vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
On XX/XX/year>, multiple unauthorized XXXX transactions were made on my checking account with total amount of {$3300.00} and {$260.00} from XXXX. I reported this to Bank of America and they accepted it as fraud and opened a claim. However, on XX/XX/year>, they closed the case stating the disputed charges did not post to my account. Both amounts were actually deducted from my account. I am requesting a full refund of {$3600.00} as these were unauthorized fraudulent transactions that I did not authorize. ''

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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Re : Formal Dispute and Demand for Deletion Under the Fair Credit Reporting Act To Whom It May Concern, I have reviewed your response regarding the alleged account ending in XXXX and respectfully dispute your conclusions. While you state that Portfolio Recovery Associates , LLC purchased the account from XXXX XXXX and possesses business records supporting the debt, your response does not establish that the information being furnished to the consumer reporting agencies is complete, accurate, or legally verifiable as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). A debt buyers internal records and a bill of sale alone do not constitute competent evidence that every item of information being reported is accurate. I specifically dispute the following : 1. The complete chain of title establishing your ownership of this specific account. 2. The accuracy of the balance being reported. 3. The date of first delinquency. 4. The completeness and accuracy of all information furnished to the consumer reporting agencies. 5. Your ability to produce original account-level documentation demonstrating my contractual obligation and the amount claimed. Pursuant to 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), any information that can not be verified through a reasonable investigation must be deleted or corrected. Additionally, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I continue to dispute the alleged debt and request that you provide competent evidence supporting your claim rather than relying solely on electronic account records or summaries provided by the original creditor. If you can not provide complete and accurate documentation verifying every element of the account and your legal authority to report it, I request that you immediately instruct all consumer reporting agencies to permanently delete this tradeline. Any continued reporting of inaccurate, incomplete, or unverified information may constitute a violation of the Fair Credit Reporting Act and may subject your company to liability under 15 U.S.C. 1681n and 1681o. I expect a written response confirming deletion or providing the requested documentation within the time allowed by applicable law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
During 2025 I had a payment withdrawn by my bank by mistake and they corrected the error but Capital One moved forward and tagged my account for any payments over a certain amount to have a 7 day hold placed upon the account even though they had received the money into their account. This just happened again when I made a payment of XXXX on my account. They placed a five day hold on the credit becoming available even though they received the money into their account. They have instituted some type of algorithm to target my account over a certain amount and will not tell me why. I consistently ask why and they consistently refuse to answer or escalate above a supervisor. All calls were recorded with Capital One and they stated the calls were stored for the life of the account in question. Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: MD

Complaint narrative:
CFPB Rebuttal & Account Deletion Demand Date : XX/XX/XXXX CFPB Case Number : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Sloan Servicing ( Account Nos. Ending in XXXX and XXXX ) TO : Consumer Financial Protection Bureau and Sloan Servicing Subject : FINAL REBUTTAL Demand for Deletion of Transferred/Unverifiable Tradelines I am writing to formally reject the response provided by Sloan Servicing XXXX XX/XX/XXXX, regarding case number XXXX. Sloan Servicing admits in their response that these XXXX alleged student loan accounts defaulted and were permanently transferred away from their company to a guarantor ( Ascendium ) on XX/XX/XXXX. Because Sloan Servicing no longer owns, services, or holds any legal right to collect or manage these debts, they can not independently guarantee the real-time accuracy, balance integrity, or compliance of these accounts under the Fair Credit Reporting Act ( FCRA ). Furthermore, while Sloan Servicing provided a historical copy of a Master Promissory Note from XXXX, they have failed to provide a complete, unbroken, and unredacted payment ledger showing how the alleged past-due balances and specific historical delinquencies were calculated up to the exact date of transfer. Under Section 623 of the FCRA, a furnisher is strictly prohibited from reporting information that it knowsor has reasonable cause to believeis inaccurate or incomplete. Because Sloan Servicing closed out these accounts and transferred them more than two years ago, their internal systems are reporting historical data that they no longer actively manage, audit, or control. Maintaining internal database entries from an account that has been completely offloaded does not meet the legal standard of a " reasonable investigation '' when a consumer explicitly disputes historical accuracy. Therefore, I am demanding the immediate, permanent deletion and removal of both Sloan Servicing tradelines ( ending in XXXX and XXXX ) from my XXXX, XXXX, XXXX, and XXXX XXXX profiles. If Sloan Servicing can not provide an itemized financial audit trail alongside their historical paperwork, they must cease reporting this damaging, stale information immediately. I look forward to the CFPB enforcing the immediate removal of these toxic tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I booked my hotel stay through Chase XXXX and completed the stay as scheduled. After checkout, I required an itemized receipt for business reimbursement. I contacted Chase XXXX on more than XXXX occasions and also sent secure messages through my Chase account requesting the itemized folio. Despite these repeated attempts, I have received no response and no receipt. I contacted XXXX directly several times, and they informed me that because the reservation was made through Chase XXXX, only Chase XXXX can provide the itemized receipt. As a result, Chase Travels lack of response nearly caused me to miss my reimbursement deadline for a business trip. I am requesting that Chase promptly provide the itemized receipt for my completed hotel stay and review the lack of customer support and failure to respond to repeated customer requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of the XXXX XXXX XXXX XXXX ( the XXXX XXXX ) my information is being used freely, to open accounts I don't identify. XXXX of the accounts opened is Capital One in which I did not open and I want this matter settled immediately Institution : Capital One, date opened : XX/XX/year>, Balance : XXXX, Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: AR

Complaint narrative:
I was behind on my loan and they repossessed it. I signed an agreement to put XXXX past due payments at end of loan and pay XXXX payment. I paid XXXX payments and was then told I had to pay another {$360.00} to get car back and daily interest of over {$3.00} would be charged. They also had charged me {$50.00} for the towing of vehicle. When I picked the vehicle up I was charged another {$170.00} to get it. At this point Ive paid {$2000.00} for the {$1900.00} loan and according to their records the balance today is {$2500.00} with daily interest charges added every day. I will end up paying approximately {$5500.00} - {$6000.00} for a loan of {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX to CrossCountry Mortgage. Due to an administrative delay and error during this servicing transfer, CrossCountry Mortgage failed to pay my homeowner 's insurance premium ( XXXX ) from my escrow account by the due date of XX/XX/year>. They made the payment on XX/XX/year>, which was a day late. Because the mortgage company missed the deadline, XXXX rejected the late payment and cancelled the policy. My insurance agent attempted to overnight the payment to resolve the issue, but XXXX refused to reinstate the policy due to the lapse caused by the lender. Consequently, an insurance coverage lapse occurred until I manually bound a new homeowner 's insurance policy with XXXX XXXX. Now, CrossCountry Mortgage has issued a notice attempting to charge me {$320.00} for lender-placed insurance for the period of XX/XX/year> to XX/XX/year>. This coverage lapse was entirely caused by the mortgage company 's failure to manage and pay from my escrow account on time, which is a direct violation of RESPA escrow management regulations. I contacted CrossCountry Mortgage 's customer service via phone to dispute this, but they refused to take responsibility and denied my request to waive the {$320.00} charge. I am requesting that CrossCountry Mortgage immediately cancel and waive this {$320.00} lender-placed insurance fee from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I called the customer service number to ask questions about mortgage options, but the specific reason for my call was not an option on the computer system. After repeatedly going through a loop back and forth with the computer system I asked to speak to a customer service representative. The computer system basically said that isn't an option and ended the call. My complaint is the difficulty of the phone answering system and inability to speak to a person. aka get help with what I'm seeking when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
So we are in a bad spot. We have a high mortgage payment so to remedy this we engaged Rocket Mortgage to refinance. We checked with our current lender ( XXXX XXXX ) to see if they could match the Rocket Mortgage offer of a XXXX ARM and they would not. We notified XXXX XXXX that we were going to refinance and asked them to waive any late fees ( which they did ). At the same time we requested a payoff amount to XXXX XXXX several times during the process. The initial terms of the Rocket Mortgage XXXX refinance was zero cash down. We always provided all W2, bank statements, and pay stubs in a timely fashion. About 2 weeks into the process Rocket Mortgage demanded XXXX cash to close and also demanded that we demonstrate we had XXXX cash in our bank account. In order to satisfy this condition we held back on making our mortgage payment knowing we had a couple weeks before we would be 30 days late. Our current loan is FHA and the new XXXX ARM was to be FHA which we now know requires zero 30 day late history. We were were able to demonstrate that we had the XXXX in our account midway through the process however Rocket Mortgage kept delaying funding until our current XXXX XXXX account was 30 days late. Our current lender reported late to 3 credit agencies and Rocket Mortgage disqualified us for a refinance. Do we have a case against either mortgage company? XXXX XXXX will not retract the 30 day late report even though we are now current on our mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Federal First Lending LLC
State: WA

Complaint narrative:
In early 2026, I was working with Federal First Lending to secure a mortgage. I submitted all requested documentation by XX/XX/year> as requested by my assigned loan officer ( XXXX XXXX ). At that time, the loan officer confirmed verbally and in writing that my interest rate had been locked and that the loan was in its final stages pending approval. I have written confirmation of this via email, SMS, and chat logs. Following that confirmation, I received zero proactive communication from Federal First Lending for approximately 23 months. During this period, I repeatedly attempted to reach the company via email, phone calls, and SMS. My outreach went unanswered there was consistent radio silence despite my repeated follow-ups. When I escalated and presented written evidence of the confirmed rate lock, I was finally contacted by a second loan officer ( XXXX XXXX and the company 's COO. In that conversation, they admitted that the original loan officer had failed to actually lock the rate. Despite this being entirely their error, they declined to honor the originally confirmed rate. Instead of making me whole, they offered alternatives that would require me to pay additional costs out of pocket including buying down the rate with points or accepting a significantly higher rate ( approximately 5.8 % or above ) compared to what had been confirmed and locked. Since that admission, Federal First Lending has continued to delay the process by requesting additional documentation without providing a clear path to closing. I have been unable to reach anyone by phone to resolve this. The company 's failure to lock the rate as confirmed, combined with months of non-communication and subsequent stonewalling, has caused significant financial harm and hardship. I have documentary evidence including emails, SMS messages, and chat logs that confirm : ( 1 ) the rate lock was communicated as complete, ( 2 ) my repeated outreach was ignored, and ( 3 ) the company 's own representatives admitted the error. I am requesting that the CFPB investigate this matter and compel Federal First Lending to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX Regarding Account : Navient / Private Signature Student Loans To Whom It May Concern, I am writing in response to the recent CFPB complaint determination regarding two private student loans originally held by Sallie Mae/Navient XXXX which have allegedly been placed with your agency for collection. Please be advised that this debt defaulted on XX/XX/year>. As such, it is well past the 7-year federal limitation for credit reporting under the FCRA. If your agency is currently reportingor intends to reportthis account to XXXX XXXX or XXXX, you are willfully violating the FCRA by reporting obsolete data. I demand that any such trade lines be deleted immediately. Furthermore, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you cease all telephone communication with me regarding this matter. All future correspondence must be sent in writing via XXXX. I am currently reviewing my options regarding the age of this debt and am only prepared to communicate in writing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Against : Capital One and XXXX XXXX XXXX XXXX XXXX COMPLAINT NARRATIVE ( copy and paste into CFPB form ) : I am a victim of identity theft. A Capital One credit account was opened fraudulently in my name without my knowledge, consent, or authorization. I never applied for, received, or used this account. The account has been charged off and Capital One has referred it to a debt collection law firm, XXXX XXXX XXXX XXXX XXXX, which is now attempting to collect a debt I do not owe. I have taken the following steps to address this fraud : 1. Filed an FTC Identity Theft Report at XXXX ; 2. Submitted disputes with XXXX XXXX, and XXXX under FCRA Section 605B ; 3. Sent a formal Debt Validation Letter to XXXX XXXX XXXX XXXX XXXX ; 4. Filed an Extended 7-Year Fraud Alert with XXXX. Despite these efforts, the fraudulent account continues to appear on my credit report and collection activity continues. I am requesting that the CFPB investigate this matter, require Capital One to immediately close and remove this fraudulent account from all credit bureau reports, and require XXXX XXXX XXXX XXXX XXXX to cease all collection activity. This fraudulent account is severely damaging my credit score and financial reputation. I am seeking immediate corrective action from both Capital One and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
CFPB Rebuttal & Account Deletion Demand Date : XX/XX/XXXX CFPB Case Number : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX / U.S. Department of Education ( Account ending in XXXX ) TO : Consumer Financial Protection Bureau and XXXX / U.S. Department of Education XXXX XXXX XXXX REBUTTAL Demand for Immediate Deletion of Admitted Inaccurate & Transferred Tradelines I am writing to formally reject the response provided by XXXX regarding case number XXXX. XXXX own correspondence explicitly concedes that their credit reporting practices violated the Fair Credit Reporting Act ( FCRA ) mandate for maximum possible accuracy. Specifically, XXXX admits : " As a result of our investigation, we updated the data furnished between XX/XX/XXXX and XX/XX/XXXX to reflect your loans were in good standing at that time. '' This is a direct admission that XXXX furnished completely false, damaging, and unverified data ( reporting 180 days past due when the account was actually in good standing ) to the nationwide credit bureaus. A furnisher that operates on such flawed internal records can not legally claim the rest of its historical data is inherently reliable. Furthermore, XXXX admits that these loans defaulted and were permanently transferred out of their system to the XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX explicitly states, " We're no longer able to provide assistance or information about your defaulted student loan ( s ) since it's no longer on our system. '' Under Section 623 of the FCRA, a furnisher can not continue to destroy a consumer 's credit profile using data from an account they no longer manage, audit, host, or control. Because XXXX has completely offloaded this file and can no longer perform a real-time, comprehensive investigation against live ledger data, they have zero legal basis to maintain this tradeline. Providing a redacted Master Promissory Note from XXXX does not substitute for real-time transactional accounting or validate historical payment metrics on a dead, transferred file. Therefore, I am demanding the immediate and permanent deletion of the entire XXXXDepartment of Ed tradeline ( Account ending in XXXX ) from my XXXX XXXX XXXX, and XXXX credit reports. If XXXX can not maintain accurate records while active, and can not access the live data now that it is gone, the only lawful remedy under the FCRA is total deletion. I expect immediate confirmation that the removal request has been transmitted to the credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Theres multiple inaccurate accounts reporting to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
I need to access my crypto.com account so that I can see my earning and my investments. I have tried numerous amounts of times and even directly with them and nothing seems to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> Citi financial credit card lowered my credit limit and by doing so they took my available credit which I had been paying down, to get the same amount that they lowered my credit limit to. I lost almost {$500.00} of my monies I paid, only to have them give me the credit limit that I had paid my balance to. Therefor they hurt my credit score by lowering my limit and also taking the monies available to where I have almost maxed out the credit card.

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