vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a formal complaint regarding the handling of my credit card account by Capital One. On or about XX/XX/year>, I was informed that my account had been closed by Capital One as a business decision. While I respect the companys right to make such decisions, I have serious concerns regarding the financial impact and lack of fair treatment associated with this closure. On XX/XX/year>, I was charged an annual membership fee of {$390.00} for this account. At the time the fee was charged, there was no indication that my account would be closed shortly thereafter. Additionally, I received no prior communication or warning before the closure. Given that my account was only active for approximately two months following the annual fee charge, I was unable to utilize the benefits associated with the remaining ten months of the membership period. Based on this, I am requesting a prorated refund of the unused portion of the annual fee, which equates to approximately {$320.00}. It is my position that retaining the full annual fee while simultaneously terminating my ability to use the account constitutes an unfair and inequitable business practice. If Capital One has determined that I am no longer eligible to be their customer, it is unreasonable for them to retain payment for services that I will no longer be able to access. I contacted a Capital One representative, XXXX ( Employee ID : XXXX ), in an effort to resolve this matter. Unfortunately, I was informed that no refund would be issued, even though the account closure was initiated by the company. I respectfully request that this matter be reviewed and that a fair resolution be provided, specifically the issuance of a prorated refund for the unused portion of my annual membership fee. Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
I had checked my cash app account on Sunday XX/XX/XXXX, and saw there was a fraudulent activity and charges, I then reached out to cash app and told them I was never notified about these transactions and some how they had a different email on my account and a debit card I do not own was on my account that I was not aware of. Cash app later email me saying that they did not find suspicious activity even though there is multiple attempts of someone trying to move {$4000.00} from my account and send it to themselves or different account that I did not authorize they even logged into a different device that I do not own only 1 transaction was successful and I disputed that transaction but got a email saying " We determined that the payment was authorized by you or someone with permission to use your account based on the following : The transaction was initiated by a device in your possession. This transaction was authorized using a Security Lock feature. '' I then filed a appeal and requested the documents and information of why they came to that conclusion as well and they said it could take up to 45 days to get an update so far i have already waited about a week and I still havent gotten my money back. I have multiple screen shots of the transactions and they even some how got into my actual bank account on XXXX XXXX and were able to move the money from my savings to checking then to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Rocket Mortgage without my knowledge. I did not receive proper notification of the servicing transfer. As a result, I missed my XXXX payment because I was unaware that Rocket Mortgage was now the servicer. Despite this being a servicing transfer situation, Rocket Mortgage reported a late payment to the credit bureaus and also performed a hard credit inquiry on my report without my authorization or a clear permissible purpose. Under federal servicing transfer protections, borrowers should not be penalized during the transfer period, especially when proper notice was not received. Rocket said they sent a welcome letter but they have the wrong email address AND I would not open something up from them anyway because I would look at it as spam since I don't have an affiliation with them. I am requesting : Removal of the late payment from all credit bureaus Removal of the unauthorized hard inquiry Written confirmation that my account is in good standing I would also like clarification on why a hard inquiry was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Reliant Capital Solutions, LLC
State: MD

Complaint narrative:
There is a student loan from XXXX that was taken out around XXXX under my previous name. Due to repeated instances of fraud associated with my birth name, I legally changed my name between XXXX and XXXX. I acknowledge that I attended classes at XXXX University ; however, I am being informed that I owe an additional balance for courses that I do not recognize or recall taking. As a result of this issue, I began school again in XXXX but am currently unable to apply for financial aid due to the default status on this account. I have notified them that I intend to formally report this matter so the default can be removed from my record while the investigation is ongoing, allowing me to proceed with applying for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Accounts were closed without notice and without a request for proof from why I had disputed the charges that my account closure resulted from. I have the documented proof. But instead my accounts were closed without any notice or request for proof as to why the disputes were valid and any rewards or miles earned I was told I lost.

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 2026-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am disputing and requesting validation of an account listed as JPMCB CARD XXXX XXXX XXXX XXXX XXXX, as I have concerns regarding its accuracy and whether it has been properly verified. I have reviewed my records and can not locate sufficient documentation that confirms my obligation for this debt. I have not received a signed agreement, detailed account statements, or a complete transactional history that would allow me to verify the legitimacy of this account. Without this information, it is difficult to determine whether this account is being reported accurately or if errors have occurred. Given the inconsistencies and lack of documentation, I am also concerned that this account may be the result of inaccurate reporting, identity confusion, or a data breach, where my personal information may have been used without authorization. Under 15 U.S.C. 1692g ( b ), I am requesting proper validation of this debt. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to investigate disputed information, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint regarding what I believe to be inaccurate and potentially abusive credit reporting by a company known as Self XXXX XXXX. I am an American citizen currently residing outside of the United States. Upon reviewing my credit report through XXXX, I discovered a negative entry from Self XXXX XXXX indicating that I had received a loan in the amount of {$530.00}. I want to make it absolutely clear that I have never applied for, authorized, or received any loan or funds from this company. To my understanding, Self XXXX XXXX does not operate as a traditional lender. Instead, it offers a credit-building service where customers voluntarily make payments to build credit history. I have never enrolled in or used this service, nor have I received any benefit from it. Despite this, the company has reported a delinquent account in my name, which has negatively impacted my credit profile. This entry is inaccurate and damaging. I did not receive any funds, did not agree to any loan terms, and did not enter into any contractual relationship with this company. What is especially concerning is that this situation creates what appears to be a coercive dynamic : a negative account is placed on a consumers credit report for a debt they never incurred, and the only apparent way to prevent further damage is to make payments on something that is not legitimately owed. This resembles a form of racket-like behavior, similar to situations where payment is demanded under the threat of harmin this case, harm to ones credit standing. I am concerned that this may not be an isolated incident and could reflect a broader pattern affecting other consumers. I respectfully request that your office investigate this matter, require the immediate removal of this inaccurate account from my credit report, and take appropriate action if any improper practices are identified. Please let me know if any additional documentation or information is required from my side. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
I am the current homeowner of a property with a solar system financed through Sunlight Financial. The loan is in my ex-husbands name, but I have been the sole individual making payments since our divorce. For approximately XXXX years, I have attempted to obtain full access to the account and the ability to manage the system tied to the loan. During this time, the borrower has contacted the company multiple times to authorize access on my behalf. Despite these efforts, I have only been granted minimal access sufficient to make payments, but not meaningful control, documentation, or authority over the system. I have repeatedly requested full account access, loan documentation, and information regarding servicing of the solar system. These requests have not been adequately fulfilled. The situation has been further complicated by the bankruptcy of XXXX, the original provider. Since that time, there has been no clear or consistent servicing pathway. I have been directed to third parties such as SunStrong Management, but I still do not have reliable access to maintenance, system support, or documentation. I am unable to obtain service or repairs because I am not the named contract holder, and there is no clear entity responsible for servicing the system. At the same time, the borrower listed on the loan has no ownership interest in the property. As a result, I have been making payments on a system that I can not access, can not service, and can not fully verify. This has created an ongoing issue where the loan obligation, the property ownership, and the underlying system are misaligned. This issue has persisted despite repeated attempts to resolve it directly with the company.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am so sick of this company. XXXX XXXX XXXX is on my TransUnion report and they wont take it off even tho I proved theyre wrong. I checked my TransUnion report in XX/XX/year> because I got denied for an apartment. Thats when I saw them. On TransUnion they call themselves " XXXX XXXX '' for {$2800.00}. On XXXX theyre " XXXX XXXX XXXX XXXX' for the same {$2800.00} plus another {$2500.00} account. On XXXX theyre XXXX XXXX XXXX XXXX XXXX for {$2500.00}. Same company. XXXX different names across XXXX bureaus. How is that accurate reporting? I never got a letter from them. Never a phone call. Nothing. First time I heard of them was when my landlord said my credit was trash. On my TransUnion report it literally says " Dispute resolved ; customer disagrees. '' If its resolved why is it still there? Resolved means delete. They didnt delete anything. They just marked it as resolved and left it sitting there killing my score. I sent them a certified mail dispute on XX/XX/year>. I have the receipt. They signed for it. That was over XXXX months ago. They never answered. Never sent me proof. Never validated anything. But TransUnion is still showing them. I also checked if theyre allowed to collect in XXXX XXXX XXXX Theyre not. I went to the XXXX website and searched. No license. Thats illegal. Theres a court case XXXX XXXX XXXX that says collecting without a license is an unfair practice.

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit card was a secure account with XXXX XXXX. The amount paid was never deducted, therefore, making the amount incorrect. I have filed disputes with the credit agencies. They only send back that the account has been verified and that they are unable to remove from my credit profile. In addition, I am getting letters and text from XXXX different agencies collecting for the same card, XXXX XXXX which is what shows on the 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company : Wells Fargo Bank , N.A . Product : Checking Account Account Number : XXXX ( Closed XX/XX/XXXX ) Description of Problem I am filing this complaint due to a series of Unfair and Deceptive Acts ( UDAAP ) regarding account accessibility, bait-and-switch fee structures, and the banks failure to honor documented verbal agreements made by their representatives. 1. Improper Fee Assessment & Terms Alteration ( Bait-and-Switch ) : At account opening, I agreed to a fee-waiver threshold of a {$500.00} average monthly balance, which I maintained. In XXXX XXXX, the bank unilaterally increased this requirement to {$1500.00} and began assessing monthly service fees in XX/XX/XXXX. These fees were assessed while the account was " dormant '' and technically inaccessible via online banking or ATM, preventing me from monitoring or mitigating these charges. 2. Failure to Honor Binding Verbal Agreements : On XX/XX/XXXX, I contacted Wells Fargo to close the account due to these fees. To retain my business, the representative made the following binding offers : To reinstate the account and link it to my online profile. To refund all previously assessed fees. To provide a 30-day fee-waiver grace period to allow time for a {$1000.00} deposit to meet the new {$1500.00} threshold. Based on these assurances, I chose not to close the account and instead deposited {$1500.00} to meet the new requirements. 3. Breach of Agreement and Records Failure : Despite my compliance, Wells Fargo charged an additional {$15.00} fee on XX/XX/XXXX. When I called to dispute this on XX/XX/XXXX ( Ref # XXXX ), the representative claimed no record of the XX/XX/XXXX conversation existed, despite confirming that " changes '' were made to the account on that exact date. This indicates either a failure in required record-keeping or a deceptive practice to avoid honoring fee-reversal commitments.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my XXXX account, which has been unexpectedly restricted or suspended. I respectfully request your assistance in reviewing this matter and helping restore my account. I have not knowingly violated any of XXXX policies or terms of service. My account has always been used for legitimate personal transactions, and I have made every effort to comply with all applicable rules. However, I have not received a clear explanation for the restriction, nor guidance on how to resolve the issue. This situation has caused significant inconvenience, as I rely on my account for everyday financial transactions. I have attempted to contact XXXX customer support, but the responses have either been unclear or insufficient in addressing my concerns. I kindly ask that this matter be investigated and that XXXX provide a detailed explanation for the restriction, along with a fair opportunity to restore my account. Thank you for your time and assistance in resolving this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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

Complaint narrative:
Complaint against Synchrony Bank Defective product financing and improper dispute handling I am submitting this complaint regarding a financed water filtration system purchased in XXXX through Synchrony Bank on behalf of my XXXX mother. This system has proven to be defective and improperly installed, causing ongoing water leaks. The leaks are severe enough that we must shut off the main water supply to prevent further damage, leaving the home without water service. Attached photographic evidence clearly shows active water leakage and water accumulation around the system. An independent technician indicated that the system was installed using PVC piping when it should have been installed using copper, suggesting improper installation that contributes to the recurring failure. Despite multiple repair attempts, the issue continues. Each service visit results in additional charges ( approximately {$85.00} plus parts ), creating a continuous financial burden for a system that does not function properly. Synchrony Bank denied my dispute claiming that I refused service from the vendor. This is inaccurate and misleading. I did not refuse service arbitrarily. I declined to continue paying repeated service fees because prior service visits failed to resolve the issue. The vendor has not corrected the underlying installation problem and continues to offer only temporary, paid repairs. Under these circumstances, it is unreasonable to expect continued payment for ineffective repairs on a defective and improperly installed system. I formally disputed this account with Synchrony Bank on XX/XX/XXXX, and the dispute was denied without properly considering the defective condition, installation issues, and supporting evidence.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I previously filed a complaint with the CFPB regarding this account ( Complaint ID : XXXX ). In their official response dated XX/XX/XXXX, Midland Credit Management stated that my account had been marked Direct Mail Only on XX/XX/XXXX and that they would continue not to call me. Despite this written statement to the CFPB, I received a telephone call from Midland Credit Management on XX/XX/XXXX at XXXX XXXX from XXXX. This call occurred after my written request to cease telephone communication was delivered via certified mail on XX/XX/XXXX and after the company confirmed to the CFPB that such restriction was in place. I have attached a screenshot of my call log showing the date, time, and phone number of this call.

Company response to consumer: Closed with explanation