vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: IL

Complaint narrative:
What an absolute train wreck!!! Why did rocket mortgage take over for XXXX XXXX when they obviously can not handle the amount of customers that XXXX XXXX had? I tried calling 4 times in a row today XX/XX/year> and was on the phone for over an hour ... XXXX time I got a hold of somebody and they tried to transfer me to somebody that's related to XXXX XXXX and that got me in a stupid loop with the automated system that did not recognize my phone number or my social security number. It would not let me through to whoever they're trying to transfer me to. XXXX time the system hung up on me. Third time I got a hold of somebody and she told me the wait was over an hour just to be transferred again to a XXXX XXXX agent. She then told me to call back near opening and closing time to be able to connect to somebody. Well, I tried to call about a half an hour before closing time and I was on hold for that whole half an hour without anyone answering. That's an hour today wasted. Their automated system is absolute garbage. I don't know how long I've been their customer now but why is my phone number and my social security number not registered with the people that are holding my mortgage??? They are totally not equipped to handle the inflow of clients by consuming a whole nother mortgage company. Why did they not gain more staff before the merge? And why have this XXXX automated system that just XXXX all of the clients off when we can't get a hold of a real person or figure out what's going on with our account? My initial reason for calling was to figure out why I have two insurance accounts set up when there's only one associated with State farm and what the goofy phone number is attached to those two insurances. Neither one of them go to XXXX XXXX when they go to some other insurance company. That sounds gimmicky when you make the phone call. .......... Who's ever in charge of customer service needs to look at this XXXX group that was created talking about all of the rocket mortgage issues. There is a humongous amount of people that are XXXX and some are talking about getting attorneys https XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tenaglia & Hunt, PA
State: GA

Complaint narrative:
Over the past several months, I have attempted multiple times to contact the law firm Tenaglia & Hunt, P.A., which is collecting on behalf of XXXX XXXX XXXXXXXX regarding a charged-off credit card account. My purpose has been to resolve this debt in good faith and discuss settlement options so the account can be satisfied. Despite several attempts to contact the law firm by phone, I have been unable to reach anyone or receive any meaningful response regarding payment or settlement of the account. Because my attempts to communicate by phone were unsuccessful, on XX/XX/year>XXXX I sent certified letters to both XXXX XXXX XXXXXXXX and Tenaglia & Hunt formally documenting my intent to resolve the debt and proposing a settlement. In those letters, I explained that due to prior financial hardship I am unable to pay the full balance but have secured limited funds and offered a lump-sum settlement payment of {$1800.00} to resolve the account. I requested written confirmation of the settlement terms before making any payment and asked for a response within 30 days so that the matter could be resolved. The letters were sent via certified mail and I have retained copies of the letters and the certified mail tracking numbers confirming delivery. Despite these efforts to resolve the matter in good faith, I have not been able to obtain communication from the collection firm regarding the account or my settlement offer. My goal is simply to resolve the debt and bring the account to a conclusion. However, the lack of communication from the collection firm has prevented me from doing so while the account continues to report negatively on my credit report. I am submitting this complaint because I am actively trying to resolve the debt and would like the creditor or its collection agent to respond to my attempts to settle the account.

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: Other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
XX/XX/year> XXXX Unauthorized transfer Denied dispute I want money too return too my bank account Phone hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Array US, Inc
State: CA

Complaint narrative:
Initially, they replied within a day. Now, it has been 9 days. Still no reply. From XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/year>, XXXX XXXX View security details I got XXXX XXXX XXXX XXXX {$56.00} PENDING XX/XX/year>, from my {$120.00} deposit, Will I get more deposit? Also, email me a detail of each items from my account, since I can't access my account without singing up for 3 days free trial.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used my Capital One credit card to make a payment of {$44.00} to an international service provider through the XXXX website. I used a credit card specifically for consumer protection in case I needed to dispute the transaction. The transaction was processed by Capital One as a cash advance. I was charged a {$5.00} cash advance fee and the transaction is accruing interest at approximately 28 % APR. At no point during the transaction process was I warned that I was initiating a cash advance request. Once I discovered the transaction had been treated as a cash advance, I attempted to immediately pay off the balance to stop the interest charges. However, Capital One is not allowing me to pay off the cash advance balance immediately. This practice is unfair to consumers because there was no clear disclosure that the transaction would be treated as a cash advance, and the bank is preventing me from immediately resolving the balance to avoid interest charges. I am requesting that Capital One remove the cash advance fee, stop the associated interest charges, and allow the transaction to be treated as a normal purchase or allow immediate payoff of the cash advance balance.

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 — Billing problem
Company: U.S. BANCORP
State: HI

Complaint narrative:
I am an employee of the Department of Homeland Security and have been affected by the recent government shutdown, resulting in a loss of pay. I have made multiple attempts to request a deferment from my creditor due to these circumstances. I also provided a letter from my employer confirming my employment status and the impact of the shutdown on my pay. Despite these efforts, my creditor has continued to report my account as delinquent to the major credit bureaus. I am seeking assistance from the Consumer Financial Protection Bureau, as my creditor has not provided the support or relief I requested during this period of financial hardship. This is for the loan on my RV. Thank you for your attention to this matter.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage company was recently transferred from XXXX XXXX to Rocket Mortgage following their XX/XX/XXXX merger. Rocket has performed an incorrect escrow analysis that projects a {$1500.00} insurance disbursement for XX/XX/XXXX. This expense was already paid by the previous servicer, XXXX XXXX Because Rocket is missing my " trailing funds '' and payment history from XXXX XXXX they are showing a false negative balance and an artificial shortage of {$370.00}, raising my monthly payment by {$49.00}. When I called to dispute this, the agent ( XXXX ) denied the merger existed and refused to open a Notice of Error ( NOE ). I am requesting a manual ledger reconciliation and that my payment be restored to {$750.00} while this error is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App randomly closed my account saying that I violated their terms and services and I was so confused. I went to sen in more than XXXX appeal and to inquire, but no information was given. I did at the time go through tremendously challenging financial struggles because Id had my direct deposit returned and went an extended amount of time without being able to meet basic needs

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

Complaint narrative:
Explanation : this account is not mine and was opened without my consent and must have been opened by and belongs to someone with a similar name. Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA sec 605, 609, and 623, 15U.S.C Sec 1681 ( A ) Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it, must be removed.

Company response to consumer: Closed with non-monetary relief
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$520.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$170.00} Date opened:XXXX XXXX ) XXXX XXXX XXXX Amount : {$16000.00} Date OpenedXXXX XXXX ) XXXX XXXX XXXXXXXX Amount : XXXX Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX. Date OpenedXXXX 6 ) XXXX XXXX XXXX Amount : {$580.00} Date OpenedXXXX 7 ) XXXX XXXX XXXX XXXX Amount : {$310.00} Date OpenedXXXX 8 ) XXXX XXXX XXXX XXXX Amount : {$300.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$520.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$170.00} Date opened:XXXX XXXX ) XXXX XXXX XXXX Amount : {$16000.00} Date OpenedXXXX XXXX ) XXXX XXXX XXXXXXXX Amount : XXXX Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX. Date OpenedXXXX 6 ) XXXX XXXX XXXX Amount : {$580.00} Date OpenedXXXX 7 ) XXXX XXXX XXXX XXXX Amount : {$310.00} Date OpenedXXXX 8 ) XXXX XXXX XXXX XXXX Amount : {$300.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
According to AES, I was informed that the loan owner was XXXX XXXX XXXX XXXX, as stated in a CFPB complaint response dated XX/XX/XXXX. However, when I called AES on XX/XX/XXXX, at approximately XXXXXXXX XXXX to request the name, address, and phone number of the loan owner, I was only provided the name XXXX XXXX XXXX ( which differs from the name stated in the letter ) and the phone number XXXX. I was instructed to call that number to obtain the address. On XX/XX/XXXX, I emailed AES again requesting confirmation of the loan owners name and address. I was then told to contact XXXX XXXX XXXX, identified as the loan Program XXXX for XXXX XXXX XXXX, at XXXX. Based on the information provided in AESs letter, I submitted a CFPB complaint to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they responded by providing a chain of title indicating that my loan had been sold to another entity on XX/XX/XXXX. Given these conflicting responses, it remains unclear who the current owner of my loan is. If XXXX is not the owner of my loan, then it is unclear who actually received or reviewed my school discharge application around XXXX XXXX. I was previously told that XXXX would review the application ; however, if they are not the loan owner, it raises serious concerns about whether my application was ever properly received, reviewed, or processed by the appropriate party. This is when I found out about the change of loan owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year> I visited XXXX XXXX in XXXX, XXXX for a promotional facial treatment. During this visit I was subjected to high-pressure sales tactics and financing agreement through Affirm was opened as part of transaction into purchasing a cosmetic package listed on the receipt as the Signature Package with a stated price of {$2300.00}. The receipt provided by the merchant contains several inconsistencies. The receipt shows : Signature Package {$2300.00} Products Total {$2400.00} However, the listed products appear with {$0.00} pricing, making the calculation unclear and inconsistent. The payment was recorded as : XXXX {$1000.00} Check undefined {$1300.00} In reality, the {$1300.00} portion corresponds to a financing agreement processed through Affirm, not personal check. The receipt therefore appears to misrepresent the financing portion of the transaction by labeling it as Check. This raises serious concerns regarding compliance with the Truth in Lending Act, which requires that consumers receive clear disclosure of credit terms before entering into a financing agreement. Additionally, a separate receipt confirms that my card was charged {$1000.00} total, including the sale amount and a tip. The documentation provided by the merchant does not clearly explain the relationship between the package price, the credit card charge, and the financing agreement. I was not provided with clear disclosure of the financing terms or adequate time to review the credit agreement before the financing was initiated. These circumstances raise concerns regarding unfair or deceptive acts and practices ( UDAAP ) under federal consumer protection standards. After reviewing the charges at home, I became extremely concerned about the transaction and took protective action by contacting my bank and closing my checking account to prevent further unauthorized charges. Also I to contacted the XXXX on XX/XX/year> to dispute the transaction and attempt to resolve the issue. The services associated with the package financed through this loan were never rendered. I disputed the charge with my credit card issuer, but the dispute was denied. I have now filed an appeal and am waiting for the banks response. Affirm also denied my initial dispute even through the services associated with the financed package were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an unresolved billing dispute involving my Bilt Rewards credit card account issued through XXXX XXXX. Despite multiple attempts to resolve this issue directly with Bilt Rewards Support, the problem remains unresolved and I have received no meaningful assistance. Account details : - Card : Bilt Rewards XXXX - Last four digits : XXXX - Transaction in dispute : Balance Transfer - Amount : {$500.00} USD - Transaction date : XX/XX/year> Description of the issue : On XX/XX/year>, a {$500.00} " Balance Transfer '' transaction appeared on my Bilt card account. I did not request or authorize any balance transfer. I never received these funds, nor did I initiate any transfer to another account. When I contacted Bilt support, they confirmed that the only transaction on my account is this {$500.00} balance transfer. However, they informed me that the transaction is marked as " completed '' and " not eligible for dispute, '' leaving me with a {$500.00} balance that they expect me to pay. This is unacceptable because the transaction was never authorized by me. To further complicate the issue, my XXXX XXXX credit card statement shows a {$500.00} credit balance in my favor, which directly contradicts Bilts claim that I owe this amount. I have attached the official XXXX XXXX statement as documentation. This strongly indicates that the {$500.00} transfer was either processed incorrectly within Bilts internal system or incorrectly recorded on my account. Timeline of events : XX/XX/year> {$500.00} balance transfer appears on my Bilt account. I contacted Bilt support to report the issue and request a dispute. Bilt support informed me the charge is " not eligible for dispute. '' XX/XX/year> I sent a formal email requesting investigation and correction. As of today, I have received no resolution and the {$500.00} balance remains on my account. Requested resolution : I respectfully request the following actions : 1. Immediate investigation of the unauthorized {$500.00} balance transfer. 2. Removal of the incorrect {$500.00} balance from my Bilt account. 3. Written confirmation that I am not responsible for this charge. 4. Assurance that this issue will not affect my credit history or be reported negatively. I have made good-faith efforts to resolve this matter directly with Bilt Rewards support, but the lack of response and refusal to allow a dispute has left me no choice but to escalate the issue. Attached documentation includes : XXXX XXXX statement showing the {$500.00} credit balance Screenshot of the transaction details Communication from Bilt support confirming the transaction and stating it is not eligible for dispute I respectfully request your assistance in reviewing this matter and helping ensure a fair resolution.

Company response to consumer: Closed with explanation