vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
at the me or my covid the forbearance they started charging me massive fees for lawn maint fees on a monthly basis, theyve never taken care of my lawn, attorney fees in the amounts of XXXX every XXXX months, this all started when the company bought my loan from another servicing company and lied to me about it saying they went out of business and all along they were the same company, they took over my loan after XXXX yrs and all the money i paid the balance never went down, now XXXX yrs later they have finally got me in a bad spot and are taking my home from me.

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 2026-03-18 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: Chime Financial Inc
State: PA

Complaint narrative:
I am submitting this complaint regarding unauthorized debit card transactions totaling {$3700.00} that were processed on my account ending in XXXX through Chime. On XX/XX/year>, I was targeted in a phishing scam that originated through a quote request message on XXXX, where I receive booking inquiries related to my XXXX XXXX The message falsely stated that my profile required verification and directed me to a link. The link led to a fraudulent website that appeared to be an account verification page. The page stated that the process was not a payment but a temporary verification step. During this process I was asked to enter a verification code sent to my phone. After entering the code, unauthorized debit card transactions were processed through XXXX for cryptocurrency purchases. The transactions were : XX/XX/year> {$990.00} XX/XX/year> {$990.00} XX/XX/year> {$990.00} XX/XX/year> {$800.00} Total : {$3700.00} I did not knowingly authorize any cryptocurrency purchase or payment to XXXX. I believed I was completing an account verification process due to the phishing scam. I reported the fraud to Chime immediately and requested a replacement debit card to prevent further unauthorized transactions. Despite providing evidence of the phishing scam and confirmation from XXXX that the message was submitted by a malicious user through their platform and that multiple chefs received the same scam message, Chime denied my dispute. I have filed reports with the following agencies : Federal Trade Commission ( FTC ) Report Number XXXX Internet Crime Complaint Center ( IC3 ) I am requesting that this matter be reviewed to determine whether the bank properly investigated the unauthorized transactions under the Electronic Fund Transfer Act and Regulation E. * The transactions referenced in this complaint were made using a debit card linked to my checking account, not a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: FL

Complaint narrative:
I am disputing a collection account being reported by Credit Bureau Association of Georgia in the amount of {$460.00}. I do not recognize this account and have not received any prior billing statements, invoices, or written communication from this company before it was reported as a collection on my credit file. The account appears to have been placed for collection without proper notice or validation. The tradeline is being reported with limited and incomplete information, including no clear description of the underlying obligation, no contract terms, and no documentation demonstrating that I am legally responsible for this debt. The account is also reported as open without sufficient detail to support that status. Reporting a collection account without providing proper validation or documentation is inaccurate and does not meet the Fair Credit Reporting Act requirement of maximum possible accuracy. I am requesting that this account be fully investigated and that the company delete the account from all consumer reporting agencies. I do not consider this matter resolved until the account is removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX XXXX American Express XXXX XXXX XXXX I am filing this complaint against American Express for failing to properly investigate and resolve a legitimate billing dispute involving XXXX Advertising charges. I enrolled in XXXX XXXX after being promised a {$900.00} promotional credit over a three-month period and assurances that the service would increase my business sales, particularly during the holiday season. Based on these representations, I agreed to move forward with the service. However, the service was never properly delivered. My account was not fully set up, no meaningful onboarding or follow-up support was provided, and no representative contacted me to ensure the campaign was functioning as promised. Instead of increasing, my business sales declined during this period. Due to the lack of service and results, I canceled the advertising within XXXX weeks. Despite this, XXXX continued to charge my American Express business card. I attempted to resolve the issue directly with XXXX but was unable to reach a resolution. I have also since learned that other businesses have experienced similar issues with XXXX advertising practices. As a result, I filed a billing dispute with American Express and provided detailed documentation, including proof of cancellation, lack of services rendered, and evidence of misleading promotional representations. American Express denied my dispute multiple times without providing a clear or sufficient explanation. It appears that my submitted evidence was not properly reviewed or considered. Additionally, I recently received a warning from American Express stating that continued filing of billing disputes could result in the closure of my account. This is deeply concerning. I have been an American Express customer since XXXX and pay over {$600.00} annually for a XXXX XXXX XXXX, which is marketed as offering strong purchase protection and customer support. Instead, I am being discouraged from exercising my rights to dispute unauthorized or improperly charged transactions. I believe American Express has failed in its obligation to conduct a reasonable investigation under applicable consumer protection laws and has unfairly penalized me for filing a legitimate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies on my Experian, TransUnion and Equifax credit file, specifically concerning the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reports a balance of {$15000.00} as open with a XXXX past due status and an XXXX designation for XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX a {$0.00} balance with a tied up closure notation, as both entries contain information that may be inaccurate, incomplete, and unverifiable, potentially harming my creditworthiness and financial reputation; under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy and XXXX providing the right to request a reinvestigation, I am requesting a thorough and meaningful reinvestigation of both accounts, including full verification of payment history, account status, dates of payments, posting and application of payments, timeline of account activity, and the criteria used to assign the XXXX delinquency and XXXX designation, with a clear explanation of the tied up status on the XXXX account, and I request that any information that can not be fully verified, confirmed, or accurately documented be corrected, specifically ensuring the removal of inaccurate late payment notations while keeping the accounts themselves intact, as it is my objective to maintain accurate reporting of my credit history without disputing valid accounts.

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 2026-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I have had many accounts opened, not on my behalf, in different states. I am a victim of identity theft. There are many issues thats unresolved that I cant name them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
In XX/XX/year>, I discovered an account reported by Diversified Adjustment that I did not open or authorize. I believe this is a result of identity theft. I reported this fraud to XXXX at the time and filed an Identity Theft Report with the FTC. I also placed a fraud alert on my credit report. I submitted a dispute with XXXX, and they verified the account as accurate without providing documentation. Diversified Adjustment has not provided proof that this account belongs to me, including the application or signature on file. I am requesting verification of the debt and removal from my credit report if it can not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My complaint is with regards to Freedom Mortgage. I am refinancing my home loan with XXXX, they directed me to pay my property taxes in order to proceed with the refinance. I did so, and notified Freedom Mortgage on XX/XX/XXXX that I had paid the property taxes due XX/XX/XXXX, and provided them with proof of payment to ensure the taxes were not paid twice. Freedom acknowledged in writing on XX/XX/XXXX and told me they would not disburse the property tax payment ( see attached ). Days before the refinance closed Freedom notified me of an update to my payoff quote because they had paid the > {$7000.00} tax payment. Upon calling they told me that an investigation would take up to XXXX days and a refund would take XXXX. I asked for them to advance the money back or pay interest due to their written statement that they would not disburse payment to the XXXX XXXX tax collector and did so anyway, they refused. This cost me money, time, and stress to handle.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I sent {$60.00} through Cash App to the wrong recipient. The individual refused to return the funds and blocked me immediately after I requested a refund. I reported this to Cash App, but they refused to assist or investigate the situation as fraud. I am requesting help recovering my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer from my Wisely/ADP account to a XXXX account. I made a clerical error by inputting the wrong account number. I contacted Wisely customer service and spoke with a supervisor to request an ACH Reversal due to incorrect recipient data, as permitted under NACHA rules. The bank refused to initiate the recovery process or investigate the error, failing to comply with my rights under Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to investigate reported errors in electronic fund transfers. I am requesting that Wisely contacts the receiving bank ( XXXX ) to recover the funds sent in error before they are withdrawn by an unintended recipient. Exact amount : {$1000.00} Report date : XX/XX/year> at XXXX XXXX Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: CO

Complaint narrative:
reviewed my credit report and found inaccurate and misleading information reported on this account. The account was opened on or around XX/XX/XXXX, with a highest balance of approximately {$240.00}, and is reported as closed on XX/XX/XXXX, with a {$0.00} balance. Despite the account being paid and closed, it is being reported as paid for less than full balance, which is negative and damaging. In addition, the payment history reflects late payments in XXXX, even though the account shows inconsistent and incomplete reporting, including sections marked as No information. I contacted the company and requested verification of the account, including full payment history and documentation supporting the negative reporting. However, the company did not provide sufficient evidence to justify the reporting. The information being reported is inaccurate, incomplete, and misleading, and it is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding ( Account XXXX ) failed to properly validate this debt. I sent a formal request via XXXX Mail on XX/XX/year>, but they only provided statements, not the original contract or proof of ownership. Additionally, they are misreporting the account on XXXX as a 'Factoring Company Account, ' which is a factual inaccuracy and a violation of the FCRA . Since they can not provide the contract and are reporting the wrong account type, this trade line must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Product : Checking account Issue : Problems accessing account, XXXX restriction, online banking, customer service misrepresentation, fraud alerts, inadequate resolution What happened : 1. I opened a Citibank account in person on XX/XX/year>. Shortly after, my XXXX access was restricted, and I could not access online banking. Calls to customer service were blocked by an automated message stating, This account cant be serviced right now. 2. Over the following weeks, I contacted my personal banker, XXXX XXXX, and branch staff including XXXX, the XXXX branch manager. Multiple customer service representatives provided conflicting information, including being told my account did not exist. Supervisors also disconnected calls without resolution. 3. I filed prior complaints with the CFPB and OCC. Citibanks Executive Response Unit responded by stating there were no blocks, no XXXX restrictions, and no online banking issues. These statements were inaccurate at the time, as the problems were ongoing. This constitutes a false representation to regulators. 4. As of Monday, XX/XX/year>, I was able to access customer service, and online banking is now functional. XXXX from the XXXX branch finally contacted me and explained she had been managing XXXX branches, which is why she had not circled back sooner. 5. However, on a recent call to the Citibank Fraud Department, I experienced further issues : a. XXXX from fraud told me he could not provide an exact reason for the account restrictions and that no department is available to provide a clear explanation. b. The call lasted over XXXX minutes, during which XXXX repeatedly had me enter security codes and attempted multiple transactions with my authorization. c. XXXX indicated management instructed him to have me repeat the same process multiple times. d. XXXX, a supervisor, suggested the issue might be related to my first transaction being smaller than the second, and referenced similar past activity but could not provide details. 6. I continue to lack a clear, exact explanation for the original XXXX restriction and subsequent fraud alerts. I am unable to manage transactions confidently, as there is no transparency about the causes or how to prevent future fraud alerts. Additional details : This complaint includes prior system-level failures, misrepresentation to regulators, prolonged call center inefficiencies, and repeated frustration with fraud processing protocols. I request that this matter be treated as * * urgent and escalated appropriately * * to technical, back-office, and fraud review teams, with a clear documented resolution 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I wrote to each collection agency about having XXXX for XXXX years and if they would please consider hardship discharge No response. The debts were close to being old enough to be removed. I did disputes on XXXX XXXX and now it bought collection dates to current. Now they will be on my report for a much longer time. It's not fair and should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have turned in the paperwork for my new agreement. I did my trial payments and I and I called them in XXXX to find out what my next step would be and they told me that they would get back to me. They did not get back to me till XXXX. They gave me a new mortgage agreement I signed it. The letter said it had to be to them till the XXXX did not give me any information about when this will take affect when my next payment would be made but now they sent me a letter talking about I am behind in my payments for XXXX and XXXX. The law has a process in place stating that they are supposed to notify me the start date of the payments in which they have not and they called me about a payment that they said they didn't receive in XXXX however I didn't get the new payment agreement until XXXX. There were no dates or anything giving me the steps of when this payment was supposed to take place but now they're sending me letters talking about. I'm behind XXXX and XXXX the letter they sent me only gave me a date that they needed to receive the agreement nothing further when I called on Monday, I said I don't even know if you received my agreement so how am I supposed to know when the payments are supposed to start? You didn't notify me and I was told they don't notify the customer when they receive the information and I should know when the payment that's made well how would I know that there is a new agreement in place? If you don't even tell me, you receive the paperwork and again the paperwork I was sent did not give me a start date. And i want my money bank from all the homeowners insurance i have paid when in XXXX you got to be he declaration page from XXXX XXXX approving that I have insurance however you had an escrow from me since XXXX and you know you owe me that money but you're using the excuse that my mortgage is behind. That's why you're not giving it to me when it is stated that it is unlawful for you to keep my money using my mortgage is behind when you wrongly a tax insurance to My mortgage account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
Car returns to seller, because this car very have to manys problems with engine ( which seller doesnt inform, XXXX months to use car start smoke engine and stop working. Car return to seller, and they charge money fraud. I victim of scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
All in XX/XX/year> I was charged trippel of some loans they kept on and on until I paid I had to close my account or they would have gotten more they kept on adding loans together I already paid!! And they took XXXX out of my account I have plenty of screenshots the balance on my account ain't even adding up to what they are saying!! I have more screenshots and proof just couldn't send it I had to close my account out or they would have kept taking more money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: AUTO CREDIT USA
State: GA

Complaint narrative:
I didn't purchase a auto Please remove this off my credit report

Company response to consumer: Closed with explanation