vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: MN

Complaint narrative:
I am filing a formal dispute regarding severe, uncorrected backend database errors and conflicting staff directives by Rocket Mortgage under active tracking Ticket # XXXX. According to Rocket Mortgage 's own phone representatives, my loan data was corrupted or " lost in transaction '' during a backend systems migration involving Rocket Mortgage Legacy accounts and Mr. Cooper. Because of this broken data transition, the online portal displays thousands of dollars in unrecognized transactions, making it impossible to track what I actually owe. I requested a billing pause and an account realignment to XX/XX/XXXX, while they fix this ledger, but the company has failed to provide a resolution. The Documented Facts : Initial Billing ( XX/XX/XXXX ) : My first billing statement following my loan transfer from XXXX XXXX in XX/XX/XXXX demanded an " Amount Due '' of {$6300.00}. My records show an out-of-pocket payment of {$8600.00} was processed on XX/XX/XXXX. Fabricated Ledger Records ( XXXX ) : My online portal history displays multiple large transactions that I never executed from my personal bank account, specifically : {$5000.00} on XX/XX/XXXX, {$5000.00} on XX/XX/XXXX, and {$5000.00} on XX/XX/XXXX. During phone escalations, I explicitly flagged that I have never made a {$5000.00} payment. Rocket Mortgage staff openly agreed that the portal was displaying unrecognized ledger balances due to money being misapplied across different systems. Conflicting Staff Directives : Because of these internal system entries, Rocket Mortgage representatives explicitly reviewed my account notes on XX/XX/XXXX and XX/XX/XXXX and stated my account was " paid through XXXX '' and that I only owed half-payments. I adjusted my household financial scheduling based entirely on these official verbal guarantees. Current Status : Relying on the timeline provided by Rocket Mortgage staff, subsequent transaction confusion resulted in an XXXX payment reversal. I cleared this vacancy by submitting a successful full monthly payment of {$3300.00} on XX/XX/XXXX, which successfully cleared my bank. While this covers XXXX, the portal currently flags my account as " past due '' for XXXX. Rocket Mortgage staff opened internal tracking ticket # XXXX on XX/XX/XXXX to manually move my misapplied funds and promised a resolution by XX/XX/XXXX. The company has completely failed to meet its own deadline, has failed to respond to my research emails, and is holding my account in past-due status based entirely on an unreadable, corrupted ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I entered into a hardship agreement with CMG Mortgage. The agreement required the final payment to be received by a specified date for 3 months. The first XXXX months of the hardship we mailed cashiers checks, as required by CMG, the end of the first XXXX months, sent XXXX day am delivery and had XXXX ISSUES. The third month we mailed XX/XX/year> for a XXXX 2 day delivery. I have UPS proof showing CMG received AND signed for the payment at XXXX a.m. on the due date. However someone decided to wait to input the check into their system on XXXX and they immediately put our mortgage into accelerated loss mitigation. It was a clerical error on their end and CMG is treating the payment as late, apparently based on the date it was entered into their system rather than the date it was received. Despite multiple calls to Loss Mitigation, for over XXXX business days straight I have been unable to obtain a supervisor review or explanation. We have now received a yellow door hanger on our home as of today while we are tirelessly trying to get someone at CMG to address this issue and reverse it. They have call logs from us calling incessantly. I am requesting a review of the receipt date versus posting date and correction of my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was banking with chase over XXXX yrs. Never had issues or fees. This past year has been a struggle financially due to the technology constraints and policies that just continually disregard the customer and allows these banks companies to steal, deceive, defraud, and manipulate people and businesses for profit and greed with no accountability or responsibility. I have had overdraft fees XXXX at a time that are inconsistent and creating hardships due to posting deposits, tech issues. These fees are XXXX that occur if overdraft is over XXXX $ abd not brought current in XXXX hours. This policy is not comsistent and arbitrary as to when it will charge customer. The policy also likits refund of bank fees to XXXX a year even if the issue is valid due to posting deposits, nog allowing transfers or deposits and not letting money deposited to be available at times. Ive always brought it vurrent as soon as possible and sometimes it would ve XXXX hours due to location im in or if the technical software is working. Ive now used my XXXX forvthe year a month ago and got hit XXXX $ from a deposit of {$550.00} not posting soon enough which then postrd and was now gojng to be overdrafted agsin with XXXX balance due from overdraft on my late posted XXXX $ that would have brought my account positice. I am just really wondering how they can just decide to charge fees at times and npt otheres and also only alliw XXXX refunds even if there is valid or fault in the system. XXXX yrs with XXXX XXXX XXXX no overdrafts no fees assessed and had multiple cards and XXXX XXXX Last 2 years - XXXX overdraft fees charged due to late posting or being mischarged unrxpectedly hy merchant 's or scams. Only XXXX in 2 years refunded- chase has charged me over {$500.00} last year and a half and has created stress, financial, hardships, loss of work did to not being snle yo access my money I closed chase scct snd will not ever bank with thrm but still want to be refunded sll my fees thst have been charged as i always gee money drposited if im in a location or have place to deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint because I am the victim of identity theft and fraudulent activity that resulted in unauthorized inquiries and/or accounts appearing on my consumer reports. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2, consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure maximum possible accuracy and to block information resulting from identity theft. I notified the reporting agencies and provided supporting documentation, including my identity theft report and proof of identity. Despite this, inaccurate information continues to be reported, causing harm to my creditworthiness, reputation, and ability to obtain credit. I request the immediate removal and blocking of all fraudulent information related to identity theft, a complete reinvestigation of the disputed items, and written confirmation that the inaccurate information has been permanently deleted from my consumer reports in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: U.S. BANCORP
State: GA

Complaint narrative:
Transaction was for accommodation services in XXXX XXXX from XXXX XX/XX/2026 for XXXX nights for {$520.00}. No hot water on arrival and the provider failed to respond to the emergency call and message I left. I continued to try to reach them and they answered the next day after we were without hot water for a full day and eventually fixed it. Accommodation was also very dirty with dog hairs on the bed and sofa. Evidence of all provided including a call log of the initial call not answered and photos. Provider would not take responsibility for not answering the first emergency call and did not address the cleanliness of the property. Gave 10 % refund and said case closed without discussion. Disputed the transaction and it was denied due to the provider claiming they did all they could. Facts were misrepresented and no supporting evidence provided by the accommodation provider. But Elan financial ignored the evidence I provided and denied the claim.

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
The company sent the notification to an old addrerss and never called or emailed me and address that I have not live in for 2 years

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
First it wasn't in my name although I made all the payments. XX/XX/XXXX a XXXX XXXX XXXXXXXX XXXX XXXX was dragged from my parking spot in the early hours. When got ready to leave Monday Morning my car was gone with all my stuff in it.there was a echoe chainsaw gas and oil a new floor jack ( XXXX XXXX XXXX ) XXXX fishing poles XXXX tackle boxes .a XXXX high speed rotary saw model XXXX with flex-shaft attachment model XXXX also plunge router attachment ... a dewalt XXXX Oz claw hammer XXXX XXXX reciprocal saw and XXXX ah battery with charger some of my clothing for work ( hats long sleeve t-shirts rain jacket ) all my paperwork for my tools are in a fire box in the car ( its a lock box ) I called XXXX XXXX XXXX 's office and tried to explain what was going on the only thing they heard was the car was in somebody else 's name and hung up I tried to contact ally financial but they just kept transferring me around until I hung up with no action... I just want my personal property returned

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing in response to the collection account appearing on my credit reports. I dispute the validity of this alleged debt. To date, I have not received any prior direct communication, phone contact, or proper validation notice from your company regarding this debt before it was reported to the credit bureaus. This appears to violate the notice and contact requirements under the Fair Debt Collection Practices Act ( FDCPA ) prior to furnishing information to consumer reporting agencies. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I formally dispute this debt and demand validation. Please provide the following at your expense, The amount of the debt and an itemized accounting showing the principal, interest, and any fees, The name and address of the original creditor, Proof that you have the legal right to collect this debt ( e.g., assignment or purchase agreement ), A copy of any judgment ( if applicable ), and Verification of the date of first delinquency and all other details necessary to confirm the accuracy of the reported information. XXXXuse this debt is disputed and was reported without the required prior contact/notification, you must Immediately cease all collection activity until you provide proper verification, Notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) of this dispute and request deletion of the tradeline from my credit reports, If you can not fully verify the debt or confirm compliance with reporting rules, delete the account entirely. Reporting inaccurate or improperly furnished information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I reserve all rights to seek damages, attorney fees, and other remedies if these violations are not corrected. Please respond in writing within 30 days. If you have already reported this to any credit bureau, provide proof of the dispute notification and deletion request. Thank you very much appreciated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account is being reported by XXXX XXXX XXXX with a balance of {$26000.00}. The credit report does not identify the original creditor, and I have not received sufficient documentation proving I owe this debt. I am requesting complete debt validation and removal of the account if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I purchased an order at XXXX and the amount of {$190.00} a few hours after that purchase I canceled the entire order due to an emergency. XXXX released the hold {$190.00}. I was expecting it to be credited to my Paypal account immediately however it was not and it still has not been credited to my account I contacted XXXX they emailed me a copy of the release of the hold of funds due to the order being canceled I contacted PayPal several times I spoke with them on the phone and I chatted with them, and got nowhere other than them telling me that I had to wait until XX/XX/XXXX when the authorization expired because they were waiting on XXXX to authorize the hold to be canceled I explained in them and emailed them the copy of the release of funds from XXXX she would not even acknowledge that form that I sent her there is no reason why they could not release my money I need my money I should not have to wait 2 weeks to get my my money back I am very very very upset I feel like this is theft and they are collecting interest off of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am writing in response to the collection account appearing on my credit reports. I dispute the validity of this alleged debt. To date, I have not received any prior direct communication, phone contact, or proper validation notice from your company regarding this debt before it was reported to the credit bureaus. This appears to violate the notice and contact requirements under the Fair Debt Collection Practices Act ( FDCPA ) prior to furnishing information to consumer reporting agencies. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I formally dispute this debt and demand validation. Please provide the following at your expense, The amount of the debt and an itemized accounting showing the principal, interest, and any fees, The name and address of the original creditor, Proof that you have the legal right to collect this debt ( e.g., assignment or purchase agreement ), A copy of any judgment ( if applicable ), and Verification of the date of first delinquency and all other details necessary to confirm the accuracy of the reported information. Because this debt is disputed and was reported without the required prior contact/notification, you must Immediately cease all collection activity until you provide proper verification, Notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) of this dispute and request deletion of the tradeline from my credit reports, If you can not fully verify the debt or confirm compliance with reporting rules, delete the account entirely. Reporting inaccurate or improperly furnished information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I reserve all rights to seek damages, attorney fees, and other remedies if these violations are not corrected. Please respond in writing within 30 days. If you have already reported this to any credit bureau, provide proof of the dispute notification and deletion request. Thank you very much appreciated!!!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I was told by USAA that I qualified for and would receive a checking account bonus of {$300.00} within 60 days of my direct deposit posting. It's been over 60 days with no bonus posted.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding the closure of my Cash App account after being targeted in a fraudulent check scam. I was contacted by an individual posing as a customer for photography services who offered to pay via check. They instructed me to deposit a check that was sent digitally by displaying it on another screen and scanning it through mobile deposit. I was unaware at the time that this was a known scam method. I did not knowingly participate in fraud, did not intend to violate any terms, and did not benefit from the transaction. I have attached screenshots showing the individual instructing me on how to deposit the check, which demonstrates I was a victim of fraud rather than a participant. Despite providing this context, my Cash App account was permanently closed, and my appeal was denied without reconsideration. I am requesting a formal review of this decision, as I believe my account was incorrectly flagged due to being the victim of a scam. I am willing to provide any additional documentation needed to verify my claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: OR

Complaint narrative:
Im writing to file a complaint against TRUEACCORD C for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am disputing inaccurate banking information being reported by XXXX XXXX XXXX and furnished to XXXX and Early Warning Services ( XXXX ). XXXX is reporting a XXXX XXXX XXXX account under my consumer file with the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX I have never lived at this address and have never opened, owned, or maintained a XXXX XXXX or XXXX XXXX account. I disputed this information with XXXX, Early Warning Services, and the reporting entities. Despite my disputes, the account continues to be reported as account abuse/unpaid and has caused repeated denials of banking services. As a result of this reporting, I have been denied bank accounts, including a recent denial where the bank relied upon information obtained from Early Warning Services. My XXXX deposit score has been negatively impacted by information I believe is inaccurate and does not belong to me. I requested verification and supporting documentation. However, I have not been provided with sufficient documentation proving that I opened or owned this account. I dispute the ownership of the account and the address associated with it. I am requesting a full investigation into the accuracy of the reporting, including verification of the identity used to open the account, the address provided at account opening, and all documents connecting the account to me. If ownership can not be verified, the account should be removed from XXXX, Early Warning Services, and any other consumer reporting databases to which it was furnished. This inaccurate reporting is preventing me from obtaining basic banking services and has caused significant financial hardship.

Company response to consumer: Closed with explanation