vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
RESPA Violation Report : Failure to Provide Required XXXXDay Transfer Disclosure XXXX. Overview : This report addresses a violation of the Real Estate Settlement Procedures Act ( RESPA ) by Rocket Mortgage. 

XXXX. Background : Original Servicer : XXXX XXXX Subsequent Servicer : XXXX XXXX Current Servicer : Rocket Mortgage XXXX. Issue Description : The mortgage was transferred from XXXX XXXX to XXXX XXXX, and subsequently from XXXX XXXX to Rocket Mortgage. At no point was the required XXXXday written notice of this transfer to Rocket Mortgage was provided to the borrower, either electronically or by mail. 

XXXX. Context : The borrower is currently involved in foreclosure litigation and has legal representation. The ongoing foreclosure is being contested due to various servicer improprieties, and the lack of proper transfer notification has further complicated the situation. 

XXXX. Impact : The failure to provide the necessary notice has caused confusion and additional challenges in the borrowers ability to navigate the foreclosure process. 

XXXX. Requested Action : It is requested that the CFPB conduct an investigation into this matter, hold the responsible parties accountable, and implement measures to prevent similar violations in the future. 

XXXX. Attorney Information : Attorney Name : XXXX XXXX, XXXX. 
Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Connecticut, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I was doing a loan on this company lendumo for a XXXX dollars and charge me XXXX percent I pay them a lot money. I pay them every week with XXXX dollars but like how many months I paid I cant pay them no more of so much interest they gave it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: TX

Complaint narrative:
I mailed 2 notices On XX/XX/year> : Formal Dispute of Inaccurate Credit Report Information Pursuant to FCRA 15 U.S.C 1681s-2 ( b ) pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite my lawful request, your office has failed to provide complete and proper validation of the alleged debt.

Specifically, you did not provide the following documentation required to verify and substantiate any lawful claim : XXXX. Proof that the name and personal identifying information attached to this account match my verified legal identity. 
XXXX. A copy of the original signed credit agreement or contract bearing my signature. 
XXXX. Documentation demonstrating your ownership or authority to collect or furnish information regarding this account, including any bill of sale, assignment, transfer, or merger documents. 
XXXX. An itemized statement showing how the alleged balance was calculated, including any fees, interest, or charges. 
XXXX. Identification of the original creditor, if different from your company. 
XXXX. The dates of account origination, charge-of On XX/XX/year> : Cease and Desist 15 U.S. Code 1692c Continued Noncompliance and Failure to Validate Alleged Debt ( 15 U.S.C. 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint regarding PayPals handling of an incorrect recurring subscription charge. I canceled a XXXX subscription on XX/XX/XXXX, the renewal date, before the next billing period began, yet PayPal processed a charge for a future service period. 
I disputed the charge as an incorrect recurring billing error, not as a request for a goodwill refund. Despite timely cancellation and no use of the renewed service, PayPal denied my dispute, appearing to rely solely on the merchants refusal to refund rather than PayPals own recurring billing protections. 
PayPals approach effectively shifts the financial burden to the consumer after paying the merchant, without providing a meaningful appeal or applying billing-error standards for recurring payments. I am requesting PayPal review this matter under incorrect recurring billing rules and reverse the charge. 
I am seeking resolution through proper application of consumer protections, transparency in PayPals dispute process, and correction of this billing error. 

Case details Case ID : XXXX Disputed amount : {$100.00} USD Seller info : XXXX XXXX XXXX XXXX Date reported : XX/XX/year> Invoice ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Incident Description On XX/XX/year> and XX/XX/year>, an unauthorized individual accessed my JPMorgan Chase account, either by calling the bank or using my online/app credentials. They reversed two prior legitimate payments totaling {$2000.00} and {$1500.00}, which credited those amounts back to my account. 
Immediately after these reversals, the funds were transferred to a XXXX XXXX account linked to my Chase account in amounts of {$2000.00} and {$1600.00}. On the same dates, my XXXX XXXX debit card was used for three fraudulent transactions : XXXX : {$2000.00} XXXX XXXX : {$810.00} XXXX XXXX : {$800.00} These transactions appear to be international purchases to unknown vendors, suggesting the funds were routed outside the United States. The total confirmed loss is {$3600.00}. 
XXXX of Events XX/XX/year> : Unauthorized reversal of {$2000.00} ; funds transferred to XXXX XXXX ; XXXX XXXX debit card used for international transactions. 
XX/XX/year> : Unauthorized reversal of {$1500.00} ; funds transferred to XXXX XXXX ; additional fraudulent transactions processed. 
How Information May Have Been Compromised My banking and credit card details were provided to my current attorneys office for billing purposes. The billing manager at that office is the only person with access to my current credit card information. They have stated that storing my card is required and have previously charged my card without prior approval. 
I am not certain that XXXX XXXX is the suspect, but she or the firm may be involved if my information was not properly secured. It is possible that the breach occurred internally or through inadequate data protection measures. 
Possible Suspect / Contact Information Name : XXXX XXXX Title : Billing Manager Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX This individual has exclusive access to my card details and authority to process charges without consent. I am providing this information because they are the only known party with direct access to my financial details.

Financial Impact JPMorgan Chase account compromised through unauthorized reversals. 
XXXX XXXX account linked to Chase used for transfers and withdrawals. 
Fraudulent transactions totaling {$3600.00} processed internationally. 
Additional Notes I have no direct identifying information about the perpetrator beyond the above. The transactions were processed through XXXX XXXX and appear to involve international vendors. I have reported the incident to JPMorgan Chase and XXXX XXXX and am filing this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with a receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my consumer report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Transaction Date : XX/XX/year> Merchant : XXXX Amount : {$710.00} Amex Offer : Spend $ XXXX, Get {$120.00} Back Disputed Amount : {$120.00} Statement Credit Prior to the transaction, I properly added the " XXXX : Spend $ XXXX, Get {$120.00} Back '' offer to my American Express card ending in 11005. 
Before making the purchase, I utilized the " View Store Locator '' link provided directly on the Amex Offer page to ensure the location I was visiting was a participating merchant. The specific store I visited was explicitly listed as an eligible location in the official American Express store locator for this promotion. 
On XX/XX/year>, I completed a purchase of {$710.00} at this verified location. 
Despite spending over the {$600.00} threshold at a verified location, the {$120.00} statement credit was never applied to my account. 
I contacted American Express customer service, and they denied the credit, stating that " outlet locations are excluded. '' However, I pointed out that this specific location was explicitly included in their own promotional locator tool. 

American Express engaged in deceptive advertising by providing a " Store Locator '' tool that explicitly listed this location as eligible. As a consumer, I relied on the information provided within the promotional interface to make a significant financial decision ( {$710.00} ). The presence of a general exclusion in the fine print does not negate the specific inclusion provided by the merchant locator tool, which serves as the primary guidance for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Nelnet, I am writing to formally dispute the inaccurate balance being reported on my student loan account listed on my credit report. The amount you are reporting as owed is incorrect and does not accurately reflect the true balance of this account. 

This inaccurate reporting is negatively affecting my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full and reasonable investigation into this matter and correct or delete the inaccurate balance being reported. 

Please update your records to reflect the accurate balance and provide written confirmation of the results of your investigation. If you are unable to verify the accuracy of the amount reported, the account must be corrected or removed in accordance with federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$270.00} to a property in XXXX, XXXX, booked through Booking.com. I later filed a dispute with Citibank for " services not as described '' because the apartment materially differed from the listing, including unsafe conditions, missing amenities, misrepresented photos, and incorrect address provided at the time of the stay. 

Before contacting Citibank, I attempted to resolve the issue through XXXX. Booking confirmed that the owner falsely cancelled the reservation after the fact but stated that they were unable to issue a refund because we paid the property directly. They acknowledged that the merchant was unresponsive, but refused to assist further. Booking later removed the property listing from their website. 

On XX/XX/XXXX, I filed the dispute with Citibank, and they immediately issued a conditional credit to my account. On XX/XX/XXXX, Citibank resolved the dispute, stating " The services or merchandise were provided, therefore, we're unable to support the billing dispute, '' effectively siding with the merchant. On XX/XX/XXXX, I called Citibank to request that the dispute be re-opened due to misclassification of the dispute category, since I was not contesting that the stay took place, but rather that the property materially differed from what was advertised on XXXX. On XX/XX/XXXX, Citibank denied my request to re-open the dispute, stating : " We have reviewed the information you provided regarding your dispute. Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. If you are unable to obtain this, you will need to seek other means to obtain credit. '' After receiving Citibank 's initial response, I requested confirmation that my supporting documents had been received and that the dispute be reconsidered. Citibank confirmed the receipt of the documents but still denied the dispute and refused to re-open it. Their statement that a " credit slip '' is required is incorrect and illogical, because no refund has ever been processed or issued by the merchant. The merchant has refused to cooperate at every step of the process, and therefore no credit exists that could generate a credit slip. I am requesting that Citibank properly review this dispute under the correct category and either reinstate the credit or provide a clear explanation of why a credit slip is required in a case where no refund has been issued.

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 2026-01-03 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized PayPal transaction in the amount of {$1400.00} that was processed on XX/XX/year>. I became aware of the transaction upon receiving an overdraft notification from my bank. I did not authorize this payment and do not know the recipient. 

The transaction was sent via PayPal to an individual I have never paid before. My historical PayPal usage is limited to third-party merchant checkouts ( e.g., online retailers ). I have no prior history of direct person-to-person or friends and family payments. 

I immediately contacted my bank and requested a stop payment, which was successful. Despite this, PayPal released the funds and now reflects the amount as a debt owed. 

I promptly reported the transaction to PayPal as unauthorized and filed a report with the FBIs Internet Crime Complaint Center ( IC3 ). PayPal denied my claim and subsequent appeal.

PayPals denial relies primarily on IP address consistency, stating that the IP address used for the transaction matched prior logins. This rationale is incomplete and does not establish authorization. If a mobile device is compromised, accessed without authorization, or used while unlocked, activity will originate from the same device and IP address. IP consistency alone does not rule out account takeover or unauthorized use of an existing authenticated session.

PayPal has failed to address or meaningfully consider several material risk indicators, including : The recipient was new and never previously paid The transaction type was inconsistent with my account history The transaction was immediately discovered and reported A stop payment was initiated through my bank A supervisor promised a more thorough back-office review, yet no written outcome was provided PayPal issued a final determination email before the escalation call concluded I repeatedly requested documentation of PayPals investigation, including the scope of the alleged back-office review and fraud checks performed beyond IP matching. PayPal has not provided this information and has continued to rely on a single technical factor while ignoring the broader context.

I am requesting regulatory assistance to ensure PayPal conducts and documents a procedurally sound investigation and corrects my account balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX reached out to dental property and the asked me to do a security check and XXXX XXXX the website said refundable. He then said I was approved and needed to XXXX him a security deposit of XXXX, my bank only allowed XXXX at that time. Also said that was refundable. Them said I was approved went by and there was a sign in the yard with a different number for. Property manager they said the guy I was talking to was a scam and ever since he said he cant return my money and stopped responding

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
See attached dispute timeline and supporting documentation

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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: CA

Complaint narrative:
I am disputing inaccurate and misleading credit reporting related to an account originally with World Finance Corporation that has been charged off and sold. The furnisher is reporting conflicting and inconsistent balances across the consumer reporting agencies, which demonstrates a failure to maintain accurate and complete information.

Specifically, the same account is reporting three different balances : XXXX  : {$750.00} XXXX  : {$0.00} XXXX  : {$1000.00} An account can not simultaneously have multiple balances. This inconsistency renders the tradeline inaccurate and misleading.

The account is reported as charged off, sold to another lender, and showing a {$0.00} balance on at least one bureau, yet continues to be reported as derogatory with varying balances on other bureaus. This indicates the furnisher can not substantiate a single accurate balance or reporting status.

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report information that is accurate, complete, and verifiable, and to correct or delete information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a claim with my bank disputing a charge from XXXX XXXX because my bank transaction showed I was charged twice. My original purchase amount was {$410.00}. I called capital one to ask them about it and the representative I spoke to told me she saw the XXXX charges and filed a dispute. I was given temporary credit in the same amount on XX/XX/XXXX. After charges were posted and after reviewing my claim it was denied because XXXX XXXX ended up only charging me once. This decision was made on XX/XX/XXXX where they took back the credit I was given. For some reason, capital one filed a second claim without my authorization on XX/XX/XXXX for the same charges. They gave me credit again that I didnt request and then denied that claim on XX/XX/XXXX. When they reversed the credit for the credit given to me on XX/XX/XXXX, it caused my account to go into overdraft. I got a direct deposit payment from my job a few days later and my entire paycheck went into the overdraft. Ive now lost my own money paying for something I didnt request. That second claim didnt need to be filed without my authorization and I certainly should not have received credit for it. I would like my money back that I paid for the overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C.1692g ).

I dispute the validity of this alleged debt and request full validation. Please provide the following : 1. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges 2. The name and address of the original creditor 3. Copies of any signed agreement, contract, or application showing I am legally obligated to pay this debt 4. Proof that your company is licensed and authorized to collect in my state 5. Documentation showing you own the debt or have legal authority to collect it 6. The date of last payment and the date the debt became delinquent Until this information is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency.

If you have already reported this debt to a credit bureau without providing proper validation, you are in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please note that I am requesting verification, not acknowledgment of responsibility for this debt. 



Sincerely,

Company response to consumer: Closed with non-monetary relief