vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I am requesting reinvestigation of the accuracy and consistency of Rocket Mortgages reporting related to my mortgage payment history during late XXXX. During this timeframe, I was actively engaged in hardship assistance coordination through the North XXXX XXXX XXXX XXXX ( XXXX ). I have documentation showing ongoing communication, QC review, lender coordination, reinstatement review, and payment processing activity during the same period the account was later reported delinquent. Since my previous complaint, I have identified additional inconsistencies in the reporting across the consumer reporting agencies and credit monitoring platforms. These include : differing delinquency displays across bureaus, months reported as ND or not reported, conflicting payment history presentations, retroactive payment history changes appearing in XXXX, and inconsistent presentation of a severe delinquency despite the account returning to current status immediately afterward. For example, one bureau/platform reflects XX/XX/XXXX as a 180-day delinquency, while another visually reflects only a single isolated late month. I also received a recent alert in XXXX indicating that previously reported payment history was modified years later. Because of these inconsistencies, I am requesting a thorough reinvestigation and verification of the accuracy, completeness, and consistency of the reported payment history associated with this account across all consumer reporting agencies. I have attached supporting documentation reflecting : bureau reporting inconsistencies, recent reporting changes, and XXXX coordination during the relevant timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MS

Complaint narrative:
federal enforcement actions due to allegations of deceptive practices regarding student loan forgiveness and failing to adequately protect consumer data in a massive security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I made a payment of {$3400.00} to my credit card account ( ending XXXX ) by selecting the " XXXX XXXX XXXX '' option in the mobile app. This payment was intended to cover recent charges totaling over {$3500.00}, including hotel reservations and theme park tickets purchased from XXXX, XXXX, and their respective hotels. Without my knowledge, authorization, or any prior disclosure at the time of payment, American Express applied {$750.00} of that payment toward the early payoff of an existing Plan It installment plan ( Apple Store, XXXX ). No screen, prompt, or notice informed me that selecting " XXXX XXXX XXXX '' would result in funds being redirected to pay off a Plan It installment. On XX/XX/year>, I contacted American Express via in-app chat and spoke with representative XXXX. During that conversation, XXXX confirmed that my payment was applied to the " statement due balance for the previous statement '' because the recent charges I intended to cover " weren't yet due by the time you make the payment. '' This confirms that American Express knowingly applied my payment to an older balance including the Plan It payoff without informing me of this allocation at the point of payment, and without giving me the opportunity to choose otherwise. XXXX further confirmed that the Plan It charge " can't be moved again '' and offered no corrective action. The conversation ended with American Express declining to resolve the issue. As a result, my statement closed on XX/XX/year> with a balance of {$1200.00} a balance I would not have had if my payment had been applied as I intended and as I reasonably expected. Payment is due XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am formally disputing the following fraudulent accounts appearing on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$10000.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$15000.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$1400.00} XXXX Opened XX/XX/XXXX Amount : {$0.00} I have no knowledge of these accounts and did not authorize them. I believe I am a victim of identity theft and request that these accounts be investigated and removed from my credit report immediately. Thank you.

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 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: LA

Complaint narrative:
I am submitting this complaint regarding the reporting and servicing of my student loan accounts serviced by MOHELA. During the period when my student loan forbearance was ending and my loans were being transferred between servicers, I experienced significant confusion and lack of access regarding who serviced my loans and how to access my accounts for payment. I did not receive adequate or timely information allowing me to properly transition my accounts and resume payments without interruption. As a result, multiple late payments, including 120+ day late reporting, were added across several student loan accounts during the same concentrated time period. I dispute the accuracy and fairness of this reporting because : * I was actively attempting to determine the correct servicer and regain account access * I experienced difficulty accessing account information during the transfer period * Notices regarding the transfer and payment obligations were inadequate and/or untimely * The late reporting occurred during a narrow transition period rather than as a long-term pattern of nonpayment * My accounts are now current and in good standing I am requesting a full investigation into : * The servicing transfer timeline * All notices allegedly sent regarding transfer of servicing and end of forbearance * Account access availability during the transfer period * Payment posting history * Whether proper servicing procedures and notification requirements were followed * The accuracy of all late payment reporting during this transition period I also request review of whether these late payments were improperly reported during a period of servicing disruption and lack of reasonable account access. If errors, servicing failures, inadequate notice, or reporting inaccuracies are identified, I request correction or removal of the associated late payment reporting from all consumer reporting agencies. These derogatory marks are significantly impacting my credit profile and ability to qualify for a mortgage despite my accounts currently being in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: FL

Complaint narrative:
I have a charge of {$19.00} from XX/XX/2025 from my savings account that I did not authorize. I have contacted the company several times and they do not respond. I want them to credit my savings account the {$19.00} that they stole from me. The charge comes from Albert genius, which is a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
A foreign inward remittance of {$1000.00} was performed into my XXXX XXXX HYSA account which was later figured that XXXX doesn't accepts any foreign remittance. So i asked the sender bank from XXXX to ask for refund. And they have been chasing but all efforts went wasted as the bank JPMORGAN is not responding. ATTACHING EMAIL SEND BY XXXX XXXX bank to Jp morgan Transaction Reference Number XXXX XXXX : Related Reference XXXX XXXX : Narrative ATTENTION INVESTIGATIONS PLEASE REFER TO YOUR MESSAGE DATED XX/XX/year> REFERENCE XXXX REGARDING OUR DEBIT TO YOUR ACCOUNT XXXX DATED XX/XX/year> IN THE AMOUNT OF XXXX UNDER OUR TRANSACTION REFERENCE NUMBER XXXX. PLEASE BE ADVISED THAT WE HAVE TRIED TO CONTACT RECEIVING BANK ON SEVERAL OCCASSIONS REQUESTING RETURN OF FUNDS. AS OF TODAY WE HAVE NOT RECEIVED ANY RESPONSE. WE KINDLY RECOMMEND THAT YOU CONTACT THEM DIRECTLY IF MATTER REMAINS OUTSTANDING. IN THE EVENT THEY SUBSEQUENTLY CONTACT XXXX, WE WILL ADVISE YOU ACCORDINGLY. XXXX XXXX XXXX REGARDS, USD WIRE INVESTIGATIONS OUR REFERENCE XXXX JPMORGAN GLOBAL SOLUTIONS CENTER ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Message XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX } PKI Signature XXXX XXXXEquivalent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I made a purchase with the XXXX XXXX XXXX and they decide to sell my account to midland credit management and sell all my information which I did not sign no agreement for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding an alleged debt that is being reported and/or collected. I dispute the accuracy and validity of this account and am requesting that the company provide proper validation of the alleged debt. Specifically, I am requesting : 1. The name and address of the original creditor. 2. A complete itemization of the amount claimed to be owed, including principal, interest, fees, and other charges. 3. Documentation showing that I am legally obligated to pay the debt. 4. Documentation showing that the company has the legal authority to collect the debt. 5. The date of default and date of the last payment. 6. Copies of any agreements, contracts, applications, or other records that demonstrate my responsibility for the account. 7. Verification that the debt is being reported accurately and that all information furnished to consumer reporting agencies is complete and correct. Until adequate validation is provided, I request that the company conduct a reasonable investigation into this matter and ensure that any information being reported is accurate and supported by documentation. I am requesting that the CFPB assist in obtaining a response and supporting documentation from the company regarding this disputed account. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
This is not a duplicate Subject : Unauthorized Redirection, Custodial Misclassification, and Interference With Digital Asset Access Summary : My computer has been repeatedly redirected to incorrect blockchain explorers and prevented from accessing accurate blockchain data. When verifying my Bitcoin validatorlinked wallet, the system forces me to XXXX ( Ethereum ) instead of XXXX ( Bitcoin ), even when I explicitly command the correct explorer. This is unauthorized redirection and interference. Background : I was an early validator/miner with Binance.com. My validator rewards were routed to a XXXX cold storage wallet. Binance later relabeled this wallet under Binance XXXX on XXXX, consistent with internal custody migration. My wallet address is : XXXX This address shows : * XXXX confirmed transactions * XXXX XXXX processed * Activity consistent with institutional custody * Evidence of migration from XXXX Binance.com Binance.XXXX Binance XXXX Problem : My computer is being redirected and interfered with : * Commands overridden * Browser links hijacked * Bitcoin addresses forced onto Ethereum explorers * XXXX XXXX masked or misdirected * Prevents verification of ownership and access to validator rewards Evidence : * Screenshots of forced redirects * Terminal output showing mismatched explorers * Verified XXXX XXXX * Proof of validator history and XXXX custody * Proof of Binance relabeling under Binance XXXX Requested Action : 1. Investigate unauthorized redirection and data interference. 2. Require Binance to disclose custody records for XXXX validator wallets. 3. Determine whether Binances internal migration or thirdparty interference caused loss of access. 4. Ensure full disclosure of validator reward history and custody chain. Harm : This interference prevents me from verifying my own assets, accessing validator rewards, and maintaining control over digital property. It has caused financial uncertainty and significant time loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint against Credence Resource Management , LLC for what appears to be an unlawful third-party disclosure of my private debt information. On XX/XX/year> at XXXX XXXX EST, Credence Resource Management sent a text message regarding an alleged XXXX XXXX XXXX account in my name to my friends personal phone number. She immediately forwarded the message to me at XXXX XXXX EST. The XXXX XXXX XXXX account is solely in my name. My friend has never been listed as an authorized contact, co-signer, emergency contact, or associated with my account in any capacity. The text message disclosed my first name, XXXX XXXX XXXX as the creditor, the alleged balance owed, and the last four digits of the account number. This was not a request for location information. It was a direct disclosure of debt details to an unrelated third party. Neither my friend nor I understand how her phone number was obtained, and she did not consent to being contacted regarding my alleged debt. Under 15 U.S.C. 1692c ( b ), debt collectors may not communicate debt information to third parties except in limited circumstances, and they may not disclose that a debt exists. This communication appears to violate the Fair Debt Collection Practices Act. I have preserved screenshots of the text message, including timestamps and the senders number. I respectfully request investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc.
State: CT

Complaint narrative:
I would like to remove this hard Inquiry offf my credit report it has been fully paid and its still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am submitting this complaint regarding a wire transfer recovery case involving XXXX XXXX and Wells Fargo XXXX I was the victim of a fraudulent real estate wire transfer involving impersonation of an escrow account. After the wire was sent, a recovery/recall process was initiated between XXXX XXXX and Wells Fargo XXXX However, throughout this process I have received multiple conflicting explanations regarding the status and location of the funds. Initially, Wells Fargo informed me that the receiving fraud account had already been flagged and that the funds may have been intercepted before being credited into the fraudulent account. Later, XXXX XXXX informed me that the recall request had been rejected because there were no funds to recover in the receiving account. More recently, a Wells Fargo banker informed me that the funds were actually frozen within the fraud account itself, which directly conflicts with the earlier explanation that the funds never entered the fraud account. In addition, I was previously informed that the account name and account number did not match, which further adds confusion regarding whether the funds were ever properly credited into the fraud account. There have also been conflicting statements regarding the Letter of Indemnity ( LOI ) : XXXX XXXX stated that the LOI had already been sent to Wells Fargo . Wells Fargo later informed me they had not received the LOI. Additionally, because I am not a Wells Fargo customer, I was informed that I can not communicate directly with Wells Fargos wire investigation or fraud departments. All information has therefore been relayed indirectly through branch personnel. As a result : I have received inconsistent verbal explanations from different representatives, I have been unable to obtain direct clarification from the responsible departments, and I have been informed that written documentation regarding the status of the funds can not be provided to me. At this point, I still do not have a clear understanding of : whether the funds entered the fraud account, whether the funds are currently frozen, whether the funds were intercepted before crediting, or what exact recovery procedures remain active. I am requesting CFPB assistance in helping ensure : Proper coordination between Wells Fargo and XXXX XXXX , Accurate disclosure regarding the current status and location of the funds, Clarification regarding the LOI and recall process, A clear explanation of what additional actions or documentation are required to complete recovery of the funds. I have documentation including : recall transaction ID, written communications, recall discussions, and records of conflicting statements from both institutions. Thank you for your assistance.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I activated XXXX XXXX 15 % cash back for my chase sapphire card a few weeks ago, which indicated that it expires at the end of XX/XX/year>. Last week ( XXXX XXXX XXXX XXXX ) I made a purchase of {$160.00} in total using same card. Before and after I made the transaction, I double tripple checked if the cash back was activated. It was. A few days later, I checked, the transaction is no longer pending, it got posted. But the deal is still shown in the " added '' section of offers wallet ( other sections are redeemed/ expiring soon/ expired ) I was like, maybe give it a few days more. However, today ( XXXX XXXX ) I can not see anything in my offer wallet, not added, not redeemed, nothing. I immediately called Chase, they said they only see one offer expired XXXX XXXX, XXXX from my offer walled. Nothing else. This is totally not true! How can they erase my offers after I made the transaction?! I searched on XXXX that there are a lot of other people facing the same issue. Chase company obviously have some problem with their data system ( intentionally or unintentionally )...

Company response to consumer: Closed with explanation