vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Experian failed to properly process my dispute regarding inaccurate information on my credit report, despite my direct request as required under the Fair Credit Reporting Act ( FCRA ). On [ insert date ], I submitted a dispute to Experian regarding inaccurate information appearing on my credit file. Instead of conducting the required reinvestigation, Experian sent me a notice stating that my request does not appear to have been sent directly by you or authorized by you, and therefore they took no action. This is incorrect. I personally submitted the dispute, and Experians refusal to investigate violates my rights under FCRA 611 ( 15 U.S.C. 1681i ). The disputed information is : Creditor/Account Name : XXXX XXXX XXXX XXXX ( last XXXX digits ) : Reason for Dispute : account reported incorrectly / account was paid in full. And Identity theft Experians refusal to reinvestigate has caused ongoing harm, including inaccurate reporting, lowered credit scores, and difficulty obtaining credit.

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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My credit report shows XXXX severe delinquency statuses on my federal student loan accounts serviced by Aidvantage between XX/XX/year> and XX/XX/year>. The payment history jumps from current status directly to a XXXX delinquency in XX/XX/year>2025 and then progresses to XXXX, XXXX, and 180 days late. This appears inconsistent because intermediate XXXX and XXXX delinquency statuses are not reflected before the account is reported as 90 days late. My loans are now fully current and in good standing. I am requesting that Aidvantage investigate the accuracy of the reported delinquency history and correct or remove any information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
3rd party trying to collect on charged off debt - multiple calls multiple times a day from different # s. Add to block list they call from a different # Also receiving communication via mail multiple notices - cease communication-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: LA

Complaint narrative:
I am disputing a debt being reported and collected by Midland Credit Management. I do not recognize this account and have not been provided proper validation of the debt. I previously disputed the account with the credit bureau, but the company verified the account without providing documentation proving the debt belongs to me. Under the Fair Debt Collection Practices Act, I am requesting proper validation of the alleged debt including the original creditor, the signed agreement, the complete payment history, and proof that Midland Credit Management has the legal right to collect this account. If the debt can not be validated, the account should be removed from my credit report and collection activity should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
This is a formal follow-up to closed complaint # XXXX. Robinhood is currently obstructing access to {$100000.00} in settled cash. On XXXX2026, despite my prior notification that my old linked bank was closed, Robinhood attempted to send {$50000.00} to that inactive account. To resolve this, I linked a new XXXX XXXX account and provided a verified statement as requested. Immediately upon this verification, Robinhood deactivated my account, blocking all manual withdrawal paths. XXXX " XXXX '' ( XXXX ID XXXX ) has stated Robinhood will no longer communicate with me directly, only through " regulatory inquiries. '' I have now initiated a Full ACATS Cash Transfer via XXXX XXXX ( Ref : XXXX ). Under FINRA Rule 11870, Robinhood must validate this transfer within one business day. I am filing this to ensure they do not reject this transfer or further withhold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Complaint Against Credit Acceptance Corporation I am submitting this complaint regarding an auto loan issued by Credit Acceptance Corporation. The loan was taken out around 2017 for a used vehicle, with an original loan amount of approximately {$16000.00}. Over the course of the loan, I made significant payments toward the balance. However, due to various additional charges, fees, and repossession-related costs that were added over time, the total amount I was told I still owed appeared to be nearly the same as the original price of the vehicle. After years of payments and paying substantial amounts toward the account, I ultimately lost possession of the vehicle during the COVID-era period. Given the amount that had already been paid toward this loan, I believe the balance and fees added to the account may have been excessive or improperly calculated. I am requesting that Credit Acceptance Corporation provide a full accounting of this loan, including the original contract, complete payment history, interest charges, repossession-related fees, and the basis for the balance they claimed was owed. Resolution requested : I would like a full investigation of this account, documentation of the original loan terms, and correction or refund of any inaccurate or excessive charges associated with this loan.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Phone and wallet were stolen ; charges were made on my SoFi Banking Debit Card for a total of about {$2900.00}. I provided proof of a new phone purchase as well as a police report proving this happened. I made a claim through them and they denied it because the phone was used during the transactions. I explained carefully the phone was not in my possession, hence providing the police report and new phone purchase receipt, they said they would look into my claim again. When they re-opened the claim, not even 45 minutes later, they denied it saying they re-investigated and still found proof the charges were authorized. When i asked how that was possible and provided even more new proof, they closed my bank account and 2 days later said they denied the claim again. When i finally asked for proof of how they came to their conclusion and receipts from their investigation, they gave me a link and it contained a document that just had the charges and a paragraph summary of the ORIGINAL claim denial reasons. It was clear they never did any follow up investigation, nor they cared about processing my claim. They took the coward 's way out of closing my account to not deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Pulte Mortgage LLC regarding deceptive trade practices and material misrepresentation during the origination of my mortgage loan. During the sales process, Pulte Mortgage provided me with a 'Monthly Payment Calculation ' worksheeta document critical to my decision-making and 'Ability to Repay ' determination. This document explicitly listed the 'Special assessment ' for the property as {$0.00}. At the time this document was generated, Pulte was fully aware that the property was located within the XXXX XXXX XXXX XXXX and Improvement District No. XXXX ( XXXX XXXX ). This is confirmed by the fact that the District was referenced multiple times in the closing contract. Despite this knowledge, Pulte Mortgage chose to represent the assessment as {$0.00} on my financial estimate rather than disclosing the districts actual tax impact. This omission was not an 'estimate ' error ; it was a material misrepresentation of the propertys cost of ownership. By listing the assessment as {$0.00}, Pulte artificially lowered my debt-to-income ratio to qualify me for the loan, inducing me to enter a transaction that I would not have agreed to had the full tax burden been transparently disclosed. My estimated tax burden provided by Pulte was $ XXXX ( totaling approx. $ XXXX ). My actual annual tax bill is {$9500.00}, however, the omission of the XXXX XXXX special assessment in the financial worksheet misled me regarding the total monthly obligations. This practice is a direct violation of the Truth in Lending Act ( TILA ) and constitutes a deceptive practice under the Texas Deceptive Trade Practices Act ( DTPA ). Despite formal requests to Pulte Mortgages XXXX Department to address this misrepresentation and the resulting financial impact, I have received no response. I am seeking an equitable settlement to offset the undisclosed tax burden that was misrepresented at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint due to failure to properly validate an alleged debt while continuing to report and/or attempt collection. I timely requested full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. Specifically, I requested competent evidence that I am legally obligated to pay this debt, including a copy of the original signed agreement and complete accounting of the amount claimed. To date, the company has failed to provide sufficient documentation establishing legal obligation. Despite this failure, they continue to report this account to the credit bureaus and/or pursue collection activity. Reporting an unverified debt and continuing collection efforts without proper validation is inaccurate, misleading, and inconsistent with federal consumer protection laws. I am requesting immediate deletion of this account from all credit reporting agencies and cessation of all collection activity unless and until proper validation is provided.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Rocket Mortgage charged me twice for a {$25.00} instant delivery fee for an official payoff statement, even though I only authorized the charge once. Rocket Mortgages online process requires a user to ( 1 ) check a consent checkbox and ( 2 ) click the Request an official payoff statement button in order to incur the {$25.00} instant digital delivery fee. On XX/XX/XXXX, I intentionally requested an official payoff statement. I checked the required consent box and clicked the Request an official payoff statement button. I understand and accept the {$25.00} charge for that date. On XX/XX/XXXX, I only generated a payoff estimate. I did not check the consent checkbox and did not click the Request an official payoff statement button. I did not request an official payoff statement and did not provide authorization or informed consent for the {$25.00} instant delivery fee on that date. Despite this, Rocket Mortgage charged me an additional {$25.00} for XX/XX/XXXX. I contacted Rocket Mortgage customer service through their website chat and explained that I did not authorize the XX/XX/XXXX charge. Customer service acknowledged the situation but stated that there is nothing they can do and refused to remove the charge. I am requesting a refund of the unauthorized {$25.00} fee that was charged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Use this in the diapute ifnu havent * * 15 U.S.C. 1681i * * : This section outlines your right to dispute inaccurate information and the obligations of credit reporting agencies regarding investigations. - * * 15 U.S.C. 1681e * * : This section discusses the responsibilities of credit reporting agencies to ensure maximum possible accuracy in their reports. Major Student Loan Servicer Nelnet To Pay {$1.00} Million For Alleged Failure To Sufficiently Communicate With Borrowers About Maintaining Access To Affordable Payments Settlement Resolves AG 's Investigation of Loan Servicer for Sending Faulty Notices to Borrowers Enrolled in Income-Driven Repayment Plans Data Breach Impacting Over 2.5 Million Borrowers In 2022, Nelnet experienced a significant data breach that exposed the personal information of more than 2.5 million student loan borrowers. The compromised data included names, contact information, and Social Security numbers. Affected individuals have reported instances of identity theft, fraudulent tax filings, and unauthorized credit applications following the breach. Reply 2. Miscalculation of Income-Driven Repayment ( IDR ) Plans A class action lawsuit alleges that Nelnet systematically miscalculated monthly payments for borrowers enrolled in IDR plans, leading to inflated payment amounts. Miscalculation of Income-Driven Repayment ( IDR ) Plans A class action lawsuit alleges that Nelnet systematically miscalculated monthly payments for borrowers enrolled in IDR plans, leading to inflated payment amounts. These miscalculations have reportedly resulted in financial hardship for borrowers and negative impacts on their credit scores due to incorrect reporting to credit bureaus. 3. Misrepresentation of Loan Status Another lawsuit claims that Nelnet misled borrowers into believing their loans were federally backed and thus eligible for relief under the CARES Act, when in fact they were not. This alleged misrepresentation may have led borrowers to miss out on payment deferments and other relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-03-10 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: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: WI

Complaint narrative:
I received a phone call around XX/XX/XXXX from a debt collector named XXXX XXXX who was collecting a debt for XXXX XXXX XXXX XXXX for a date of service of XX/XX/XXXX. This is the very first time I was contacted from either XXXX XXXXXXXX XXXX XXXXXXXX or XXXX XXXX in regarding to this outstanding bill of {$410.00}. The health insurance in which they billed was not up to date, but I did not receive any bill regarding this outstanding balance until 3.5 years later around XX/XX/XXXX. I had health insurance on this date of service, and the hospital where the radiology took place at, also had this correct health insurance information and they received prompt payment from my health insurance for this bill. Had I received information from this provider regarding this outstanding amount, they would have been provided with my health insurance information. Now it has been 3.5 years later and they can not submit it to my health insurance at the time. I should not be responsible for this bill given I did not know anything about it until 3.5 years after the date of service, giving me no option to provide them with correct health insurance information, which would have paid for the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute multiple unauthorized transactions that appear on my Capital One account from XXXX XXXX. I did not authorize, participate in, or benefit from these transactions. These charges were not made by me, and I believe my card information may have been used without my permission. I am requesting that Capital One investigate these transactions and remove them from my account. I have already been issued a new debit card. I need to create a new account after dispute is finalized the more this gets sit on the more not safe I feel using this account 15 U.S.C. 1693g

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: MI

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 explanation
Consumer complaint received 2026-03-10 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: Chime Financial Inc
State: UT

Complaint narrative:
XX/XX/year> : Placed an order online for {$310.00} from merchant XXXX XXXX XXXX XX/XX/year> : I receive an email from XXXX, allegedly claiming Storm Fern is causing a delay in orders. XX/XX/year> : I reach out to XXXX, stating that Storm Fern has subsided by then, and they still have yet to provide shipping confirmation and a tracking number. XX/XX/year> : XXXX sends new email stating that product that was purchased was a listing error, offers to send different product with same dollar value, or give a refund. XX/XX/year> : I reply stating that I would like a refund. XX/XX/year> : XXXX says order has been cancelled and refund will be in 2-3 days. XX/XX/XXXX : I reach out, stating its been 11 days and still no refund. I tell XXXX I will resolve this with my bank. Now for my side with the bank, XX/XX/year> : I dispute this charge with my bank. Provide screenshots of the conversation between XXXX showing that the order was cancelled and refund was promised. XX/XX/year> : Bank states no error has occurred in their investigation and I won't receive a chargeback. XX/XX/year> : I reach out to bank via call, asking for a reason why their investigation failed. Bank won't give me answers. Tells me I have to wait 10 days for an email from the investigators explaining why. In the meantime, I re-open the dispute. XX/XX/year> : Investigation is closed almost immediately, stating the same thing, " no error has occured ''. XX/XX/year> : I call Chime again. This time, the customer service even agrees with me stating, I have more than sufficient evidence for the investigative team, and that he will re-open the case once again. XX/XX/year> : Chime emails me, stating " no error has occured '', and that I won't get my money back. XX/XX/year> : 10 days since asking for a copy of the documents used in determining final outcome of investigation. Chime never sends them. This report is now being reported well past 10 days, and I still haven't received them.

Company response to consumer: Closed with explanation