vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Line 5, LLC
State: GA

Complaint narrative:
Your Name : XXXX XXXX Your Address : [ Your Current Address ] City, State, Zip : [ City, State, Zip ] Date : [ Insert Date ] Subject : Mixed File / Inaccurate Credit File Demand for Immediate Correction To Whom It May Concern, I am writing to notify you of a serious error in my credit file. My consumer report appears to contain inaccurate information that does not belong to me, indicating a mixed or merged file. There are multiple personal identifiers and account histories that are inconsistent and suggest my file may be combined with another individuals credit information. Specifically, I am disputing the accuracy and ownership of the following accounts : * XXXX XXXX ( charged-off account ) settled account trade and downpayment * LINE 5 LLC threatened legal litigation ( charged-off account ) XXXX XXXX XXXX ( incorrect charge-off to collector ) I have reason to believe these accounts may not belong to me or are being reported inaccurately due to file mixing. Additionally, my report contains multiple addresses and identifying information that may not be fully associated with me, further supporting that my file may be compromised or mixed with another consumer. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain maximum possible accuracy. A mixed file is a serious violation of federal law. I am requesting the following actions : 1. Immediate investigation of my entire credit file for mixed or incorrect data 2. Removal of all accounts that can not be properly verified as belonging to me 3. Correction of any inaccurate personal identifying information 4. Written confirmation of the steps taken to correct my file Please provide me with a corrected copy of my credit report upon completion of your investigation. If these inaccuracies are not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested complete information regarding this store card account, including documentation validating the alleged debt and records showing that the account was legitimately opened and authorized by me. Because this account is the result of identity theft, I also requested all identity-verification materials used at the time of application and account opening, including the original application, signature or electronic consent records, IP/device data if opened online, billing records, transaction history, and any documents used to verify the applicants identity. To date, I have not been provided sufficient evidence linking me to this account or proving that I authorized it. Continuing to report a fraudulent store card account without adequate supporting documentation is inaccurate and harmful.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am being repeatedly harassed by XXXX sending different debt collectors despite a debt issue that was resolved in XXXX. Further details were that a different collection agency in XXXX and XXXX, had contacted me regarding XXXX. On contacting XXXX employees, I was told about the issue and resolved it ( returning the router and closing the account ). I resolved it in XXXX. I would like to in light of this misunderstanding or miscommunication, have I C SYSTEM remove the reporting on my credit report. And also to have XXXX prevent the miscommunication between its employees and the company as a whole.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing this complaint against Rocket Mortgage ( servicer : XXXX XXXX / Rocket Mortgage ) regarding improper servicing of my mortgage loan and actions that have created a risk of wrongful foreclosure. -- - Summary of Issue : Rocket Mortgage accepted and applied unauthorized third-party payments from a junior lienholder, XXXX XXXX XXXX XXXX without my consent or authorization. These payments were made during or immediately following a forbearance-related period and materially altered the status of my loan. I did not authorize XXXX XXXX to make payments on my behalf to Rocket Mortgage. Despite this, Rocket Mortgage accepted and applied these funds, which has resulted in confusion, misapplication of my account status, and potential harm to my rights under mortgage servicing and forbearance protections. Rocket Mortgage has now informed me that they are considering refunding these payments back to XXXX XXXX, but has failed to address the damage already caused to my loan status or provide clarity on how my account will be corrected. -- - Key Concerns : XXXX. Unauthorized Third-Party Payments Rocket Mortgage accepted payments from XXXX XXXX XXXX without my consent, authorization, or direction. XXXX. Interference with Loss Mitigation / Forbearance Rights These payments interfered with my ability to properly manage my loan during a forbearance-related period and may have impacted my eligibility for protections or repayment options. XXXX. Creation of a Manufactured Default Risk The acceptance and application of these payments created confusion regarding the true status of my loan and contributed to a situation where I am now at risk of foreclosure despite actively attempting to resolve my mortgage obligations. XXXX. Failure to Provide Clear Accounting Rocket Mortgage has not provided a clear, accurate, and complete accounting of : - Payments received from XXXX XXXX - How those payments were applied - The current true status of my loan XXXX. Threat of Foreclosure While Dispute Is Pending I was informed by Rocket Mortgage that after refunding these payments, they may proceed with foreclosure. This is extremely concerning given that the underlying issue stems from their acceptance of unauthorized third-party payments. -- -

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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is an addendum to complaint XXXX. I wasn't sure how best to add it to the previous complaint so my apologies if this is not the best way to have done so. Formal Rebuttal Unauthorized Transactions Dispute To Whom It May Concern, I am writing to formally dispute the determination regarding the majority of the transactions previously reported as unauthorized on my account. The transactions in question consist of approximately XXXX charges totaling nearly {$100000.00}, all occurring within a single day. This pattern is completely inconsistent with my 28.5-year history as a customer, during which no similar activity has ever occurred. I have since determined that my personal and account information was compromised through a phishing incident involving what I reasonably believed to be a legitimate postal service form. While I regret falling victim to this scam, it is critical to clarify that I did not knowingly initiate, authorize, or benefit from any of the disputed transactions. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, unauthorized transactions are defined as transfers initiated by a person other than the consumer without actual authority. The use of valid credentials alone does not establish authorization, particularly in cases involving fraud or compromised information. bank of america has already acknowledged that a portion of these transactions were fraudulent, as evidenced by a partial reimbursement issued. However, the remaining transactions appear to share the same origin, timing, and pattern. I respectfully request a clear explanation of the criteria used to distinguish between transactions deemed unauthorized and those denied. Specifically, I request : - Documentation of the authentication method associated with each denied transaction - An explanation of how authorization was determined for those transactions - Clarification of any factors used to differentiate between reimbursed and denied charges Given the uniform nature of the activity and its clear deviation from my historical account behavior, I respectfully request a full re-investigation of all disputed transactions. I appreciate your attention to this matter and expect a thorough and transparent review. Sincerely, XXXX XXXX

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, I discovered two unauthorized transactions totaling {$4400.00} made through my PayPal account to XXXX XXXX XXXX. I immediately contacted PayPal the same day after receiving a fraud alert from them and reported that I did not authorize either transaction. During that call, PayPal representatives had to manually add the second transaction to the claim and instructed me to stop payment on the ACH withdrawal from my bank account. Following this, I complied with their instructions and stopped payment through my bank. My IT service provider later confirmed that one of my business computers had been compromised by malware, allowing unauthorized remote access for several hours. This explains how the transactions may have appeared to originate from my device or IP address without my knowledge or authorization. My bank has also confirmed in writing that I did not authorize this transaction. Despite this evidence, PayPal reversed its initial fraud determination and classified the transactions as authorized without providing a clear explanation of how this conclusion was reached. PayPal failed to prevent or stop the transactions even after fraud was reported the same day, and they are now attempting to hold me liable for charges resulting from unauthorized access to my account. I am requesting that PayPal properly investigate this as an account takeover due to system compromise and reverse the charges.

Company response to consumer: Closed with monetary relief
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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a formal complaint against Citi for its repeated failure to resolve a legitimate credit card dispute and for a clear violation of the Credit CARD Act of 2009. The transaction in question is a charge of {$11000.00} from XXXX XXXX XXXXXXXX. Core Violation : Citi authorized a five-figure transaction that significantly exceeded my established credit limit without my consent. I have not opted into over-limit coverage. Under federal law ( Credit CARD Act of 2009 ), Citi was required to decline this transaction. My reliance on Citis own credit limit protocols to decline unauthorized over-limit charges led me to believe the transaction would not process, prompting me to use a separate financial institution to successfully purchase valid tickets for the same event. History of Communication & Non-Responsiveness : I have attempted to resolve this through Citi 's internal channels multiple times, providing exhaustive documentation with each contact. Citi has consistently failed to review the evidence and has recently ceased all communication. XX/XX/XXXX : I submitted all requested documentation and evidence of the processing error to Citi. XX/XX/XXXX : Citi issued a duplicate automated request for the exact information already provided. XX/XX/XXXX : I sent a comprehensive " Final Notice '' email to the Dispute Department. In this email, I again provided the alternative bank statement ( {$6700.00} ), explained the price difference ( different tickets purchased due to Citi 's error ), and explicitly offered to surrender all claims to the digital tickets associated with the Citi charge. XX/XX/XXXX ( Approx. ) : After nearly three weeks of silence, I sent a follow-up email expressing my outrage at their lack of response and reiterating my intent to involve the CFPB. Current Status : As of XX/XX/XXXX, I have received no confirmation of receipt or any human response to my XX/XX/XXXX or XXXX communications. Citi continues to hold me liable for an {$11000.00} charge resulting from their own regulatory failure, despite my repeated offers to transfer the digital assets ( tickets ) back to them. Desired Resolution : I am requesting that the CFPB compel Citi to : Permanently credit my account for the unauthorized {$11000.00} charge. Provide immediate instructions on how to transfer the original digital tickets back to the bank/merchant, as I have no intention of using them. Cease all automated, redundant requests for information that has been in their possession for over 50 days. Sincerely, XXXX XXXX

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 monetary relief
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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXXConditional Acceptance & Proof of ClaimXXXXComenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,XXXXThis correspondence serves as a Conditional Acceptance Upon Proof of Claim regarding the alleged balance of $XXXX on the above-referenced account.\n\nI conditionally accept your claim only upon your provision of strict proof of the following:\n\nA complete itemized accounting of the $XXXX balance, including:\nDates of each transaction\nMerchant names\nMethod of authorization (chip, swipe, online, etc.)\nDocumentary evidence demonstrating that I authorized each and every charge, including:\nSigned receipts, contracts, or electronic authorization records\nAny IP logs, device IDs, or transaction verification data\nA full explanation and justification for the increase from XXXX XXXX XXXX including:\nIdentification of all fees, interest, and penalties\nThe contractual basis authorizing such charges\nProof that any late fees assessed during the dispute period are lawful and compliant with the Fair Credit Billing Act (15 U.S.C. 1666)\nThe method of verification used in your investigation, as required under the Fair Credit Reporting Act 611(a)(7)\nProof that a valid, active card was issued to me and used by me, including:\nIssuance records\nDelivery confirmation\nActivation records\nNotice of Fault\n\nYour failure thus far to provide competent evidence, while continuing to report and attempt collection on an unverified balance, places you in Notice of Fault.\n\nAn unverified assertion is not evidence, and continuing such conduct may constitute:\n\nWillful noncompliance under the FCRA\nBilling errors under the FCBA\nPotential unfair or deceptive practices\nOpportunity to Cure\n\nYou are hereby granted 30 days from receipt of this notice to cure the defects by providing the above-requested documentation.\n\nFailure to cure will result in the following:\n\nYour claim will be deemed unsupported and invalid\nI will pursue escalation through:\nConsumer Financial Protection Bureau (CFPB)\nFederal Trade Commission (FTC)\nConsideration of civil action for statutory, actual, and punitive damages\nFinal Notice\n\nDuring this dispute:\n\nYou must cease collection of the disputed amount\nYou must not assess additional fees\nYou must not report unverifiable information\n\nAny continued reporting or collection activity without proper verification will be documented as evidence of willful violation.\n\nThis correspondence is sent in good faith and without waiver of rights, all of which are expressly reserved.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I filed a dispute on XX/XX/XXXX and despite XXXX sending them a resolution to the dispute on the XXXX to close the dispute in my favor, I have not received any updates regarding the dispute or my money back and it has now been over 26 days since I have heard anything from Sofi. Sofi support has been giving me the runaround and does not give any meaningful information beyond a copy and paste script. In accordance with Regulation E, I was to be provided with a provisional credit if the investigation were to take more than 10 days and I have not received anything.

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: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding a series of transactions in which I was the victim of a scam involving the purchase of puppies. I sent a total of {$1000.00} through Chime under the belief that I was working with a legitimate seller and paying for valid services, including registration and transfer of ownership. The timeline of events is as follows : * XX/XX/year> Initial contact with seller regarding puppies * XX/XX/year> Sent {$200.00} holding fee * XX/XX/year> Sent an additional {$300.00} for deworming and remaining holding fee ( total {$500.00} sent to $ XXXX XXXX XXXX XX/XX/year> Received an email claiming to be from the XXXX XXXX XXXX requesting {$200.00} per puppy for transfer of ownership. I sent {$400.00} ( for two puppies ) to $ XXXX XXXX Later that same day, I received another email requesting an additional {$500.00} * XX/XX/year> Sent {$100.00} to $ XXXX XXXX unable to send the remaining amount due to Chime limits ). The seller began pressuring me for additional payment. I then contacted the XXXX XXXX XXXX directly and confirmed that they do not communicate through XXXX accounts and that their registration fee is {$25.00}, not the amounts I was charged. This confirmed that I was being deceived through impersonation and misrepresentation. I reported the transactions as fraudulent that same day * XX/XX/year> Contacted Chime and formally reported the fraud. I was informed I would receive a temporary refund of {$1000.00} by XX/XX/year>, and that the investigation could take until XX/XX/year> * XX/XX/year> Chime denied my claim and closed the case. I was told my documentation was false, but no explanation was provided. I requested the case be reopened and submitted additional documentation * XX/XX/year> Chime denied my claim again and closed the case This situation involved clear impersonation of a legitimate organization and fraudulent misrepresentation. I did not knowingly authorize a legitimate transaction ; I was deceived into sending money under false pretenses. I respectfully request a thorough review of my case, a clear explanation of why my documentation was considered false, and reconsideration of reimbursement for the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Unauthorized charge, billing error, and wrongful collection reporting. In late XXXX, I began receiving emails from XXXX stating that a router had not been returned and that I was being charged {$210.00}. I contacted XXXX customer service in XX/XX/XXXX to dispute this charge. I was informed that a ticket had been created and escalated for investigation. However, I never received a case number, updates, or any resolution. Despite the dispute remaining unresolved, XXXX transferred the account to collections on XX/XX/XXXX without notifying me or completing the promised investigation. I contacted XXXX again on XX/XX/XXXX. At that time, I believed the router referred to equipment I had used while living in New York in XXXX. I suspected there may have been a processing error at the store when I returned the equipment, where the staff may not have properly recorded the return, resulting in it being shown as not returned. However, after further review of my email records on XX/XX/XXXX, I discovered that the router was actually ordered in XX/XX/XXXX without my authorization. I received emails from XXXX on XX/XX/XXXX and XX/XX/XXXX, indicating that the router had been ordered. However, at that time, my account had already been closed, and I was no longer using XXXX services. I immediately reported this to XXXX and provided supporting email evidence. XXXX confirmed that my account was closed on XX/XX/XXXX and stated that no router was shipped. However, even so, they continued to request proof of return for equipment that I never ordered or received. I am unable to provide any proof of return for an item I did not request, did not receive, and never possessed, yet I was still required to do so. Despite confirming account closure and no shipment, XXXX failed to investigate the unauthorized order and repeatedly transferred me between different agents without resolving the issue.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XXXX dollars were taken out of my account without my permission from an organization called XXXX on XX/XX/year>. I called and they said, this is Sofi banking and as of today they haven't reimbursed my money.

Company response to consumer: Closed with explanation