vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
There are two separate but related complaints 1 ) Robinhood advertised during the application flow that they would pull a " soft credit '' report. This was clearly stated as SOFT. However, without my consent and without clear advertising they converted the soft credit pull to a HARD credit pull. This is entirely deceptive and designed to fraudulently induce customers to sign up. They point to their " terms and conditions '' which state they " may '' run a credit report but it doesn't state it would be a hard credit report and when do combined with the clear statement prior that it would be a soft credit report, it deceives the applicant. 2 ) Robinhood closed the card without my consent and then stated that they would correct the reporting with the credit bureau. They lied about why they closed my card. First they tried to claim it was because I did not complete the selfie ID verification and then when I provided evidence that I had done so, they changed their answer and just said " they would no longer support me as a customer ''. I have it all documented in writing. It is indisputable that they lied to me about why they closed my card. Then, In writing they stated they submitted the request to the bureau and I simply needed to wait for the bureau to process it. I contacted all 3 bureaus and they said the correction was NOT submitted by Robinhood. I then contacted Robinhood who admitted that they actually had not submitted the request and then said they would submit as or XX/XX/XXXX. The credit bureaus all still state they have not received anything from Robinhood. I then contacted Robinhood multiple times asking for documentation to substantiate their claim that it was submitted as they admitted to lying the first time and now the second time the bureaus still have not received anything. There is a clear pattern of Robinhood lying about what they have done and then when they are caught lying they intentionally and deliberately ignore the customer an fail to respond. This has resulted in inaccurate information on my credit report an financial and emotional harm to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
This is from a cable dispute over cable equipment that a contractor picked up or for the bill itself either of which occurred well befor XXXX and they keep re-reporting or re aging

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
I am an XXXX XXXXXXXX with 22 years of service. My XXXXbacked mortgage was serviced by Planet Home Lending. My family fell behind after years of military moves and financial strain, but I believe the foreclosure process was mishandled. Foreclosure-related mail was sent to an old address where my family and I did not live, and we did not receive notice of the sheriff sale/auction. This home was supposed to be my retirement home. Louisiana is my home of record. I was born and raised there, and after serving for over XXXX decades, this was the place I hoped to return to when my service ended. Now my family is facing fear, instability, and uncertainty about where we will stand financially after retirement. Before the sale, I asked Planet in writing for the address history, notice records, proof of service, sale details, and deficiency information. Planet has not provided clear written answers. I need to know if a XXXX claim was filed, if XXXX paid anything, and whether Planet is claiming any balance after the sale. I am not asking for the house back. I am asking for transparency, fair review, and protection from improper collection or further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: PA

Complaint narrative:
this opened over 5 years ago they keep reopening it as if its a new acct on and its not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: AZ

Complaint narrative:
I contacted Chime regarding a denied dispute for unauthorized transactions on my account. During my first call, I requested to speak with a supervisor and was told I would be transferred, but the call was disconnected during the transfer. On my second attempt, I reached a representative named XXXX in the escalation department, who also disconnected the call while I was seeking assistance with my dispute. I called again and spoke with XXXX in the disputes department, who informed me that I would receive the findings of the investigation within up to 10 business days ( Call Ticket # XXXX ). In addition, I attempted to resolve this issue through the in-app support system, but the AI chatbot repeatedly denied my requests and did not provide an option to connect with a live agent or submit a formal written statement. Despite multiple attempts through phone and chat, I have experienced repeated call disconnections and barriers to reaching a human representative or properly escalating my case. This has prevented me from effectively submitting my statement and addressing the denial of my fraud claim regarding unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As of today, I am demanding that you immediately cease and desist all forms of communication with me, whether by phone, mail, email, or through any third party. The FDCPA is very clear once a consumer notifies a debt collector in writing to stop communication, you are legally obligated to comply. Any further attempts to contact me directly, aside from those permitted by law ( such as a single notice of intent to pursue legal action ), will constitute a direct and willful violation of the FDCPA. Please also take notice that any attempt to continue reporting this account to the credit bureaus without providing complete validation of the alleged debt is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting inaccurate or unverified information damages my credit profile and exposes your company to liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Midland Credit Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute this debt and request that you immediately stop all telephone calls, text messages, emails, letters, or any other form of contact with me, except as permitted by law to notify me of specific legal action being taken or that collection efforts are being terminated. Additionally : Do not contact my employer, family members, friends, or any third parties regarding this matter. Do not report or continue reporting inaccurate information to any credit reporting agency. If you believe this debt is valid, provide full written verification of the debt, including : The name of the original creditor The amount allegedly owed A complete payment history Proof that your agency is authorized to collect this debt Any further communication outside the scope permitted under federal law may constitute a violation of the FDCPA and other applicable consumer protection laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Debt that is being asked to pay is not a debt that belongs to me or validated by me. I do not and have not had a membership with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Rocket Mortgage, LLCs servicing of my FHA mortgage loan for my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan No. XXXX ). On XX/XX/year>, I sent Rocket Mortgage a Qualified Written Request ( QWR ) and Request for Information under RESPA and Regulation X, via certified mail. My request asked for : Written verification that Rocket Mortgage is the authorized servicer The effective date and documentation of the servicing transfer Identification of the current owner/investor of the loan under TILA 1641 ( f ) A complete accounting of the loan, including escrow, fees, and corporate advances Documentation showing Rockets legal authority to act on behalf of the loan owner Rocket did not provide the required information. Instead, while my QWR was still pending and unresolved, Rocket referred my loan to foreclosure on or around XX/XX/year>. This appears to be dual tracking, which is prohibited under Regulation X because a servicer may not proceed with foreclosure activity while a borrower has an outstanding QWR or dispute. On XX/XX/year>, XXXX sent a letter denying any unethical practices and claiming they detected no dual tracking. However, they still did not provide : Servicing transfer documentation Identification of the loan owner Any servicing agreement or authority to act A complete accounting of fees, escrow, and corporate advances Public records show an Assignment of Mortgage to XXXX XXXX XXXX, not Rocket Mortgage. Rocket claims to possess the original wetink note, but possession is not ownership. They have not provided any documentation showing they are legally authorized to enforce this loan or foreclose on behalf of the actual owner. I believe Rocket Mortgage has : Violated Regulation X by engaging in dual tracking Failed to properly respond to my QWR under RESPA and 12 C.F.R. 1024.36 Failed to identify the current owner of my loan as required by TILA 1641 ( f ) Failed to provide documentation proving their servicing authority Potentially assessed improper or unexplained fees, advances, and escrow charges I am requesting CFPB assistance to ensure Rocket Mortgage complies with federal law and provides the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Midland Credit Management XXXX XXXX De La XXXX XXXX, CA XXXX RE : Account Number : XXXX To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please provide proper validation of this alleged debt, including : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemization of fees and interest 3. Documentation showing I am legally obligated to pay this debt 4. Proof that your company is authorized to collect on this account 5. The date of alleged default and payment history 6. Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease telephone calls, text messages, and electronic communications to me regarding this matter. Please communicate with me in writing only. If this account is being reported to any consumer reporting agency, I request that you investigate the accuracy of the information being furnished. Reporting inaccurate or unverified information may constitute violations of the FCRA, including 15 U.S.C. 1681s-2. Furthermore, under Regulation F, 12 CFR 1006.34, consumers are entitled to validation information regarding alleged debts. If your company can not provide sufficient validation, I request that all collection activity cease until proper verification is provided. This letter is not an acknowledgment of liability, nor is it a refusal to pay. I am exercising my rights under federal law to request validation and dispute this account. Please provide all requested documentation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC because they have failed to respond to my written dispute and debt validation request regarding an account that I do not recognize and do not believe belongs to me. On XX/XX/year>, I sent LVNV Funding LLC a formal dispute letter requesting validation of the alleged debt. In my letter, I requested documentation proving that I am legally responsible for this account, including proof of their authority to collect, a copy of any signed agreement bearing my signature, a complete account history, and documentation supporting the amount being claimed. Despite providing them ample time to respond, I have not received any response, validation, or supporting documentation from LVNV Funding LLC. I am not aware of this account and have no knowledge of entering into any agreement that would make me responsible for this debt. Furthermore, I have never received any prior notices, statements, contracts, collection letters, or other correspondence from LVNV Funding LLC regarding this account. The lack of communication and failure to provide documentation has prevented me from determining whether this debt is legitimate or whether it may be the result of inaccurate reporting or identity theft. As a consumer, I believe I have the right to receive proper validation of an alleged debt before it is reported or collected. Instead of addressing my dispute, LVNV Funding LLC has ignored my request and failed to provide the information necessary to verify the account. This situation has caused me significant stress, frustration, and anxiety. It is also negatively impacting my creditworthiness and affecting my ability to obtain credit and financial opportunities. I am requesting that LVNV Funding LLC immediately provide complete validation of the alleged debt, including all documentation proving that I am legally obligated to pay it. If they can not provide competent evidence supporting their claim, I request that they cease all collection efforts and immediately delete any related reporting from all consumer reporting agencies. I respectfully ask the Consumer Financial Protection Bureau to investigate LVNV Funding LLC 's failure to respond to my dispute and to ensure that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for, and got approved for a Credit Card from XXXX XXXX ( Bread Financial ) on XX/XX/XXXX. I was given a Credit Limit of {$9600.00}. After making XXXX payments ( Never missed a payment ) and XXXX months later, they reduced my credit limit to {$2600.00}. However my balance was approx {$3300.00} at that time. However, since the new balance was now over my credit limit, I am being charged penalties for being " Over Credit Limit ''. Yet they lowered my credit limit for now reason. Again, never missed a payment. ( Thats like changing the rules of a game midway through the game! ). I have tried for over XXXX months and reached out to them on more than XXXX occassion to get them to resolve this issue. They have refused. For example, my last payment of {$110.00} ( made on XX/XX/XXXX ) only reduced my balance {$40.00} since i am " Over my Limit '' ( Available Credit is- {$490.00} ) with fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> LVNV Funding LLCXXXX XXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute this debt and request that you immediately stop all telephone calls, text messages, emails, letters, or any other form of contact with me, except as permitted by law to notify me of specific legal action being taken or that collection efforts are being terminated. Additionally : Do not contact my employer, family members, friends, or any third parties regarding this matter. Do not report or continue reporting inaccurate information to any credit reporting agency. If you believe this debt is valid, provide full written verification of the debt, including : The name of the original creditor The amount allegedly owed A complete payment history Proof that your agency is authorized to collect this debt Any further communication outside the scope permitted under federal law XXXX constitute a violation of the FDCPA and other applicable consumer protection laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I'm writing about XXXX Card. I had a credit card with them since around XXXX. This past XXXX I purchased a bus ticket with my XXXX credit card. I was suppose to travel from XXXX, Tn. to XXXX, XXXX on XX/XX/XXXX but was unable to do so because there was a snow storm that day with approximately 4 inches of snow on the ground and the bus station was closed that day. No buses were running that day. I called the main number to the bus line to ask for a refund but they refused to give it to me saying that another bus line they deal with should give me a refund. I paid my money to XXXX. I called XXXX Card and disputed the charge of {$82.00}. I gave them all the details as to why I disputed the charge. They gave me a temporary credit until they talk with the bus company which was XXXX out of XXXX, Tx. XXXX told them that I actually boarded the bus that day after the bus driver scanned my ticket which was a total lie because as I said earlier, the bus station was closed that day. I know this for a fact because I went to the bus station the morning of XX/XX/XXXX only to find that they were closed. So XXXX XXXX placed the charge back on my card all because of what XXXX told them. I even googled the weather condition for XXXX, Tn. for that day. I printed it out and sent it to XXXX XXXX and they still chose to believe what XXXX said over what I said even though I've been a valued customer of theirs since XXXX. I've been trying to reason with XXXX all this time and have gotten no where with them. I've filed a complaint against XXXX with the Texas Attorney General 's Office and now I'm filing one with you all against XXXX. Please help me out because I can't see paying {$82.00} for some services that I did not receive. I recently closed my account out with XXXX but they're still billing me for the {$82.00}.

Company response to consumer: Closed with explanation