vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Branch Messenger, Inc.
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX ( issuer of my Uber Pro XXXX ) for failing to properly process a fully documented dispute for " Defective Merchandise '' and " Services Not Rendered '' by merchant, XXXX. XXXX leased me a structurally compromised vehicle with a severe pre-existing alignment failure. The tires catastrophically failed down to the steel belts while driving, resulting in XXXX XXXX and an XXXX XXXX. I provided XXXX XXXX 's dispute department with undeniable proof of this, including : An independent mechanic 's diagnostic receipt proving the mathematical structural failure. Photos of the shredded tires. XXXX XXXX XXXX XXXX. Timestamped text messages from XXXX explicitly admitting fault ( " I also added the tire refund '' ) but failing to actually issue it. Text evidence of economic duress where XXXX threatened my XXXX driver access to force continued payment for the defective vehicle. Despite this absolute proof of merchant liability, bad faith, and physical harm, XXXX XXXX XXXX representatives verbally denied my right to provisional credit, claiming my card is a " business account '' exempt from XXXX XXXX When I asked for a written copy of this policy, the agent refused to provide it. Furthermore, XXXX XXXX is legally bound by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. By stalling my funds under a blanket " XXXX investigation '' despite me handing them a completed investigation with written confessions, XXXX XXXX is protecting a fraudulent merchant and improperly withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I refinanced my home in XXXX and requested they ( Freedom Mortgage ) not to withdraw the auto draft after the loan was paid off. They did anyway and said they would issue me a check within 2 weeks. That check would also have the remainder of the escrow balance. That check never came. When I called they updated the time and said 4 weeks. 4 weeks passed and they said it must be an issue with my post office. I contacted post office and spoke with mail man, no issues or mail waiting with them. I spoke with Freedom Mortgage again and they said they would send another check and it would take a minimum of 10 business days. I am now passed due on my XX/XX/XXXX mortgage and will be passed due on my XX/XX/XXXX mortgage payment as I was relying on that money to help support my mortgage payments. Each time I call them they give me the run around and say that the problem is on my end.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: ID

Complaint narrative:
I received telephone calls and voicemails from XXXX XXXX earlier this year. I called XXXX XXXX to follow up as I did not open a loan with this agency. I was provided the below information : A loan was opened using my maiden name- XXXX XXXX- for {$2400.00} with XXXX XXXX. I reported this as fraudulent as I did not take this loan out or know that it existed. XXXX XXXX reported the following loan details to me : XXXX XXXX Name used : XXXX XXXX XXXX ID : XXXX Amount : {$2400.00} Taken out on XX/XX/year> Phone number used : XXXX Email used : XXXX The email and phone number used for the loan are not mine. XXXX XXXX confirmed that they could see this email was not mine as well. XXXX XXXX confirmed with me they filed the loan as fraudulent. I then immediately froze my credit with all three bureaus and filed an identify theft claim. Today, this loan is now with XXXX XXXX and has hit my credit report as a collection. I have made XXXX attempts to reach XXXX XXXX to dispute, and get a voicemail every time. I have left XXXX voicemails with no return call. I receive texts like this : Pay through our billing portal for a hassle-free experience, to resolve your XXXX XXXX XXXX XXXX XXXX XXXX ( for which the current creditor is XXXX XXXX XXXX XXXX ) account. Up to {$2200.00} off in up to XXXX payments! Visit https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out This text references XXXX XXXX AND XXXX XXXX, and I am unclear of how to proceed. I requested documentation from XXXX XXXX and never received it and cant get a hold of anyone from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for reporting and attempting to collect a debt that has not been properly validated and is being reported inaccurately across multiple credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account originates from XXXX XXXX ( XXXX XXXX ) and was allegedly sold to Midland Credit Management. However, the information being reported is inconsistent, incomplete, and unreliable. I submitted a formal written debt validation request requesting : ( XXXX ) a signed agreement, ( XXXX ) complete chain of title, ( XXXX ) bill of sale identifying my account, ( XXXX ) full payment history, and ( XXXX ) itemization of the balance. Midland failed to provide these documents. Despite failing to validate the debt, Midland continues to report this account as verified and continues collection activity. This constitutes a failure to conduct a reasonable investigation under FCRA XXXX and the furnishing of inaccurate information under FCRA XXXX. Additionally, this account has already been removed from Equifax, while remaining reported as verified on Experian and TransUnion. This demonstrates inconsistent and unreliable reporting, which is prohibited under FCRA XXXX ( b ). Midland has provided only generic statements and internal summaries, none of which constitute proper validation or proof of ownership. They have not produced any competent evidence demonstrating legal ownership of the debt or the accuracy of the reported balance. See Exhibit A ( original account ), Exhibit B ( charge-off and sale ), Exhibit C ( Midland responses XXXX, Exhibit D ( validation request ), Exhibit XXXX ( Equifax removal XXXX, and Exhibit F ( inconsistent investigation results ). Based on the above, I am requesting immediate deletion of this tradeline from all credit reporting agencies. If Midland is unable to provide complete validation and documentation as required by law, they must cease reporting and collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Someone in XXXX XXXX university signed up for a XXXX loan in my name and also received XXXX in debt Ive never been to XXXX XXXX nor did I sign a no promissory note?

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On or around XXXX XX/XX/2026 I mailed National Credit Systems, requesting the company to verify the debt thats showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Santander XXXX has had an active lien on a paid-off loan since 2022. It was financed twice. I have the confirmation/release from XXXX XXXX XXXX from when I made their last payment. I took this letter to the DMV requesting a copy of my title, and the DMV told me that Santander XXXX has the lien in hold even though they shown on their system that XXXX XXXX and XXXX ( refinances ) have the lien released already. It has been 187 days without a response to my emails or calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint regarding a billing dispute on my Apple Card XXXX Goldman Sachs Bank USA ) for a charge of {$1100.00} by XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. In XX/XX/year>, I made this reservation and confirmed it prior to travel. On the day of arrival, while driving from XXXX, I was contacted by hotel management and confirmed I would be arriving late. Upon arrival that night with my family, I was informed that my reserved non-smoking room had been reassigned and that the only available option was a smoking room, which was not suitable for my family with children. I immediately left and secured alternative accommodations. I was never checked in, never received a room key, and never occupied the XXXX property. Despite this, I was charged the full amount. I disputed the charge under services not rendered and submitted a signed and notarized affidavit along with supporting documentation, including : * Exhibit A : Original XXXX reservation confirmation * Exhibit B : Confirmation of the alternative hotel stay * Exhibit C : Receipt from the hotel where I actually stayed during the same dates Although a provisional credit was initially issued, it was later reversed without providing evidence that services were rendered, such as check-in records, key issuance logs, or a signed folio. This complaint is being filed because my sworn affidavit and supporting evidence were not meaningfully addressed during the dispute process. I am requesting a compliance-level review and reversal of this charge, as it violates my rights under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a Chase Mortgage account that reflects adverse activity beginning in XX/XX/XXXX through XX/XX/XXXX. This account has aged off both my XXXX and XXXX credit reports, as it is now more than XXXX years past the original date of delinquency. However, this account remains on my XXXX credit report despite being beyond the allowable reporting period. I most recently disputed this item with XXXX on XX/XX/XXXX, and received the dispute results on XX/XX/XXXX. The outcome stated XXXX XXXX XXXX. On XX/XX/XXXX, I contacted XXXX customer service to discuss the results. During that call, the representative confirmed that the account was originally reported as delinquent beginning in XX/XX/XXXX and acknowledged that it should no longer appear on my credit report. However, I was advised that XXXX could not remove the account because it is being reported in this manner by Chase. I was then instructed to contact the Consumer Financial Protection Bureau ( CFPB ) and was provided the toll-free number XXXX. I am requesting that this aged, adverse account should no longer be reported by Chase to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
ive been staying at the same address for over XXXX years and i ended up being homeless with my kids for XXXX months in XXXX and while that XXXX months was happening i never insured so much XXXX in my life i got my personal items stolen from me XXXX and every since then i find out over the years from other companies that these people have gotten cars and credits cards and etc in my name and im just trying to build my credit so i can finally at XXXX XXXX XXXX to have a home for my kids and build my credit but i just cant catch a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Radius Global Solutions Account Number : XXXX, which I do not recognize and have never authorized. I have never conducted business with this company, and I have no knowledge of any debt owed to them. This account may be the result of identity theft or a serious reporting error. This inaccurate account is being reported on my credit file and is negatively impacting me. I submitted documentation to XXXX requesting it to be removed. I filed and FTC, Affidavit and have ID 's for proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Since my mortgage ( loan number XXXX ) was taken over by Rocket Mortgage at the end of last year, my monthly payments were improperly applied. This is XXXX year or my loan and I never experienced these types of problems before as I always pay more than required with statements and balance excess would go towards reducing my principal balance. Starting with statement of XX/XX/XXXX, my payment due was {$350.00} and I sent in {$1400.00}, expecting as usual to have this amount covered and rest going to reduce the principal balance. Instead, without my consent, they have broken up my payments into 4 and made my new payment due on XX/XX/XXXX ( instead of XX/XX/XXXX ) with a gimmick that I " don't have to worry about payments now for 4 months ''. But this makes me incur more interest while I'm not interested in this type of deal. I called and complained and asked to make sure I get credited for what is due and rest to put towards premium reduction. After regurgitating this several times over the phone I was told that it was done. Since then I stopped receiving the monthly statements. So I started calling every month since finding out that every time since my payments were improperly applied again in a similar matter and assured that my statement was mailed. So after 20 years not missing one single statement, all statements that were supposedly mailed to me were lost, mortgage company blaming on mailman. I have no problem with mail delivery. Again and again, my payments were not properly handled. The all of sudden I get an e-mal stating that my new statement is due on XX/XX/XXXX. I was really surprised to see this since they were always due XXXX of the month. When I called, I found out that instead of applying my payments as instructed, they applied everything towards premium last time and nothing for running interest and I also incurred a late payment fee on top. After over an hour on the phone I was assured that all this is corrected and will have everything applied properly. But still no statement as I was apparently lied to as it was mailed. I don't have confidence without paperwork and all transactions that everything is corrected. These people need AUDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: UT

Complaint narrative:
On XX/XX/year> I recieved a court summons via courier. This was my first time hearing of the alleged debts that I do not recognize. On XX/XX/year> I sent a validation of debt letter to JOHNSON MARK LLC on behalf of XXXXXXXX XXXX which apparently purchased the alleged debt from XXXX XXXXXXXX. I also attached a response to the summons and submitted both forms to the courts, stating in the response that i believe this to be a product of identity theft. I requested the VOD of debt be sent to me within 10 days. On XX/XX/XXXX I recieved from JOHNSON MARK LLC, a folder with a bunch of heavily redacted information that shows nothing of substance and a copy of XXXX XXXXs general terms and conditions anyone can print off their website. I did not recieved a valid or legally binding contract. I also recieved a letter that was allegedly sent to me from XXXX XXXX stating they were selling my alleged debt and the address on the copy of this document was incorrect. I have filed an identity theft report with the FTC. I also recieved another court document from JOHNSON MARK LLC telling me that I need to XXXX. Admit I entered into a contract with XXXX XXXXXXXX, thereby agreeing to pay for the balance of the account. XXXX. Admit that I used, or authorized the use of the account to obtain goods, services or money. XXXX. Admit that I was billed by XXXX XXXXXXXX for the account balance and did not dispute the account balance. XXXX. Admit that I made less than all payments due pursuant to the terms of the contract. And XXXX. Admit that I am indebted to XXXX XXXXXXXX and it's subsequent assignee, the Plantiff for the account balance. JOHNSON MARK LLCs aggressive and abusive tactics have caused severe harm to me and my reputation through coercion, fraud, discrimination, and unfair debt collection practices.

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 2026-04-21 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding SoFi Banks handling of a disputed {$400.00} transaction. On XX/XX/year>, a {$400.00} transaction from XXXX XXXX XXXX appeared on my SoFi Bank account. I reported the transaction to SoFi Bank promptly as unauthorized. The charge followed a process presented as verification. At no point was it clearly disclosed that this process would result in a financial transaction. I did not request, initiate, or knowingly authorize a {$400.00} cryptocurrency transaction. During the dispute process, I provided SoFi Bank with supporting documentation and context, including confirmation from XXXX that it provides identity verification services only, does not process financial transactions, and blocked my verification profile, and confirmation from XXXX that the transaction was processed through a cryptocurrency exchange and may occur in third-party scenarios that present fraud risks. Despite this information, SoFi Bank determined that the transaction was authorized based on account access and interaction with the process and denied the dispute. I respectfully disagree with SoFi Banks determination. The available information does not demonstrate informed authorization of this transaction. I reported the transaction promptly, provided documentation, and cooperated fully with SoFi Banks investigation. However, I did not receive meaningful assistance during the process. There was no proactive outreach to clarify the circumstances, no request for additional details that could have supported a more thorough review, and no indication that the third-party context was meaningfully evaluated. I also have no prior history of submitting disputes of this nature, and this activity is not consistent with my normal account use. As a person with a documented disability, the lack of clear guidance and support created additional difficulty in navigating the dispute process. As a result, I have been held responsible for a {$400.00} transaction that I did not request or knowingly authorize, which has caused financial hardship. I am requesting that this matter be reviewed and that SoFi Bank reconsider its determination in light of the full context and documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i applied for a capital one saver card with a {$200.00} offer for spending $ XXXX 3 months through a link from a referral offer. it was very clear that to get the offer you must apply with this link by clicking here. i applied through that link and was approved and i followed all the required steps that would make me eligible. After not receiving the bonus i called cap one and they claim i signed up for a different CC that does not have a bonus. that is 100 % false. i absolutely applied through the link. had i known i would not get the offer promised i would never have signed up for this card. they are totally deceiving and robbing me.

Company response to consumer: Closed with explanation