXXXXX XXXX, I received an email that appeared to be from XXXX XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ). The email requested a {$100.00} donation to support the XXXX XXXX XXXX XXXX. Believing the request was legitimate and from our organizations president, on XX/XX/year> I sent {$100.00} via XXXX to the recipient listed : XXXX XXXX, phone number ( XXXX ) XXXX. Later on XX/XX/year>, at XXXXXXXX XXXX I received a second email from the same sender thanking me for the donation and requesting an additional {$500.00}, stating that XXXX XXXX would personally reimburse me. This prompted me to call XXXX XXXX directly. He confirmed that he had not sent any emails or donation requests and would never solicit money from members in this way. I then discovered that the scammer had spoofed the email address, replacing XXXX XXXX legitimate address with XXXX. I immediately reported the fraudulent XXXX transaction to XXXX XXXX XXXX and filed a claim for reimbursement. Despite my Preferred Customer status and the clear fraudulent nature of the email, XXXX XXXX XXXX denied my claim ( denial letters attached ). Total Loss : {$100.00} This synopsis is provided along with supporting documentation, including the fraudulent emails, XXXX transaction details, and XXXX XXXX XXXXXXXX denial letters. Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplin & Papa, P.C.
State: NC

Complaint narrative:
I am submitting this complaint regarding unfair and deceptive debt collection and litigation practices by XXXX XXXX XXXX XXXX and its legal representatives. The alleged debts consist of two credit card accounts and XXXX auto repossession account originally associated with XXXX XXXX XXXX XXXX. These accounts were later purportedly acquired by XXXX XXXX XXXX XXXX, with whom I have no direct contractual relationship. I never entered into any written agreement with XXXX XXXX XXXX XXXX. The alleged obligation is based solely on a claimed assignment of debt. I submitted written requests for debt validation on two occasions to a law office in XXXX, Virginia. That office refused to provide adequate validation and instead stated that there was no obligation to comply with what they described as excessive verification demands. I later received a collection letter from a law office in XXXX, North Carolina demanding payment. I submitted a validation request to that office as well. I subsequently discovered that the North Carolina office had already filed a lawsuit in XX/XX/XXXX, prior to providing adequate validation of the alleged debt. After becoming aware of the lawsuit, I requested proof of a valid written agreement between myself and XXXX XXXX XXXX XXXX. No such agreement was provided. Instead, the law firm, Chaplin & Gonet, provided documentation consisting of statements from XXXX XXXX XXXX XXXX. These documents were redacted and generic in nature and did not establish any direct connection between myself and XXXX XXXX XXXX XXXX. The documents failed to : Demonstrate a contractual relationship with XXXX XXXX XXXX XXXX Provide a complete chain of assignment Identify my specific accounts within any alleged transfer Provide unredacted information necessary to verify ownership Additionally, the respondents rely on a generic Bill of Sale and Assignment that purports to transfer a pool of accounts. However, this document does not identify my specific accounts and does not include unredacted account-level schedules. The Bill of Sale also excludes prior payments before XX/XX/XXXX, raising concerns about the accuracy of the balance being claimed. Despite these deficiencies, collection efforts and litigation have continued. This conduct appears to involve attempts to collect a debt and pursue legal action without sufficient documentation, validation, or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Essential Lending Inc
State: GA

Complaint narrative:
I applied for a loan through wiseloan.com. Without my consent, wiseloan.com shared my information with XXXX who in turn distributed it to multiple fraudulent entities. As a result, my personal and financial information has been compromised.

Company response to consumer: Closed with explanation