vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: CA

Complaint narrative:
Current Mortgage loan is in my parents name whom passed away in XXXX at that time a quick claim deed was done in to my other parents name in the same year XXXX in XXXX a trust was done leaving the home to me as off XX/XX/XXXX my other parent passed away and the trust was completed and house located at XXXX XXXX XXXX XXXX XXXX is now in my Name XXXX XXXX I called Rocket Mortgage because my attorney advised me that I was double paying the taxes since XXXX I was unaware at the time that the taxes were coming out with my loan payment that we have been paying since XXXX I have sent Rocket Mortgage all supporting documents and the refuse to acknowledge or speak with me regarding the account shorty after I told them both were deceased they sent out the equity check in my parents name that I can not cash although the payments were made on my card I am not getting anywhere with this company and need resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD 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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank is furnishing inaccurate information on two PayPal Credit accounts ( SYNCB/PPC and SYNCB/PPMC ) to the credit bureaus. The tradelines continue to report a balance and past-due amounts and reflect charge-off reporting. Since the credit reporting disputes were filed, I have received written collection notices from third-party debt collectors for BOTH accounts stating they are attempting to collect these Synchrony/PayPal debts ( one for approximately {$1500.00} and one for approximately {$7700.00} ). These notices conflict with Synchronys ongoing furnishing of the accounts as if Synchrony remains the creditor reporting an active balance/past-due. I previously disputed these items with the credit bureaus and the items were marked verified/updated, yet the core inaccuracy remains unresolved. The issue is not whether the accounts belong to me ; the issue is that the balances/ownership/status being furnished are inconsistent with third-party collection activity and appear inaccurate and/or not reasonably verifiable. I am requesting CFPB assistance to require Synchrony Bank to provide a written explanation and documentation supporting current ownership/authority to collect and the accuracy of the balances and status being furnished, and to correct the reporting across all credit bureaus.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am filing this complaint for Wrongful Repossession and Unauthorized Withholding of Property. On or about XX/XX/XXXX Kia Finance America repossessed my vehicle ( XXXX : XXXX ) and moved it to XXXX XXXX. However, the State of XXXX XXXXXXXX of XXXX ( XXXX ) records show that the lien on this vehicle was Released. I have the original, clear Certificate of Title in my hand. Under XXXX law ( 625 ILCS 5/3-114 ), a lender must have a perfected security interest to repossess and a 'Repossession Title ' to sell a vehicle. Kia can not obtain a Repo Title because the XXXX XXXX system shows the lien is released. Despite being notified of this title discrepancy and provided with the Title Number ( XXXX ) and Control Number ( XXXX ) of the clear title issued on XX/XX/XXXX, Kia Finance agents have refused to verify the state 's public record and continue to hold the vehicle at auction. This constitutes conversion under Illinois law. I am demanding the immediate release of my property and a waiver of all fees associated with this administrative error. '' Desired Resolution : Immediate electronic release order sent to XXXX XXXX for VIN XXXX with a zero-balance for storage and repossession fees. I also require a formal letter from Kia acknowledging the title status so that I may retrieve my property without further interference. ''

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 2026-03-03 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: WA

Complaint narrative:
Your Information Name : XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX Email : XXXX ( XXXX ), XXXX ( XXXX ) Phone : XXXX Company Name : Rocket Mortgage Address : [ CFPB portal will fill automatically ] Phone ( if known ) : XXXX Issue Type Mortgage / Loan servicing problem Incorrect Form XXXX / Tax reporting error Refusal to escalate/ inadequate complaint handling Narrative / Description of Complaint To Whom It May Concern, We are submitting a complaint regarding Rocket Mortgages handling of our mortgage loan ( Loan No : XXXX ). For the 2025 tax year, Rocket Mortgage issued an incorrect Form XXXX reflecting inaccurate mortgage interest information. We relied in good faith on this document when filing our federal tax return. Rocket Mortgage subsequently issued a corrected Form XXXX that materially changed the reported mortgage interest. As a direct result, we were required to file an amended federal tax return XXXX incurred a professional amendment fee of {$200.00}. On XX/XX/year>2025 at XXXXXXXX XXXX a representative from Rocket Mortgage called us from XXXX regarding this matter and refused to provide the contact information of a supervisor or allow us to escalate the issue internally, stating she was the only supervisor authorized to handle this case. Under federal law and CFPB guidance : XXXX. Borrowers have the right to escalate complaints within a financial institution. XXXX. Mortgage servicers are required to have internal procedures to review and resolve complaints promptly and fairly. XXXX. Refusal to allow escalation may constitute an unfair, deceptive, or abusive act or practice ( XXXX ). We are therefore requesting : XXXX. Reimbursement of {$200.00} for the tax amendment fee caused by Rocket Mortgages reporting error. XXXX. Written confirmation of the internal escalation process, including the contact information of a person authorized to review complaints beyond the immediate representative. We prefer to resolve this matter directly, but we are prepared to escalate further with federal or state regulatory agencies if necessary. Desired Resolution Reimbursement of {$200.00} for tax amendment fee Written confirmation of Rocket Mortgages internal escalation process Assurance that future reporting and escalation procedures will be handled properly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated government impersonation scam. The caller spoofed a local XXXX number and claimed to be affiliated with federal law enforcement. They informed me that I had missed a grand jury summons dated XX/XX/XXXX involving allegations connected to a police officer and XXXX XXXX The caller initially told me I was not in trouble, but then stated there was a warrant and that I would be arrested immediately if I did not comply. I was told there was a gag order and that if I hung up the phone, contacted anyone, or disclosed the situation, I would be arrested and face additional charges. They further threatened up to 90 days in XXXX. They sent fabricated federal court documents, including a fraudulent arrest warrant and bond paperwork using official court formatting and seals. I was told I had two options : resolve the matter civilly by paying fees immediately, or face criminal arrest. The fraudulent documents were sent via SMS from XXXX ( XXXX ) XXXX, a number designed to appear local to XXXX, Texas. Under threat of arrest, coercion, and misrepresentation, I sent {$2500.00} via XXXX XXXX. This was not a purchase of goods or services. It was an Authorized Push Payment induced by fraud, impersonation of law enforcement, fabricated documents, spoofed caller ID, and duress. I reported the fraud immediately to XXXX and to USAA. USAA initially provided a provisional credit but has informed me they intend to reverse the credit on XX/XX/year>. I am requesting that USAA properly evaluate this transaction as fraud-induced under coercion and government impersonation, rather than treating it as a voluntary authorized purchase. The transaction was made under material misrepresentation and threat. I am a veteran and long-standing customer, and I acted in good faith under extreme psychological pressure created by criminal impersonation.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My Bank of America account has been locked for 3 days due to a suspicious {$29.00} transaction. I have been a customer since 2000. I am a XXXX-US resident living in XXXX. I spent over an hour on the phone with the XXXX department, but they were unable to verify my identity using " public record '' questions ( which do not exist for me as I have never lived or worked in the US ). The bank is now demanding I visit a branch in person to unlock my account. As I reside in XXXX, this is a physical and financial impossibility. The bank is effectively denying me access to my funds by refusing to offer an alternative verification method suitable for international residents.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hi there, I'm writing to follow up with Reference ID XXXX. I received a notice letter under the above reference number stating that my credit card account was closed. Please provide a reason for the involuntary closure of my credit card account. I would like to dispute the closure and, if possible, request reinstatement of my account. Best, 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 2026-03-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: PR

Complaint narrative:
My card was lost. Then hours later my account got empty. I have {$0.00} in my account. They took {$3500.00} they didnt provided any provisional credit. I have a trip next week and I have NOTHING in my account. They dont want to tell me anything about my dispute and I need my money back! Name : XXXX XXXX XXXX case : XXXX Amount : {$3500.00} Last XXXX digits of card : # XXXX Wisely by ADP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On or before XX/XX/XXXX ( prior to posting ), I discovered suspicious activity related to two impending debit card transactions to XXXX ( XXXX ) on my joint SoFi Checking and Savings account ( ending XXXX ). I immediately attempted to report and dispute them as unauthorized in the SoFi app, but the system would not allow a formal dispute until the charges posted ( per SoFi 's policy : disputes only for posted, non-pending transactions ). The charges posted as two unauthorized transactions totaling {$460.00} ( {$210.00} and {$250.00} ) on XX/XX/XXXX. Neither I ( XXXX XXXX ) nor joint holder XXXX XXXX authorized them, created a XXXX account, or benefited from themthis was debit card fraud via compromised details. I formally disputed on XX/XX/XXXX ( timely upon posting and well within Reg E 60-day statement window ). SoFi denied ( XX/XX/XXXX letter attached ), citing : alerts sent but not reported immediately ( we attempted to report pre-posting but were blocked by app limitations ) ; frequent logins ( normal activity, not tied to charges ) ; card in possession/no other fraud ( fraud via stolen details possible without physical theft or additional charges ). I appealed with new evidence : XXXX XXXX report # XXXX ( XX/XX/XXXX, attached ) and sworn affidavit confirming no authorization ( attached ). SoFi reopened briefly ( XX/XX/XXXX email attached ) but denied again XX/XX/XXXX ( attached ), with vague " no error '' after merchant/network reviewno detailed evidence provided despite my request under Reg E 1005.11. XXXX XXXX advised " new paperwork '' but offered no specifics. Issues : SoFi 's app prevented pre-posting dispute, yet they penalized me for not reporting " during reported activity '' ( contradicts Reg E timely notice on discovery ). No provisional credit during re-investigation ( required if >10 business days under 1005.11 ( c ) ). Inadequate explanation/investigation ignoring my evidence of unauthorized EFT ( 1005.3 ( b ), 1005.6 zero liability for timely reported debit fraud under Mastercard rules ). I seek full refund of {$460.00}, reversal of denial, and account review. Attachments include all SoFi emails/letters, police report, affidavit, transaction screenshots, and dispute history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a store credit card account with Synchrony Bank ( XXXX ) that does not belong to me and is currently the subject of a court case ( # XXXX ) in which I am being named or pursued. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the creditors handling of this matter, including their failure to properly verify the account and their continued attempts to collect on a debt that is not mine. The account in question was opened without my knowledge, authorization, or consent. I have never applied for, used, or benefited from this store credit card. Despite notifying the creditor of this issue, they have continued to pursue legal action and collection efforts against me. I respectfully request that the CFPB : - Investigate the creditors handling of this account and their failure to validate the debt. - Require the creditor to provide proof of identity, application records, signatures, or any documentation linking me to the account. - Ensure the creditor ceases all collection and legal actions until the investigation is complete. - Require correction or removal of any negative credit reporting related to this fraudulent account. I am attaching copies of relevant documents, including court papers, dispute letters, and any responses received from the creditor. Thank you for your attention to this matter. I request written confirmation of receipt of this complaint and updates as the investigation proceeds. I will upload my ID and bill with my information

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this formal complaint against U.S. Bank regarding excessive and cascading overdraft fees totaling {$180.00} that were assessed against my checking account ending in XXXX. My account briefly fell into a negative balance after several small transactions were authorized and posted, including the following : on XX/XX/year>, a XXXX Installment charge of {$100.00}, a XXXX charge of {$31.00}, and a XXXX Installment charge of {$36.00} ; and on XX/XX/year>, two additional XXXX transactions in the amounts of {$17.00} and {$21.00}. Rather than declining these transactions once the account balance was insufficient, U.S. Bank chose to authorize and post them. As a result, the bank assessed five separate {$36.00} Overdraft Fees. On XX/XX/year>, three overdraft fees of {$36.00} each were charged, totaling {$100.00} for that single day. On XX/XX/year>, two additional overdraft fees of {$36.00} each were charged, totaling {$72.00}. In total, U.S. Bank assessed {$180.00} in overdraft fees over a short processing window. These fees significantly compounded the negative balance, ultimately driving the account to {$400.00}. The banks decision to authorize multiple small transactions against a known insufficient balance and then assess a separate {$36.00} fee for each item is disproportionate to any actual risk or processing cost. The structure of these charges reflects a cascading fee practice that multiplies penalties from a single liquidity event rather than mitigating risk. I contacted U.S. Bank customer service in good faith and requested a courtesy waiver or partial refund of these five overdraft fees. My request was refused, and no accommodation was offered. I believe this fee structure is excessive and unfair, particularly given the rapid sequence in which the charges were assessed and the disproportionate relationship between the underlying transactions and the resulting penalties. I respectfully request that U.S. Bank reverse the five overdraft fees totaling {$180.00} and restore my account accordingly.

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