vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a formal complaint against Capital One regarding a promotional reward that has not been honored. I accessed a promotional offer through Capital Ones official platform ( Capital One Shopping / Offers ) and completed a qualifying purchase on XXXX totaling approximately {$490.00}. The transaction is clearly tracked within Capital Ones system but has been marked as ineligible and the promised promotional reward has not been issued. I contacted Capital One customer service and escalated the issue to a supervisor. I was informed that : The decision is final No manual adjustment or override will be made The case will not be reviewed further internally I was advised to seek third-party resolution I also contacted the merchant, XXXX, who confirmed that this purchase was not part of any promotional event on their side. Despite this, Capital One has not honored the promotional reward associated with their own platform offer. As a result, I completed a qualifying purchase in reliance on Capital Ones advertised promotion, but the reward has not been issued and no party is taking responsibility. Requested resolution : Immediate issuance of the promotional reward associated with the offer ( or equivalent credit/value ) Correction of the ineligible status or manual adjustment to reflect eligibility Assurance that Capital One honors advertised promotional offers when consumers complete qualifying transactions through its platform I have retained all documentation, including offer details, transaction records, and communications with both Capital One and the merchant, and can provide them upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my son, an authorized user on my account, was in XXXX XXXX for a musical event. There was a booth that was accepting donation for some sort of charity, he tapped his BOA card and approved a {$10.00} donation. This showed up on the BOA statement as an {$800.00} donation to the XXXXXXXX XXXX XXXX. I immediately cancelled this card. There is no receipt. There is no invoice. I called BOA on XX/XX/XXXX to file a fraud claim. It was denied on XX/XX/XXXX. I called again on XX/XX/XXXX and they reopened the fraud claim. At one point I was told, by a BOA representative, to call XXXX to have them do a reverse look up to see if they show the transaction, I did this and they do not show any proof of purchase on their end. I also tracked down a business in Iowa called XXXXXXXX XXXX XXXXXXXX. I sent them XXXX emails requesting a receipt for this donation. When I did not hear back from them, I called. They denied ever having donation booths in the XXXX area, they did check their records and did not find a donation under my sons name or any in the amount of {$800.00}. BOA denied the fraud claim again on XX/XX/XXXX. I called BOA on XX/XX/XXXX and was advised to file a Dispute instead of a fraud claim, which I did. At this time, XXXX put out an article about a donation scam that has been happing in XXXX XXXX where people would tap their card to donate {$5.00} - {$10.00} and it was showing up as an {$800.00} charge. I sent this article to BOA. My claim was denied again on XX/XX/XXXX. I called and asked for a supervisor to attempt to escalate this and was told there is no one else above her and since there is no receipt that it will probably get denied. It was denied again on XX/XX/XXXX. My son is responsible for the charges he makes on the BOA credit card. He is a XXXX XXXX XXXX and would never, knowingly, donate {$800.00} to any charity at this point in his life.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear CFPB, I am extremely frustrated and distressed that SoFi suddenly closed my account without any prior notice or explanation. I only received a few XXXX transfers from friends reimbursing me for travel expenses I had paid on their behalfcompletely legitimate transactions. SoFi has left me in a dire situation : I can not access my own money, which is preventing me from paying daily expenses and credit card bills. This unexpected closure has caused serious financial and emotional stress. I trusted SoFi with the majority of my funds, and now I feel betrayed and stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
Im asking to do an investigation for my car loan because i strongly believe im being lied to by the bank lander.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
Dispute from my bank was filed XX/XX/year>. It was resolved XX/XX/year> and my funds remain inaccessible Here is the transaction id of the held fund XXXX Formal Complaint : Unresolved Fund Hold After Cleared Bank Dispute - Account [ XXXX ] I am filing this complaint because Crypto.com has failed to release my funds despite a bank-confirmed resolution of a disputed charge more than a month ago. XX/XX/year> : I initiated a transaction on the Crypto.com platform for [ {$990.00} ]. [ XX/XX/year> ] : I filed a dispute regarding this transaction with my bank, [ XXXX XXXX ]. [ XX/XX/year> ] : My bank officially resolved the dispute and cleared the charge. I have attached the formal documentation from [ XXXX XXXX ] confirming that the dispute is settled and the funds are cleared. [ XX/XX/year> ] : I have contacted Crypto.com support via the in-app chat on [ XX/XX/XXXX and XX/XX/XXXX ]. In each instance, I was provided only with generic automated responses stating that they are " working on it, '' with no specific timeframe for resolution or requests for additional information. XXXX Status : It has now been over [ XXXX ] days since the bank cleared the dispute, and my funds remain frozen without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
My account with Current was closed, and they have failed to provide a clear accounting of my funds or resolve missing money that was not returned to me. I have repeatedly requested my final account balance, full transaction history, and the outcome of any investigation into unauthorized activity. Instead of answering, the company continues to refer me to a prior email that does not address my concerns. I am requesting : My final account balance A full transaction history The results of any investigation into unauthorized transactions Reimbursement of any funds that were not properly returned This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I successfully secured a small loan of {$600.00}. However, upon reviewing my payment history, I discovered that my total outstanding balance had increased to {$3200.00} as of XX/XX/year>. Despite making {$160.00} payments every XXXX weeks, I am perplexed as to why I continue to make payments. I have already completed XXXX payments, amounting to {$2500.00}, which exceeds the initial loan amount of {$600.00}. XXXX 642.52 %

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Re : Formal Complaint Unsafe Vehicle and Financial Harm ( XXXX XXXX XXXX ) I am submitting a formal complaint regarding a defective XXXX XXXX XXXX that has resulted in ongoing safety concerns and financial hardship. I am a XXXX XXXX living on a fixed income, and this situation has placed an unnecessary burden on my financial stability and personal safety. The vehicle was purchased on XX/XX/XXXX. Beginning on XX/XX/XXXX, the vehicle developed a progressive oil consumption defect. Despite multiple repair attempts, the issue worsened and ultimately required a full engine replacement in XX/XX/XXXX. Following the engine replacement, the vehicle continued to experience serious safety failures, including reduced engine power, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the vehicle experienced a driver assist malfunction in which it attempted to steer off the roadway. On XX/XX/XXXX, the vehicle exhibited a fuel leak along with multiple warning indicators, creating both a fire hazard and loss-of-control risk. Additionally, I was informed that a critical high-pressure fuel line was not replaced during the engine installation, which constitutes an improper repair. Despite these ongoing issues, I am being pressured to take possession of an unsafe vehicle while still being financially responsible for the loan. I am requesting assistance to ensure that I am not held financially responsible for a defective and unsafe vehicle, and that the manufacturer fulfills its obligation to provide a safe and reliable product. This situation has caused significant stress and concern, particularly given my status as a XXXX XXXX relying on stable transportation and financial security. I respectfully request that this matter be reviewed and that appropriate action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Back in XX/XX/year> my loan was sold to a different mortgage company. The old mortgage company was in the middle of approving a loam modification. The new company said they wouldn't honor it, but I could apply for a loan modification with them. Documentation proves I'm able to pay this monthly mortgage payment, but it has been denied. I have yet to be given the reason. I have tried reaching out to them to find out answers, however, I'm told I can ONLY speak to the agent on my account and she is NEVER available when I call and I have to wait for a call back which typically takes 2-4 days. I don't have 2-4 days to wait. I need to get this handled and moving. I'm facing foreclosure and REALLY need to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have attached proofs of unathorized activities in my account. Started reporting multiple disputes on XX/XX/2026, they have all since been denied till now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Online access to the company is currently down and has been for months. The only way to access Tax documents is through that online portal. Without the tax documents, I am unable to complete my Federal Income Tax filing for 2025. I requested paper copies be mailed to my address and was told that they could not do that. The company 's suggestion is to " try accessing the site again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Wise was used to transfer cash from my bank /credit card accounts for immediate transfer to unknown third parties. Approximately {$5000.00} was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an escalation of my original complaint ( Complaint Number : XXXX ) against Equifax , Inc. , regarding their failure to properly handle my credit report dispute. Equifax 's response to my initial complaint was closed with an explanation that they were unable to locate a credit file for me, citing reasons such as not having applied for credit recently, not using credit in the last ten years, or not having a U.S. Social Security number. This response is wholly inadequate and non-responsive. I have provided Equifax with all necessary identifying information, including my full name, XXXX XXXX, my date of birth, XX/XX/year>, and my Social Security Number, XXXX. This information was included in my original CFPB complaint, making Equifax 's response either a deliberate dodge tactic or indicative of deficient record-keeping. Equifax 's inability to locate my credit file violates their obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information. Their failure to even locate my file suggests a failure to conduct any investigation, let alone a reasonable one. Furthermore, their response fails to address the requirement under FCRA 1681e ( b ) to maintain maximum possible accuracy of the information in consumer reports. By claiming they can not locate my file despite having all my identifying details, Equifax undermines the integrity of the credit reporting system and their compliance with federal law. I request the CFPB to reopen my complaint and refer Equifax for enforcement action due to their noncompliance with the FCRA. I reserve all rights under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance. I demand that Equifax locate my credit file, conduct a proper investigation, and provide a substantive response. If they can not fulfill these obligations, they must delete any erroneous or unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I am filing a complaint against a debt collection agency identifying itself as Halsted Financial and related email domains ( including XXXX XXXX XXXX XXXX ). Since approximately XX/XX/year>, I have been receiving repeated and excessive email communications from multiple email addresses associated with this company. These emails are being sent daily and sometimes multiple times per day. The emails include language such as : * Pre-Legal Notice * Immediate Attention Required * Response Requested * Lets Resolve This Together These messages create the impression that legal action is imminent, which I believe is misleading and intended to pressure me into responding. The frequency and tone of these communications feel harassing and intimidating. The use of multiple domains to send similar messages also appears deceptive. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : * Harassment or abuse through repeated communications * Use of misleading or deceptive representations * False implication of legal action I am requesting : XXXX. That this company cease excessive and harassing communications XXXX. That they provide proper validation of the alleged debt XXXX. That they stop using misleading pre-legal language unless legal action has actually been initiated I have retained copies/screenshots of these communications and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am formally disputing the application of retroactive interest on my account following the promotional financing period ending XX/XX/year>. At the time of entering this agreement, it was not clearly communicated to me that failure to pay the full balance by the deadline would result in the application of the full accrued interest retroactively at a rate of 32.99 %. Additionally, I did not receive sufficient and clear advance notice emphasizing the financial consequences of missing the promotional deadline

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX and an alleged Apple credit account they claim to collect. I previously requested validation of this account and reviewed the materials provided. However, the documentation remains incomplete and does not adequately establish the validity of the debt. Specifically, XXXX has not provided a full chain of assignment demonstrating their legal authority to collect, nor have they provided a complete account-level statement history showing how the current balance was calculated. Additionally, the balance being reported appears to include amounts added after the account was charged off. No itemized breakdown or supporting documentation has been provided to explain these post charge-off charges, including the dates, descriptions or contractual basis for these amounts. Without this information, the accuracy of the balance can not be verified. Despite the lack of sufficient documentation, this account has been reported as 'verified ' with consumer reporting agencies. This is concerning, as the balance and ownership of the debt can not be independently confirmed based on the information provided. I am requesting that XXXX XXXX XXXX either provide full and proper validation of this account, including all supporting documentation, or cease collection activity and request deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am a Department of Defense civilian employee disputing the validity and amount of a debt totaling {$16000.00} currently being collected by MRS BPO LLC ( Account # [ XXXX ] ). The collection agency has sent a notice demanding a lump-sum settlement of {$9700.00} by a strict deadline of XX/XX/XXXX, XXXX this high pressure deadline is causing extreme financial distress and i do not have these funds. I have a co signer on this account and I am formally requesting full debt validation to ensure the accuracy of the balance and the legal right of MRS BPO LLC to collect it. Specifically, I require : XXXX ) A copy of the original signed contract for myself and co signer ; XXXX ) A complete itemized breakdown of the principal, interest, and all fees added ; and XXXX ) the date of the last payment made on the original account. I request that MRS BPO LLC cease all phone contact with me and my cosigner immediately and communicate only via mail while this dispute is investigated. I am a responsible borrower who intends to resolve valid obligations, but i can not be forced into a payment that exceeds my financial capacity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief